Axia Financial Mortgage Rates, Fees & Info
BELLEVUE, WALEI: 5493006TY8FGNLX44X28
Tax ID: 26-0455770
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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 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.81% | 11/17/24 |
| 30 Year Conventional Refi | 6.77% | 11/17/24 |
| 30 Year FHA Purchase | 7.53% | 11/17/24 |
| 30 Year FHA Refi | 7.28% | 11/17/24 |
| 30 Year VA Purchase | 6.43% | 11/17/24 |
| 30 Year VA Refi | 6.42% | 11/17/24 |
| 30 Year USDA Purchase | 6.77% | 11/17/24 |
| 15 Year Conventional Purchase | 7.51% | 11/17/24 |
| 15 Year Conventional Refi | 6.31% | 11/17/24 |
| 15 Year Cash-out Refi | 6.31% | 11/17/24 |
| 15 Year FHA Purchase | 7.03% | 11/17/24 |
| 15 Year VA Refi | 7.31% | 11/17/24 |
| 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
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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
7,520Origination Dollar Volume (All Markets)
$2,526,120,000Awards
AXIA FINANCIAL - 2021
AXIA FINANCIAL is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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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% |
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Product Mix
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
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
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
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
2021 saw Axia Financial place emphasis on $200k-400k loans with 3,809 originations, totaling $1,116,755,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications98.97%
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 origination79.92%
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
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Aqua Finance, Inc. | FHA mortgage | Trouble during payment process | 1 | 100.0% |