# AXIA FINANCIAL, LLC

> **Canonical URL:** https://saferate.com/lenders/axia-financial


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


AXIA FINANCIAL, LLC is a independent mortgage company, headquartered in BELLEVUE, WA, serving borrowers across 38 states, with 1,471 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 83% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 39% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493006TY8FGNLX44X28
- **Headquarters:** BELLEVUE, WA
- **Geographic Reach:** Near-National
- **States Served:** 38
- **State List:** AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MT, NC, ND, NE, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WY
- **Markets (MSAs):** 26
- **Primary Channel:** mix
- **Direct Origination:** 77%
- **Brokered/Wholesale:** 23%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 17/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.413%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,403
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,471
- **Dollar Volume:** $585 million
- **Applications Received:** 2,010
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $397,508
- **Average Borrower Income:** $160,386
- **Average Property Value:** $510,438

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 67/100 | 881 | +0.335% | $4,352 | Strong 😀 |
| FHA | 80/100 | 452 | +0.674% | $4,628 | Exceptional 🤩 |
| VA | 69/100 | 103 | -0.204% | $3,850 | Strong 😀 |
| Jumbo | 44/100 | 16 | +0.863% | $4,613 | Sound ☺️ |
| USDA | 51/100 | 19 | +0.575% | $3,368 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 778 loans, Score: 69/100 (Strong)
- Refinance: 103 loans, Score: 54/100 (Sound)

**FHA:**
- Purchase: 409 loans, Score: 80/100 (Exceptional)
- Refinance: 43 loans, Score: 72/100 (Strong)

**VA:**
- Purchase: 101 loans, Score: 70/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 76/100 | 1,320 | $526M | +0.424% | Strong 😀 |
| Refinance | 61/100 | 151 | $59M | +0.316% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 345 | 0.12% | 69/100 |
| NV | 246 | 0.61% | 79/100 |
| ID | 139 | 0.52% | 67/100 |
| TX | 132 | 0.04% | 59/100 |
| UT | 76 | 0.17% | 61/100 |
| MN | 64 | 0.10% | 57/100 |
| AZ | 58 | 0.06% | 55/100 |
| OR | 55 | 0.13% | 58/100 |
| WY | 49 | 0.78% | 65/100 |
| FL | 46 | 0.02% | 47/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 249 | 64/100 |
| Las Vegas | NV | 128 | 72/100 |
| Riverside | CA | 93 | 63/100 |
| Reno, NV | NV | 84 | 74/100 |
| San Diego | CA | 67 | 61/100 |
| Twin Falls, ID | ID | 65 | 76/100 |
| Dallas | TX | 62 | 58/100 |
| Minneapolis | MN-WI | 56 | 57/100 |
| Phoenix | AZ | 47 | 54/100 |
| Los Angeles | CA | 39 | 53/100 |
| Boise City, ID | ID | 38 | 55/100 |
| Provo | UT | 37 | 57/100 |
| Davenport | IA-IL | 22 | 52/100 |
| Bend, OR | OR | 21 | 56/100 |
| Oxnard | CA | 20 | 51/100 |

## Where This Lender Ranks

AXIA FINANCIAL, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Wyoming for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/wyoming/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#5** in Wyoming for USDA Loans
  - [View Full Rankings](https://saferate.com/wyoming/best-mortgage-lenders/usda-loans)
- 🏆 **#8** in Twin Falls, ID Mortgage Companies
  - [View Full Rankings](https://saferate.com/twin-falls-id/best-mortgage-lenders/mortgage-companies)
- 🏆 **#9** in Twin Falls, ID for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/twin-falls-id/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#9** in Twin Falls, ID for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/twin-falls-id/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#12** in Twin Falls, ID for FHA Loans
  - [View Full Rankings](https://saferate.com/twin-falls-id/best-mortgage-lenders/fha-loans)
- 🏆 **#13** in Twin Falls, ID
  - [View Full Rankings](https://saferate.com/twin-falls-id/best-mortgage-lenders)
- 🏆 **#15** in Twin Falls, ID for Conventional Loans
  - [View Full Rankings](https://saferate.com/twin-falls-id/best-mortgage-lenders/conventional-loans)
- 🏆 **#17** in Davenport Mortgage Companies
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/mortgage-companies)
- 🏆 **#20** in Davenport for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does AXIA FINANCIAL, LLC offer?

AXIA FINANCIAL, LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does AXIA FINANCIAL, LLC offer mortgages?

AXIA FINANCIAL, LLC offers mortgages in 38 states: AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MT, NC, ND, NE, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WY.

### How competitive are AXIA FINANCIAL, LLC's mortgage rates?

AXIA FINANCIAL, LLC has a pricing score of 17/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.413% above market average.

### What type of lender is AXIA FINANCIAL, LLC?

AXIA FINANCIAL, LLC is a non-depository lender that specializes in mortgage origination, headquartered in BELLEVUE, WA.

### What is AXIA FINANCIAL, LLC's loan approval success rate?

AXIA FINANCIAL, LLC has a pull-through score of 61/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/axia-financial

### How to Cite

> "AXIA FINANCIAL, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/axia-financial

---

**[View Interactive Profile →](https://saferate.com/lenders/axia-financial)**