Axia Financial Mortgage Rates, Fees & Info

BELLEVUE, WA

LEI: 5493006TY8FGNLX44X28

Tax ID: 26-0455770

3.6 stars - out of 5 stars, based on 87 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


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 include Seattle, Minneapolis, Las Vegas, Phoenix, and Portland among others. Axia Financial has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Axia Financial is typically a high fee lendor.


Originations

7,520

Origination Dollar Volume (All Markets)

$2,526,120,000
Show all (8) awards

Relative Rate

Axia Financial 's average 30 year fixed rate mortgage of loans were 3.17%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 0.02%.

Relative Fees

Axia Financial 's average total fees for a 30 year fixed rate mortgage are $6,104.

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

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 910 $444,750,000 $488,736 $6,945 3.11%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1,183 $326,165,000 $275,710 $4,979 3.09%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 817 $255,325,000 $312,515 $5,449 3.11%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 406 $133,410,000 $328,596 $5,022 3.18%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 296 $113,750,000 $384,291 $6,911 3.15%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 173 $69,305,000 $400,607 $6,760 3.11%
RENO, NV (FHA|USDA|VA) 208 $68,950,000 $331,490 $3,834 3.08%
PROVO-OREM, UT (FHA|USDA|VA) 193 $63,705,000 $330,078 $5,284 3.09%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 154 $62,510,000 $405,909 $7,525 3.14%
BOISE CITY, ID (FHA|USDA|VA) 191 $61,965,000 $324,424 $6,050 3.16%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 175 $59,395,000 $339,400 $5,912 3.19%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 112 $57,590,000 $514,196 $6,503 3.05%
TWIN FALLS, ID (FHA|USDA|VA) 252 $51,220,000 $203,254 $6,949 3.30%
Outside of Metro Areas 214 $49,160,000 $229,720 $5,442 3.09%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 118 $46,010,000 $389,915 $5,971 3.13%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 81 $39,715,000 $490,309 $8,457 3.03%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 75 $39,345,000 $524,600 $6,510 3.12%
Susanville, CA (FHA|USDA|VA) 176 $35,530,000 $201,875 $6,759 3.33%
Key West, FL (FHA|USDA|VA) 68 $33,400,000 $491,176 $5,953 3.08%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 153 $30,965,000 $202,386 $5,277 3.05%
Pahrump, NV (FHA|USDA|VA) 152 $30,860,000 $203,026 $5,696 3.27%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 54 $29,040,000 $537,778 $7,847 3.13%
BEND, OR (FHA|USDA|VA) 65 $23,025,000 $354,231 $5,811 3.15%
Klamath Falls, OR (FHA|USDA|VA) 98 $20,500,000 $209,184 $6,660 3.10%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 46 $18,170,000 $395,000 $7,756 3.36%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 40 $17,900,000 $447,500 $4,702 3.04%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 51 $16,815,000 $329,706 $3,395 3.31%
Clearlake, CA (FHA|USDA|VA) 50 $15,230,000 $304,600 $4,849 3.26%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 30 $13,820,000 $460,667 $6,130 3.01%
REDDING, CA (FHA|USDA|VA) 53 $13,755,000 $259,528 $5,160 3.22%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 21 $13,115,000 $624,524 $7,087 3.05%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 38 $11,330,000 $298,158 $5,395 3.10%
SALT LAKE CITY, UT (FHA|USDA|VA) 29 $10,415,000 $359,138 $5,280 3.19%
Shelton, WA (FHA|USDA|VA) 34 $9,910,000 $291,471 $6,234 3.10%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 31 $8,715,000 $281,129 $5,032 3.23%
Centralia, WA (FHA|USDA|VA) 23 $7,805,000 $339,348 $9,074 3.22%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 15 $7,595,000 $506,333 $7,626 2.87%
JACKSONVILLE, FL (FHA|USDA|VA) 29 $7,585,000 $261,552 $4,755 3.14%
Burley, ID (FHA|USDA|VA) 46 $7,000,000 $152,174 $6,217 3.52%
Fernley, NV (FHA|USDA|VA) 21 $6,275,000 $298,810 $5,020 3.08%
CORVALLIS, OR (FHA|USDA|VA) 17 $6,135,000 $360,882 $7,197 3.25%
Hermiston-Pendleton, OR (FHA|USDA|VA) 22 $5,830,000 $265,000 $6,865 3.15%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 22 $5,560,000 $252,727 $4,481 3.49%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 12 $5,530,000 $460,833 $6,997 3.02%
Heber, UT (FHA|USDA|VA) 8 $5,500,000 $687,500 $8,098 3.12%
SALEM, OR (FHA|USDA|VA) 17 $5,495,000 $323,235 $6,886 3.08%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 16 $5,020,000 $313,750 $6,570 3.04%
Faribault-Northfield, MN (FHA|USDA|VA) 20 $4,960,000 $248,000 $4,166 3.12%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 19 $4,665,000 $245,526 $5,141 3.25%
ST. GEORGE, UT (FHA|USDA|VA) 12 $4,580,000 $381,667 $6,448 2.98%
Aberdeen, WA (FHA|USDA|VA) 16 $4,480,000 $280,000 $4,698 3.24%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 12 $4,440,000 $370,000 $6,573 3.39%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 11 $4,345,000 $395,000 $8,361 3.09%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 13 $4,145,000 $318,846 $4,759 3.37%
URBAN HONOLULU, HI (FHA|USDA|VA) 6 $3,980,000 $663,333 $16,843 2.90%
Ellensburg, WA (FHA|USDA|VA) 7 $3,635,000 $519,286 $6,115 3.13%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 10 $3,630,000 $363,000 $11,959 3.10%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 11 $3,535,000 $321,364 $6,465 3.18%
WENATCHEE, WA (FHA|USDA|VA) 8 $3,340,000 $417,500 $6,441 3.25%
VALLEJO, CA (FHA|USDA|VA) 8 $3,270,000 $408,750 $6,645 3.41%
BELLINGHAM, WA (FHA|USDA|VA) 10 $3,180,000 $318,000 $4,538 3.01%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 7 $2,915,000 $416,429 $5,879 3.20%
Oak Harbor, WA (FHA|USDA|VA) 7 $2,805,000 $400,714 $7,747 3.05%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 13 $2,755,000 $211,923 $4,518 3.53%
LONGVIEW, WA (FHA|USDA|VA) 9 $2,435,000 $270,556 $6,375 3.30%
BOULDER, CO (FHA|USDA|VA) 4 $2,350,000 $587,500 $3,787 3.28%
Mountain Home, ID (FHA|USDA|VA) 8 $2,320,000 $290,000 $6,597 2.98%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 3 $2,135,000 $711,667 $5,432 3.25%
MANKATO, MN (FHA|USDA|VA) 9 $2,015,000 $223,889 $3,867 3.00%
Winnemucca, NV (FHA|USDA|VA) 7 $1,855,000 $265,000 $5,804 3.16%
ST. CLOUD, MN (FHA|USDA|VA) 9 $1,845,000 $205,000 $4,734 3.24%
Granbury, TX (FHA|USDA|VA) 8 $1,720,000 $215,000 $7,616 2.81%
Gillette, WY (FHA|USDA|VA) 9 $1,715,000 $190,556 $4,429 3.08%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $1,710,000 $855,000 $4,382 3.25%
DULUTH, MN-WI (FHA|USDA|VA) 10 $1,670,000 $167,000 $4,779 3.39%
Brainerd, MN (FHA|USDA|VA) 6 $1,640,000 $273,333 $5,391 3.23%
TUCSON, AZ (FHA|USDA|VA) 7 $1,595,000 $227,857 $3,452 2.95%
Newport, OR (FHA|USDA|VA) 6 $1,540,000 $256,667 $6,241 3.06%
Hilo, HI (FHA|USDA|VA) 3 $1,505,000 $501,667 $6,227 3.17%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 4 $1,470,000 $367,500 $5,113 2.94%
CARSON CITY, NV (FHA|USDA|VA) 4 $1,410,000 $352,500 $3,681 3.03%
Red Wing, MN (FHA|USDA|VA) 5 $1,405,000 $281,000 $4,865 2.92%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 6 $1,400,000 $233,333 $5,544 2.98%
Ontario, OR-ID (FHA|USDA|VA) 7 $1,395,000 $199,286 $5,275 2.80%
STOCKTON, CA (FHA|USDA|VA) 3 $1,375,000 $458,333 $4,134 2.96%
ALBANY-LEBANON, OR (FHA|USDA|VA) 5 $1,345,000 $269,000 $7,747 2.87%
Red Bluff, CA (FHA|USDA|VA) 5 $1,285,000 $257,000 $4,981 3.55%
PITTSBURGH, PA (FHA|USDA|VA) 4 $1,280,000 $320,000 $6,530 3.06%
FLAGSTAFF, AZ (FHA|USDA|VA) 4 $1,230,000 $307,500 $4,281 3.19%
MEDFORD, OR (FHA|USDA|VA) 4 $1,220,000 $305,000 $4,299 2.84%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $1,185,000 $395,000 $6,930 4.08%
SUMTER, SC (FHA|USDA|VA) 3 $1,185,000 $395,000 $8,492 3.08%
CHICO, CA (FHA|USDA|VA) 4 $1,180,000 $295,000 $6,280 3.03%
RACINE, WI (FHA|USDA|VA) 5 $1,165,000 $233,000 $4,143 3.43%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $1,165,000 $1,165,000 $5,660 3.25%
IDAHO FALLS, ID (FHA|USDA|VA) 3 $1,155,000 $385,000 $10,743 3.17%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 4 $1,090,000 $272,500 $5,200 3.28%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $1,070,000 $535,000 $15,231 2.94%
Gardnerville Ranchos, NV (FHA|USDA|VA) 4 $1,060,000 $265,000 $3,136 3.13%
COLORADO SPRINGS, CO (FHA|USDA|VA) 3 $985,000 $328,333 $13,124 2.79%
KNOXVILLE, TN (FHA|USDA|VA) 2 $930,000 $465,000 $4,577 3.38%
Fallon, NV (FHA|USDA|VA) 4 $920,000 $230,000 $2,983 2.78%
Roseburg, OR (FHA|USDA|VA) 2 $890,000 $445,000 $13,102 2.94%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $850,000 $425,000 $8,972 3.38%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 3 $835,000 $278,333 $4,232 3.12%
LEWISTON, ID-WA (FHA|USDA|VA) 3 $825,000 $275,000 $4,944 2.88%
VISALIA, CA (FHA|USDA|VA) 2 $780,000 $390,000 $2,850 3.25%
Prineville, OR (FHA|USDA|VA) 3 $765,000 $255,000 $4,704 3.21%
Hood River, OR (FHA|USDA|VA) 2 $750,000 $375,000 $6,430 3.13%
Outside of Metro Areas 1 $725,000 $725,000 $11,785 3.38%
GREELEY, CO (FHA|USDA|VA) 2 $690,000 $345,000 $6,538 2.63%
Sandpoint, ID (FHA|USDA|VA) 2 $680,000 $340,000 $6,365 3.25%
Pullman, WA (FHA|USDA|VA) 2 $660,000 $330,000 $5,767 3.19%
Hutchinson, MN (FHA|USDA|VA) 4 $650,000 $162,500 $4,306 3.09%
Cedar City, UT (FHA|USDA|VA) 3 $645,000 $215,000 $4,721 3.50%
Albert Lea, MN (FHA|USDA|VA) 5 $645,000 $129,000 $4,444 2.65%
Evanston, WY (FHA|USDA|VA) 3 $645,000 $215,000 $5,123 2.88%
MODESTO, CA (FHA|USDA|VA) 3 $635,000 $211,667 $6,695 4.04%
FOND DU LAC, WI (FHA|USDA|VA) 4 $630,000 $157,500 $4,057 3.25%
Show Low, AZ (FHA|USDA|VA) 2 $610,000 $305,000 $5,709 3.50%
PANAMA CITY, FL (FHA|USDA|VA) 2 $590,000 $295,000 $5,618 5.31%
MERCED, CA (FHA|USDA|VA) 2 $580,000 $290,000 $7,270 2.94%
NAPA, CA (FHA|USDA|VA) 1 $565,000 $565,000 $4,722 3.25%
Owatonna, MN (FHA|USDA|VA) 2 $560,000 $280,000 $5,164 3.25%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $545,000 $181,667 $4,724 3.29%
GRANTS PASS, OR (FHA|USDA|VA) 2 $530,000 $265,000 $3,845 3.19%
MADISON, WI (FHA|USDA|VA) 3 $525,000 $175,000 $3,337 2.92%
YUBA CITY, CA (FHA|USDA|VA) 1 $515,000 $515,000 $13,425 3.13%
Williston, ND (FHA|USDA|VA) 1 $515,000 $515,000 $7,514 2.50%
BAKERSFIELD, CA (FHA|USDA|VA) 2 $510,000 $255,000 $6,893 3.12%
Rexburg, ID (FHA|USDA|VA) 1 $505,000 $505,000 $14,505 3.25%
Alexandria, MN (FHA|USDA|VA) 2 $500,000 $250,000 $3,924 2.69%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $485,000 $485,000 $5,584 3.63%
Whitewater, WI (FHA|USDA|VA) 2 $480,000 $240,000 $7,637 3.50%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 1 $455,000 $455,000 $12,642 2.75%
WALLA WALLA, WA (FHA|USDA|VA) 1 $445,000 $445,000 $3,791 3.25%
Jackson, WY-ID (FHA|USDA|VA) 1 $415,000 $415,000 $7,392 2.88%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $400,000 $200,000 $5,875 2.88%
APPLETON, WI (FHA|USDA|VA) 2 $400,000 $200,000 $3,328 3.19%
Blackfoot, ID (FHA|USDA|VA) 1 $395,000 $395,000 $8,813 2.75%
Grand Rapids, MN (FHA|USDA|VA) 2 $390,000 $195,000 $6,768 2.69%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 2 $390,000 $195,000 $2,718 3.19%
PEORIA, IL (FHA|USDA|VA) 1 $385,000 $385,000 $5,606 3.63%
Brookings, OR (FHA|USDA|VA) 1 $375,000 $375,000 $6,254 3.38%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $370,000 $185,000 $4,912 3.56%
POCATELLO, ID (FHA|USDA|VA) 3 $355,000 $118,333 $4,110 3.71%
Marion, NC (FHA|USDA|VA) 1 $355,000 $355,000 $8,299 3.50%
LOGAN, UT-ID (FHA|USDA|VA) 1 $355,000 $355,000 $8,753 2.88%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $345,000 $345,000 $3,676 3.38%
Marshall, MN (FHA|USDA|VA) 2 $340,000 $170,000 $3,539 3.25%
PUEBLO, CO (FHA|USDA|VA) 1 $325,000 $325,000 $11,354 2.88%
Fredericksburg, TX (FHA|USDA|VA) 1 $325,000 $325,000 $5,334 3.13%
Port Angeles, WA (FHA|USDA|VA) 1 $315,000 $315,000 $4,395 2.99%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $315,000 $315,000 $13,467 3.00%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $305,000 $305,000 $4,466 3.25%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $305,000 $305,000 $6,073 2.88%
Sonora, CA (FHA|USDA|VA) 1 $305,000 $305,000 $4,551 3.50%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $300,000 $150,000 $9,027 3.06%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 2 $290,000 $145,000 $2,337 3.25%
GAINESVILLE, FL (FHA|USDA|VA) 1 $285,000 $285,000 $5,227 2.75%
St. Marys, GA (FHA|USDA|VA) 1 $275,000 $275,000 $1,485 2.25%
YAKIMA, WA (FHA|USDA|VA) 2 $270,000 $135,000 $2,550 2.69%
FRESNO, CA (FHA|USDA|VA) 1 $255,000 $255,000 $13,078 2.88%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $245,000 $245,000 $2,860 2.88%
Kalispell, MT (FHA|USDA|VA) 1 $245,000 $245,000 $4,170 3.00%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $235,000 $235,000 $4,393 3.63%
Willmar, MN (FHA|USDA|VA) 1 $225,000 $225,000 $2,733 2.75%
ROCHESTER, MN (FHA|USDA|VA) 1 $225,000 $225,000 $7,110 2.88%
Astoria, OR (FHA|USDA|VA) 1 $225,000 $225,000 $4,550 3.00%
Huntsville, TX (FHA|USDA|VA) 1 $215,000 $215,000 $7,720 3.25%
Moses Lake, WA (FHA|USDA|VA) 1 $205,000 $205,000 $3,407 3.25%
EL PASO, TX (FHA|USDA|VA) 1 $195,000 $195,000 $4,993 3.00%
Rock Springs, WY (FHA|USDA|VA) 1 $195,000 $195,000 $4,512 3.13%
COLUMBIA, SC (FHA|USDA|VA) 1 $195,000 $195,000 $2,956 2.88%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $195,000 $195,000 $4,891 3.25%
Coos Bay, OR (FHA|USDA|VA) 1 $195,000 $195,000 $9,444 3.00%
Hailey, ID (FHA|USDA|VA) 1 $175,000 $175,000 $4,842 3.25%
GREEN BAY, WI (FHA|USDA|VA) 1 $165,000 $165,000 $2,638 3.25%
Menomonie, WI (FHA|USDA|VA) 1 $165,000 $165,000 $3,231 2.88%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $155,000 $155,000 $3,081 3.25%
Fairmont, MN (FHA|USDA|VA) 2 $150,000 $75,000 $3,811 2.88%
Breckenridge, CO (FHA|USDA|VA) 1 $145,000 $145,000 $3,404 2.75%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $135,000 $135,000 $4,769 2.75%
BILLINGS, MT (FHA|USDA|VA) 1 $125,000 $125,000 $4,096 3.63%
La Grande, OR (FHA|USDA|VA) 1 $115,000 $115,000 $3,677 2.25%
Payson, AZ (FHA|USDA|VA) 1 $115,000 $115,000 $3,800 3.25%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $105,000 $105,000 $3,310 3.13%
Elko, NV (FHA|USDA|VA) 1 $105,000 $105,000 $3,324 2.88%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $95,000 $95,000 $3,252 2.88%
Corsicana, TX (FHA|USDA|VA) 1 $95,000 $95,000 $3,429 3.25%
MADERA, CA (FHA|USDA|VA) 1 $85,000 $85,000 $3,176 2.99%
Brownwood, TX (FHA|USDA|VA) 1 $85,000 $85,000 $5,271 4.88%
Ukiah, CA (FHA|USDA|VA) 1 $85,000 $85,000 $3,376 3.38%
SPARTANBURG, SC (FHA|USDA|VA) 1 $85,000 $85,000 $4,559 3.75%
Beaver Dam, WI (FHA|USDA|VA) 1 $75,000 $75,000 $2,803 3.63%

Axia Financial 's top markets include Seattle, Minneapolis, Las Vegas, Phoenix, and Portland among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 6,157 $2,082,165,000 $338,178 $5,128 3.17%
FHA 711 $204,845,000 $288,108 $10,210 3.20%
VA 516 $209,400,000 $405,814 $8,743 2.79%
USDA 136 $29,710,000 $218,456 $6,532 2.77%

For the 2021 period, Axia Financial 's most frequently originated loan type of loans were Conventional, with 6,157 originations. Their 2nd most popular type is FHA, with 711 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 4,289 $1,538,935,000 $358,810 $6,741 3.19%
Refi 3,231 $987,185,000 $305,535 $4,772 3.08%

For the 2021, Axia Financial 's most frequently cited loan purpose of loans were Home Purchase, with 4,289 originations. The 2nd most popular reason of loans were Refi, with 3,231 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 6,768 $2,367,650,000 $349,830 $6,104 3.17%
15 Year 408 $94,930,000 $232,672 $3,998 2.58%
20 Year 174 $46,210,000 $265,575 $4,465 2.97%
10 Year 123 $4,355,000 $35,407 $1,045 3.75%
Other 47 $12,975,000 $276,064 $4,401 3.02%

For the 2021, Axia Financial 's most frequently cited loan length of loans were 30 Year, with 6,768 originations. The 2nd most popular length of loans were 15 Year, with 408 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 3,196 $1,028,940,000 $321,946
$2k-3k 1,468 $431,690,000 $294,067
$3k-4k 1,460 $492,240,000 $337,151
$5k+ 821 $404,555,000 $492,759
$<1k 558 $162,980,000 $292,079

$6,104 of loans were Axia Financial 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 3,196 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 3,801 $1,314,365,000 $345,795
2.5-3% 2,960 $1,008,570,000 $340,733
<2.5% 494 $140,760,000 $284,939
4-5% 256 $59,270,000 $231,523
5-6% 8 $2,760,000 $345,000
7-8% 1 $395,000 $395,000

During 2021, Axia Financial 's average interest rate of loans were 3.17%, while their most frequently originated rate bucket of loans were 3-4%, with 3,801 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 3,809 $1,116,755,000 $293,189 $5,635 3.15%
$400k-600k 1,614 $778,490,000 $482,336 $7,003 3.12%
$100k-200k 1,328 $209,600,000 $157,831 $4,388 3.09%
$600k-1MM 413 $299,495,000 $725,169 $9,481 3.14%
$100,000 or less 277 $13,705,000 $49,477 $2,501 3.33%
$1MM+ 79 $108,075,000 $1,368,038 $11,017 3.08%

2021 saw Axia Financial place emphasis on $200k-400k loans with 3,809 originations, totaling $1,116,755,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 1,770 $448,360,000 $253,311 $5,610 3.14%
$100k-150k 1,752 $652,410,000 $372,380 $6,175 3.17%
$75k-100k 1,387 $429,375,000 $309,571 $5,848 3.14%
$150k-250k 1,102 $505,690,000 $458,884 $6,388 3.15%
$50k or less 890 $159,450,000 $179,157 $4,932 3.10%
$250k+ 438 $266,300,000 $607,991 $7,288 3.22%

Axia Financial lent most frequently to those with incomes in the $50k-75k range, with 1,770 originations. The second most popular income band? $100k-150k, with 1,752 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 1,400 $472,940,000 $337,814 $5,337 3.09%
30-36% 1,355 $455,955,000 $336,498 $5,645 3.14%
<20% 434 $134,460,000 $309,816 $4,674 3.06%
44% 348 $114,530,000 $329,109 $6,374 3.20%
42% 332 $114,040,000 $343,494 $5,944 3.24%
39% 319 $117,615,000 $368,699 $6,018 3.20%
43% 312 $97,190,000 $311,506 $5,830 3.23%
36% 284 $94,060,000 $331,197 $5,657 3.17%
41% 278 $94,830,000 $341,115 $5,596 3.21%
40% 278 $100,510,000 $361,547 $6,085 3.17%
38% 278 $97,320,000 $350,072 $5,858 3.16%
37% 261 $85,965,000 $329,368 $5,877 3.16%
49% 259 $83,685,000 $323,108 $6,393 3.20%
50-60% 248 $87,020,000 $350,887 $10,013 2.97%
45% 240 $75,620,000 $315,083 $6,106 3.24%
48% 232 $72,550,000 $312,716 $6,329 3.16%
47% 222 $70,550,000 $317,793 $6,327 3.18%
46% 204 $71,150,000 $348,775 $6,779 3.18%
>60% 28 $13,060,000 $466,429 $11,169 2.94%

Axia Financial lent most frequently to those with DTI ratios of 20-30%, with 1,400 originations. The next most common DTI ratio? 30-36%, with 1,355 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 5,866 $1,919,230,000 $327,179 $5,746 3.14%
Not provided 903 $323,525,000 $358,278 $6,137 3.16%
Asian 401 $164,875,000 $411,160 $6,623 3.11%
Black 244 $82,950,000 $339,959 $6,922 3.16%
American Indian 63 $19,855,000 $315,159 $5,803 3.16%
Native Hawaiian 31 $11,685,000 $376,935 $7,036 3.15%
Not applicable 12 $4,000,000 $333,333 $7,202 2.96%

Approval Rates

Total approvals of all applications
97.96%

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
81.60%

Axia Financial has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 7,520 $2,526,120,000 $335,920

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
7,520 $2,526,120,000 $335,920

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 382 $77,500,000 $202,880 $3,969 2.90%
40-60% 1,084 $323,470,000 $298,404 $4,422 3.00%
60-80% 2,672 $965,840,000 $361,467 $5,509 3.20%
80-100% 3,100 $1,098,580,000 $354,381 $6,727 3.16%
Over 100% 126 $55,040,000 $436,825 $15,496 2.89%
Under 20% 156 $5,690,000 $36,474 $1,354 3.52%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
Aqua Finance, Inc. FHA mortgage Trouble during payment process 1 100.0%