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

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

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Mortgage Data

  • SimulatedRates™
  • 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 Portland among others. We have data for 195 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 an average 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
    Home Equity Line of Credit (HELOC) 6.58% 12/4/22
    30 Year Conventional Purchase 6.96% 12/4/22
    30 Year Conventional Refi 6.91% 12/4/22
    30 Year FHA Purchase 7.93% 12/4/22
    30 Year FHA Refi 7.42% 12/4/22
    30 Year VA Purchase 6.66% 12/4/22
    30 Year VA Refi 6.45% 12/4/22
    30 Year USDA Purchase 6.96% 12/4/22
    30 Year USDA Refi 6.85% 12/4/22
    15 Year Conventional Purchase 6.15% 12/4/22
    15 Year Conventional Refi 6.19% 12/4/22
    15 Year Cash-out Refi 6.19% 12/4/22
    15 Year FHA Purchase 5.76% 12/4/22
    15 Year FHA Refi 7.37% 12/4/22
    15 Year VA Purchase 5.76% 12/4/22
    15 Year VA Refi 6.20% 12/4/22
    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.


    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 mortgage rate was 3.17%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 0.02%.

    Relative Fees (Closing Costs)

    Axia Financial's average total fees/closing costs for a 30 year fixed rate mortgage were $6,104.

    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) 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.

    Their top states include:
  • Washington (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • California (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 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 2021, Axia Financial's most frequently originated type of loan was Conventional, with 6,157 originations. Their 2nd most popular type was FHA, with 711 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Axia Financial's most frequently cited loan purpose was Home Purchase, with 4,289 originations. The 2nd most popular reason was 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 2021, Axia Financial's most frequently cited loan duration was 30 Year, with 6,768 originations. The 2nd most popular length was 15 Year, with 408 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost 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 935 $301,635,000 $322,604
    $5k+ 821 $404,555,000 $492,759
    $<1k 558 $162,980,000 $292,079
    $4k-5k 525 $190,605,000 $363,057

    Axia Financial's average total fees were $6,104, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.17%, while their most frequently originated rate bucket for loans was 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 or Islander 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
    98.97%

    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
    79.92%

    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%