# Axos Bank

> **Canonical URL:** https://saferate.com/lenders/axos-bank


> **📋 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


Axos Bank is a bank, headquartered in San Diego, CA, serving borrowers across 38 states, with 288 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 36% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 87% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 2549009X2AG1P20YAJ63
- **Headquarters:** San Diego, CA
- **Geographic Reach:** Near-National
- **States Served:** 38
- **State List:** AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KY, MA, ME, MI, MN, MO, MS, NC, NE, NJ, NV, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WY
- **Markets (MSAs):** 5
- **Primary Channel:** mix
- **Direct Origination:** 71.2%
- **Brokered/Wholesale:** 28.8%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pull Through: Mediocre 😐
- Score: 13/100
- Rating: ●○○○○ (1/5)

### Pricing Details
- **Average Rate Spread:** +0.255%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $964
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 288
- **Dollar Volume:** $226 million
- **Applications Received:** 900
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $783,681
- **Average Borrower Income:** $319,198
- **Average Property Value:** $1,290,312

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 36/100 | 204 | +0.189% | $956 | Acceptable 🙂 |
| Jumbo | 73/100 | 74 | +0.926% | $839 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 139 loans, Score: 35/100 (Acceptable)
- Refinance: 65 loans, Score: 46/100 (Sound)

**Jumbo:**
- Purchase: 60 loans, Score: 74/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 40/100 | 204 | $170M | +0.299% | Acceptable 🙂 |
| Refinance | 44/100 | 84 | $55M | +0.165% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 97 | 0.03% | 61/100 |
| WA | 16 | 0.02% | 46/100 |
| AZ | 13 | 0.01% | 43/100 |
| GA | 13 | 0.01% | 42/100 |
| FL | 12 | 0.00% | 37/100 |
| TX | 12 | 0.00% | 38/100 |
| NV | 11 | 0.03% | 43/100 |
| NY | 11 | 0.01% | 42/100 |
| OH | 10 | 0.01% | 39/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 25 | 34/100 |
| Los Angeles | CA | 24 | 52/100 |
| San Diego | CA | 13 | 45/100 |
| Oakland | CA | 12 | 45/100 |
| San Jose | CA | 10 | 44/100 |

## Frequently Asked Questions

### What loan types does Axos Bank offer?

Axos Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Axos Bank offer mortgages?

Axos Bank offers mortgages in 38 states: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KY, MA, ME, MI, MN, MO, MS, NC, NE, NJ, NV, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WY.

### How competitive are Axos Bank's mortgage rates?

Axos Bank has a pricing score of 64/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.255% above market average.

### What type of lender is Axos Bank?

Axos Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in San Diego, CA.

### What is Axos Bank's loan approval success rate?

Axos Bank has a pull-through score of 13/100 (Mediocre). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## 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/axos-bank

### How to Cite

> "Axos Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/axos-bank

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