Axia Financial Mortgage Rates, Fees & Info
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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.
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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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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,666Origination Dollar Volume (All Markets)
$1,359,530,000Awards
AXIA FINANCIAL - 2022
AXIA FINANCIAL is a 2022 , due to their low .
For 2022, 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) | 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% |
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Product Mix
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
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
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
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
2022 saw Axia Financial place emphasis on $200k-400k loans with 1,640 originations, totaling $488,350,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications96.78%
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 origination79.51%
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
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Aspen Yo LLC | Conventional home mortgage | Trouble during payment process | 2 | 100.0% |