Axia Financial Mortgage Rates, Fees & Info

BELLEVUE, WA

LEI: 5493006TY8FGNLX44X28

Tax ID: 26-0455770

1.9 stars - Updated: 2/26/24 - out of 5 stars, based on 61 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Axia Financial is a small mortgage company specializing in Home Purchase and Refi loans. Axia Financial has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Seattle, Minneapolis, Las Vegas, Phoenix, and Riverside among others. We have data for 196 markets. (Some data included below & more in-depth data is available with an active subscription.)

Axia Financial has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Axia Financial is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.81% 2/26/24
30 Year Conventional Refi 6.77% 2/26/24
30 Year FHA Purchase 7.53% 2/26/24
30 Year FHA Refi 7.28% 2/26/24
30 Year VA Purchase 6.43% 2/26/24
30 Year VA Refi 6.42% 2/26/24
30 Year USDA Purchase 6.77% 2/26/24
15 Year Conventional Purchase 7.51% 2/26/24
15 Year Conventional Refi 6.31% 2/26/24
15 Year Cash-out Refi 6.31% 2/26/24
15 Year FHA Purchase 7.03% 2/26/24
15 Year VA Refi 7.31% 2/26/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Axia Financial Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Axia Financial. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

3,666

Origination Dollar Volume (All Markets)

$1,359,530,000
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Relative Rate

Axia Financial's average 30 year fixed mortgage rate was 4.99%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.23%.

Relative Fees (Closing Costs)

Axia Financial's average total fees/closing costs for a 30 year fixed rate mortgage were $8,936.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 394 $224,440,000 $569,645 $11,408 4.94%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 372 $110,870,000 $298,038 $7,356 4.95%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 294 $105,970,000 $360,442 $8,090 5.12%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 200 $75,960,000 $379,800 $8,204 4.93%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 145 $63,965,000 $441,138 $9,630 4.71%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 94 $49,810,000 $529,894 $12,481 4.81%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 86 $45,050,000 $523,837 $10,220 4.52%
Outside of Metro Areas 163 $38,605,000 $236,840 $7,397 5.28%
RENO, NV (FHA|USDA|VA) 98 $37,450,000 $382,143 $8,171 5.01%
BOISE CITY, ID (FHA|USDA|VA) 97 $33,925,000 $349,742 $8,263 4.91%
TWIN FALLS, ID (FHA|USDA|VA) 153 $33,545,000 $219,248 $8,479 5.29%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 68 $32,750,000 $481,618 $10,174 4.95%
PROVO-OREM, UT (FHA|USDA|VA) 84 $32,650,000 $388,690 $9,112 4.74%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 68 $29,050,000 $427,206 $8,446 5.06%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 54 $26,470,000 $490,185 $7,817 4.41%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 58 $24,200,000 $417,241 $11,757 4.95%
Pahrump, NV (FHA|USDA|VA) 102 $22,280,000 $218,431 $8,014 5.25%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 69 $22,085,000 $320,072 $4,577 5.15%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 51 $20,545,000 $402,843 $8,427 5.04%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 34 $19,840,000 $583,529 $12,769 4.83%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 83 $19,235,000 $231,747 $7,677 4.90%
Susanville, CA (FHA|USDA|VA) 99 $19,195,000 $193,889 $7,998 5.20%
Key West, FL (FHA|USDA|VA) 24 $16,700,000 $695,833 $10,772 4.30%
BEND, OR (FHA|USDA|VA) 24 $11,450,000 $477,083 $9,480 5.05%
Burley, ID (FHA|USDA|VA) 61 $9,705,000 $159,098 $7,764 5.80%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 21 $9,665,000 $460,238 $9,107 5.04%
Klamath Falls, OR (FHA|USDA|VA) 35 $8,575,000 $245,000 $9,102 4.37%
Clearlake, CA (FHA|USDA|VA) 28 $8,280,000 $295,714 $7,447 5.21%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 21 $7,375,000 $351,190 $14,920 4.56%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 17 $7,285,000 $428,529 $11,591 4.80%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 14 $6,920,000 $494,286 $7,632 4.53%
REDDING, CA (FHA|USDA|VA) 26 $6,750,000 $259,615 $6,426 4.84%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 14 $6,630,000 $473,571 $7,767 5.19%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 14 $5,520,000 $394,286 $12,218 4.92%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 12 $5,470,000 $455,833 $10,733 4.67%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 13 $4,985,000 $383,462 $9,862 5.04%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 11 $4,575,000 $415,909 $7,891 4.52%
SALT LAKE CITY, UT (FHA|USDA|VA) 11 $4,375,000 $397,727 $6,292 5.08%
JACKSONVILLE, FL (FHA|USDA|VA) 18 $4,340,000 $241,111 $9,474 4.63%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 12 $4,020,000 $335,000 $8,397 5.15%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 11 $3,935,000 $357,727 $8,130 4.01%
Shelton, WA (FHA|USDA|VA) 10 $3,910,000 $391,000 $10,308 6.31%
RACINE, WI (FHA|USDA|VA) 13 $3,885,000 $298,846 $4,720 5.16%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 11 $3,575,000 $325,000 $6,509 4.86%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 11 $3,535,000 $321,364 $8,433 4.83%
Hermiston-Pendleton, OR (FHA|USDA|VA) 9 $3,215,000 $357,222 $12,466 4.56%
Oak Harbor, WA (FHA|USDA|VA) 5 $2,995,000 $599,000 $9,185 5.20%
BAKERSFIELD, CA (FHA|USDA|VA) 11 $2,965,000 $269,545 $10,059 5.61%
Fernley, NV (FHA|USDA|VA) 9 $2,865,000 $318,333 $8,615 5.08%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 7 $2,665,000 $380,714 $5,227 4.63%
Centralia, WA (FHA|USDA|VA) 7 $2,495,000 $356,429 $11,291 5.23%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 6 $2,340,000 $390,000 $9,329 4.92%
SALEM, OR (FHA|USDA|VA) 7 $2,265,000 $323,571 $7,840 5.20%
COLORADO SPRINGS, CO (FHA|USDA|VA) 5 $2,185,000 $437,000 $6,729 5.20%
ST. GEORGE, UT (FHA|USDA|VA) 3 $2,065,000 $688,333 $14,887 6.13%
CARSON CITY, NV (FHA|USDA|VA) 5 $1,915,000 $383,000 $6,380 5.63%
CHICO, CA (FHA|USDA|VA) 6 $1,890,000 $315,000 $8,425 4.75%
YAKIMA, WA (FHA|USDA|VA) 5 $1,795,000 $359,000 $11,161 5.35%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 7 $1,715,000 $245,000 $5,921 6.50%
URBAN HONOLULU, HI (FHA|USDA|VA) 2 $1,710,000 $855,000 $11,192 6.00%
ANCHORAGE, AK (FHA|USDA|VA) 4 $1,650,000 $412,500 $4,945 5.00%
Port Angeles, WA (FHA|USDA|VA) 3 $1,645,000 $548,333 $11,756 5.71%
GREELEY, CO (FHA|USDA|VA) 4 $1,570,000 $392,500 $5,337 5.25%
WENATCHEE, WA (FHA|USDA|VA) 2 $1,560,000 $780,000 $12,185 4.38%
Faribault-Northfield, MN (FHA|USDA|VA) 6 $1,540,000 $256,667 $6,638 4.75%
MODESTO, CA (FHA|USDA|VA) 3 $1,505,000 $501,667 $9,625 4.91%
Red Bluff, CA (FHA|USDA|VA) 6 $1,440,000 $240,000 $9,224 4.54%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 3 $1,435,000 $478,333 $8,787 5.67%
Hilo, HI (FHA|USDA|VA) 3 $1,375,000 $458,333 $9,957 5.38%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $1,365,000 $1,365,000 $17,368 5.00%
MADISON, WI (FHA|USDA|VA) 6 $1,350,000 $225,000 $4,272 5.50%
STOCKTON, CA (FHA|USDA|VA) 3 $1,325,000 $441,667 $6,425 3.83%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $1,245,000 $415,000 $6,925 4.25%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 4 $1,230,000 $307,500 $8,197 5.56%
VALLEJO, CA (FHA|USDA|VA) 3 $1,225,000 $408,333 $4,095 4.04%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $1,220,000 $610,000 $11,485 3.69%
Ukiah, CA (FHA|USDA|VA) 4 $1,190,000 $297,500 $6,769 5.13%
MANKATO, MN (FHA|USDA|VA) 6 $1,140,000 $190,000 $5,646 5.23%
Red Wing, MN (FHA|USDA|VA) 5 $1,125,000 $225,000 $8,096 5.25%
Ontario, OR-ID (FHA|USDA|VA) 5 $1,125,000 $225,000 $7,735 4.58%
MEDFORD, OR (FHA|USDA|VA) 3 $1,115,000 $371,667 $9,288 4.58%
APPLETON, WI (FHA|USDA|VA) 3 $1,075,000 $358,333 $5,087 3.96%
TUCSON, AZ (FHA|USDA|VA) 5 $1,075,000 $215,000 $7,729 4.60%
FOND DU LAC, WI (FHA|USDA|VA) 5 $1,045,000 $209,000 $5,984 5.40%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 2 $1,040,000 $520,000 $9,014 5.31%
Show Low, AZ (FHA|USDA|VA) 3 $1,035,000 $345,000 $6,207 4.92%
RAPID CITY, SD (FHA|USDA|VA) 2 $1,010,000 $505,000 $9,193 5.13%
BOULDER, CO (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $5,625 6.75%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 3 $935,000 $311,667 $7,827 5.79%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 4 $930,000 $232,500 $7,338 5.15%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $925,000 $308,333 $10,785 4.71%
Brainerd, MN (FHA|USDA|VA) 4 $920,000 $230,000 $5,253 4.65%
Beaver Dam, WI (FHA|USDA|VA) 3 $905,000 $301,667 $4,631 5.00%
ASHEVILLE, NC (FHA|USDA|VA) 1 $905,000 $905,000 $12,666 5.88%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 2 $900,000 $450,000 $9,263 5.19%
Aberdeen, WA (FHA|USDA|VA) 3 $895,000 $298,333 $5,683 5.29%
DULUTH, MN-WI (FHA|USDA|VA) 3 $875,000 $291,667 $7,680 5.38%
FORT COLLINS, CO (FHA|USDA|VA) 3 $865,000 $288,333 $5,773 4.58%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $860,000 $430,000 $4,774 4.06%
GREEN BAY, WI (FHA|USDA|VA) 3 $845,000 $281,667 $6,084 4.83%
Outside of Metro Areas 2 $840,000 $420,000 $16,580 4.69%
IDAHO FALLS, ID (FHA|USDA|VA) 2 $800,000 $400,000 $20,649 6.56%
GREAT FALLS, MT (FHA|USDA|VA) 3 $785,000 $261,667 $11,040 4.75%
PITTSBURGH, PA (FHA|USDA|VA) 3 $765,000 $255,000 $8,873 4.67%
MADERA, CA (FHA|USDA|VA) 2 $750,000 $375,000 $7,520 4.56%
LONGVIEW, WA (FHA|USDA|VA) 3 $745,000 $248,333 $5,836 5.46%
Eureka-Arcata, CA (FHA|USDA|VA) 2 $740,000 $370,000 $7,135 4.94%
CHEYENNE, WY (FHA|USDA|VA) 2 $730,000 $365,000 $11,512 5.19%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $720,000 $360,000 $10,489 4.25%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $700,000 $350,000 $7,060 4.13%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 5 $695,000 $139,000 $0 4.83%
FRESNO, CA (FHA|USDA|VA) 2 $690,000 $345,000 $16,438 4.50%
Payson, AZ (FHA|USDA|VA) 2 $680,000 $340,000 $6,236 5.75%
Astoria, OR (FHA|USDA|VA) 1 $665,000 $665,000 $22,103 5.50%
Kalispell, MT (FHA|USDA|VA) 1 $655,000 $655,000 $11,875 5.88%
Ellensburg, WA (FHA|USDA|VA) 1 $645,000 $645,000 $4,293 5.50%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $645,000 $645,000 $7,510 3.38%
BELLINGHAM, WA (FHA|USDA|VA) 2 $640,000 $320,000 $6,199 4.31%
COLUMBIA, SC (FHA|USDA|VA) 2 $630,000 $315,000 $7,564 4.44%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $580,000 $290,000 $4,637 3.31%
VISALIA, CA (FHA|USDA|VA) 2 $580,000 $290,000 $3,130 3.88%
ROCHESTER, MN (FHA|USDA|VA) 3 $565,000 $188,333 $4,852 5.75%
Winnemucca, NV (FHA|USDA|VA) 3 $565,000 $188,333 $5,550 4.42%
Gillette, WY (FHA|USDA|VA) 3 $565,000 $188,333 $6,096 5.33%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $555,000 $555,000 $12,663 4.38%
LOGAN, UT-ID (FHA|USDA|VA) 2 $550,000 $275,000 $6,711 5.13%
WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $550,000 $275,000 $4,000 5.06%
NAPA, CA (FHA|USDA|VA) 1 $545,000 $545,000 $18,111 5.99%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 3 $545,000 $181,667 $4,156 4.17%
PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $520,000 $260,000 $14,691 4.06%
AKRON, OH (FHA|USDA|VA) 2 $510,000 $255,000 $4,177 4.50%
Athens, TX (FHA|USDA|VA) 1 $505,000 $505,000 $11,545 3.25%
Roseburg, OR (FHA|USDA|VA) 2 $500,000 $250,000 $8,528 4.38%
Grand Rapids, MN (FHA|USDA|VA) 2 $500,000 $250,000 $7,375 5.94%
YUBA CITY, CA (FHA|USDA|VA) 1 $485,000 $485,000 $6,380 5.50%
Bozeman, MT (FHA|USDA|VA) 1 $475,000 $475,000 $18,886 5.50%
Owatonna, MN (FHA|USDA|VA) 2 $470,000 $235,000 $8,568 5.56%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $465,000 $465,000 $20,421 6.88%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $455,000 $455,000 $4,643 4.63%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $450,000 $225,000 $2,615 6.50%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $445,000 $445,000 $4,301 6.50%
CORVALLIS, OR (FHA|USDA|VA) 1 $445,000 $445,000 $9,253 3.99%
PANAMA CITY, FL (FHA|USDA|VA) 1 $435,000 $435,000 $14,850 4.00%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $425,000 $425,000 $3,019 3.13%
MERCED, CA (FHA|USDA|VA) 1 $425,000 $425,000 $12,127 5.63%
ST. CLOUD, MN (FHA|USDA|VA) 2 $390,000 $195,000 $4,109 5.94%
Prineville, OR (FHA|USDA|VA) 1 $385,000 $385,000 $10,841 3.63%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $375,000 $375,000 $4,235 4.88%
Moses Lake, WA (FHA|USDA|VA) 1 $375,000 $375,000 $16,860 5.13%
KNOXVILLE, TN (FHA|USDA|VA) 1 $365,000 $365,000 $3,373 6.99%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $365,000 $365,000 $6,905 5.50%
Helena, MT (FHA|USDA|VA) 1 $355,000 $355,000 $3,532 4.88%
Riverton, WY (FHA|USDA|VA) 1 $345,000 $345,000 $12,273 5.63%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $345,000 $345,000 $9,437 6.50%
Durango, CO (FHA|USDA|VA) 1 $345,000 $345,000 $3,034 3.75%
Laramie, WY (FHA|USDA|VA) 1 $345,000 $345,000 $3,412 5.88%
SAVANNAH, GA (FHA|USDA|VA) 1 $335,000 $335,000 $10,397 4.88%
TYLER, TX (FHA|USDA|VA) 1 $335,000 $335,000 $8,287 4.13%
Mountain Home, ID (FHA|USDA|VA) 1 $335,000 $335,000 $13,409 4.25%
Heber, UT (FHA|USDA|VA) 1 $315,000 $315,000 $10,404 3.50%
Stevens Point, WI (FHA|USDA|VA) 2 $310,000 $155,000 $2,972 4.13%
Menomonie, WI (FHA|USDA|VA) 1 $305,000 $305,000 $9,912 4.25%
Newport, OR (FHA|USDA|VA) 1 $305,000 $305,000 $8,595 3.00%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $295,000 $295,000 $11,988 6.00%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $295,000 $295,000 $9,756 4.88%
Whitewater, WI (FHA|USDA|VA) 1 $285,000 $285,000 $14,982 4.63%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $270,000 $135,000 $5,522 4.25%
Albert Lea, MN (FHA|USDA|VA) 1 $265,000 $265,000 $5,386 6.00%
Granbury, TX (FHA|USDA|VA) 1 $265,000 $265,000 $4,358 4.50%
Cedar City, UT (FHA|USDA|VA) 1 $225,000 $225,000 $0 4.88%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $225,000 $225,000 $9,691 5.50%
Hailey, ID (FHA|USDA|VA) 2 $210,000 $105,000 $10,104 4.19%
LEWISTON, ID-WA (FHA|USDA|VA) 2 $210,000 $105,000 $5,781 6.88%
FORT WAYNE, IN (FHA|USDA|VA) 1 $205,000 $205,000 $9,554 4.63%
POCATELLO, ID (FHA|USDA|VA) 1 $195,000 $195,000 $964 2.88%
PEORIA, IL (FHA|USDA|VA) 1 $185,000 $185,000 $3,265 5.88%
Austin, MN (FHA|USDA|VA) 1 $185,000 $185,000 $3,507 5.13%
EL PASO, TX (FHA|USDA|VA) 1 $175,000 $175,000 $9,051 5.63%
Fallon, NV (FHA|USDA|VA) 1 $175,000 $175,000 $5,283 5.25%
CASPER, WY (FHA|USDA|VA) 1 $165,000 $165,000 $3,799 5.75%
Paducah, KY-IL (FHA|USDA|VA) 1 $165,000 $165,000 $6,301 5.75%
LUBBOCK, TX (FHA|USDA|VA) 1 $165,000 $165,000 $4,319 3.38%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $155,000 $155,000 $2,715 5.50%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $155,000 $155,000 $2,960 3.99%
GAINESVILLE, FL (FHA|USDA|VA) 1 $145,000 $145,000 $5,375 4.99%
New Ulm, MN (FHA|USDA|VA) 1 $145,000 $145,000 $4,635 5.25%
Hutchinson, MN (FHA|USDA|VA) 1 $145,000 $145,000 $3,130 3.88%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $135,000 $135,000 $6,239 5.25%
BISMARCK, ND (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.38%
AMARILLO, TX (FHA|USDA|VA) 1 $125,000 $125,000 $6,558 6.00%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $115,000 $115,000 $4,726 6.13%
MONTGOMERY, AL (FHA|USDA|VA) 1 $105,000 $105,000 $4,648 7.99%
Freeport, IL (FHA|USDA|VA) 1 $105,000 $105,000 $5,859 6.13%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $95,000 $95,000 $0 9.38%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $65,000 $65,000 $4,856 6.38%
Americus, GA (FHA|USDA|VA) 1 $45,000 $45,000 $4,294 5.75%
Axia Financial's top markets include Seattle, Minneapolis, Las Vegas, Phoenix, and Riverside among others.

Their top states include:
  • Washington (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,855 $1,076,215,000 $376,958 $7,716 4.99%
    FHA 461 $144,915,000 $314,349 $12,847 5.13%
    VA 293 $125,855,000 $429,539 $12,257 4.75%
    USDA 57 $12,545,000 $220,088 $8,111 4.81%

    For 2022, Axia Financial's most frequently originated type of loan was Conventional, with 2,855 originations. Their 2nd most popular type was FHA, with 461 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,822 $1,076,130,000 $381,336 $9,303 5.14%
    Refi 844 $283,400,000 $335,782 $7,122 4.46%

    For 2022, Axia Financial's most frequently cited loan purpose was Home Purchase, with 2,822 originations. The 2nd most popular reason was Refi, with 844 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,455 $1,329,275,000 $384,740 $8,936 4.99%
    15 Year 120 $19,780,000 $164,833 $5,002 5.08%
    10 Year 54 $920,000 $17,037 $1,260 5.23%
    20 Year 29 $6,805,000 $234,655 $5,822 4.52%
    Other 7 $2,615,000 $373,571 $7,289 3.75%
    30+ year 1 $135,000 $135,000 $0 6.99%

    For 2022, Axia Financial's most frequently cited loan duration was 30 Year, with 3,455 originations. The 2nd most popular length was 15 Year, with 120 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 1,261 $597,545,000 $473,866
    $1k-2k 654 $242,240,000 $370,398
    $2k-3k 480 $139,930,000 $291,521
    $3k-4k 479 $145,305,000 $303,351
    $4k-5k 403 $136,735,000 $339,293
    $<1k 305 $75,855,000 $248,705

    Axia Financial's average total fees were $8,936, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,261 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 1,150 $429,820,000 $373,757
    4-5% 946 $365,350,000 $386,205
    3-4% 869 $334,965,000 $385,460
    6-7% 498 $161,120,000 $323,534
    7-8% 93 $28,785,000 $309,516
    2.5-3% 80 $30,660,000 $383,250
    Over 8% 19 $6,675,000 $351,316
    <2.5% 11 $2,155,000 $195,909

    During 2022, Axia Financial's average interest rate for loans was 4.99%, while their most frequently originated rate bucket for loans was 5-6%, with 1,150 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,640 $488,350,000 $297,774 $7,804 4.98%
    $400k-600k 915 $441,555,000 $482,574 $10,337 4.91%
    $100k-200k 528 $83,070,000 $157,330 $5,488 5.04%
    $600k-1MM 342 $240,140,000 $702,164 $13,935 4.92%
    $100,000 or less 167 $5,805,000 $34,760 $3,107 5.61%
    $1MM+ 74 $100,610,000 $1,359,595 $14,481 4.67%

    2022 saw Axia Financial place emphasis on $200k-400k loans with 1,640 originations, totaling $488,350,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 927 $371,195,000 $400,426 $9,528 5.05%
    $50k-75k 755 $184,695,000 $244,629 $7,412 5.01%
    $75k-100k 738 $236,700,000 $320,732 $8,651 4.97%
    $150k-250k 570 $284,980,000 $499,965 $10,332 4.97%
    $50k or less 329 $55,605,000 $169,012 $5,848 4.79%
    $250k+ 309 $213,845,000 $692,055 $10,888 5.11%

    Axia Financial lent most frequently to those with incomes in the $100k-150k range, with 927 originations. The second most popular income band? $50k-75k, with 755 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 946 $358,160,000 $378,605 $8,627 4.94%
    30-36% 698 $279,380,000 $400,258 $8,849 4.95%
    <20% 552 $197,780,000 $358,297 $7,837 5.04%
    39% 122 $46,420,000 $380,492 $9,156 5.15%
    36% 119 $42,395,000 $356,261 $8,514 4.99%
    37% 114 $39,970,000 $350,614 $9,124 4.95%
    40% 114 $39,780,000 $348,947 $8,666 4.89%
    38% 111 $41,465,000 $373,559 $9,262 5.08%
    44% 105 $35,975,000 $342,619 $9,129 4.84%
    42% 102 $43,470,000 $426,176 $9,435 5.19%
    41% 101 $39,565,000 $391,733 $8,498 4.84%
    50-60% 100 $31,730,000 $317,300 $12,561 5.32%
    45% 84 $28,410,000 $338,214 $8,490 5.07%
    43% 84 $25,100,000 $298,810 $8,170 4.84%
    46% 75 $25,025,000 $333,667 $10,029 5.01%
    47% 65 $21,365,000 $328,692 $8,590 4.93%
    49% 60 $21,130,000 $352,167 $8,482 4.85%
    48% 57 $20,815,000 $365,175 $9,965 5.31%
    >60% 1 $155,000 $155,000 $9,019 6.63%

    Axia Financial lent most frequently to those with DTI ratios of 20-30%, with 946 originations. The next most common DTI ratio? 30-36%, with 698 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,635 $947,715,000 $359,664 $8,592 4.99%
    Not provided 625 $245,415,000 $392,664 $9,162 4.96%
    Asian 197 $90,575,000 $459,772 $9,483 4.86%
    Black 142 $50,120,000 $352,958 $9,519 5.13%
    American Indian 40 $14,910,000 $372,750 $9,025 5.11%
    Native Hawaiian or Islander 16 $6,540,000 $408,750 $10,032 5.30%
    Not applicable 11 $4,255,000 $386,818 $9,253 5.77%

    Approval Rates

    Total approvals of all applications
    96.78%

    Axia Financial has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    79.51%

    Axia Financial has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,666 $1,359,530,000 $370,848

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    3,666 $1,359,530,000 $370,848

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 180 $41,130,000 $228,500 $5,435 4.66%
    40-60% 398 $131,360,000 $330,050 $6,572 4.60%
    60-80% 1,055 $425,675,000 $403,483 $8,569 4.93%
    80-100% 1,818 $718,560,000 $395,248 $9,377 5.08%
    Over 100% 79 $37,695,000 $477,152 $20,210 4.78%
    Under 20% 136 $5,110,000 $37,574 $2,782 5.85%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    Aspen Yo LLC Conventional home mortgage Trouble during payment process 2 100.0%