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AXIA FINANCIAL, LLC
Independent Mortgage Company|BELLEVUE, WA|Near-National
Loans Originated
1,471
Applications
2,010
Volume
$584 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.413%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,403
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
73.2%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,403)
Report Card
AXIA FINANCIAL, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 26 metro areas · 38 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$397,508
Average Borrower Income
$160,386
Average Property Value
$510,438
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Mediocre | Strong | 881 | 59.9% | +0.335% | $4,352 |
FHA Loans | Sound | Exceptional | Mediocre | Strong | 452 | 30.7% | +0.674% | $4,628 |
VA Loans | Sound | Strong | Mediocre | Strong | 103 | 7.0% | -0.204% | $3,850 |
Jumbo Loans | Acceptable | Sound | N/A | Acceptable | 16 | 1.1% | +0.863% | $4,613 |
USDA Loans | Acceptable | Sound | N/A | Acceptable | 19 | 1.3% | +0.575% | $3,368 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Mediocre | Strong | 1,320 | 89.7% | +0.424% | $4,447 |
Refinance | Acceptable | Strong | Mediocre | Sound | 151 | 10.3% | +0.316% | $4,024 |
Geographic Coverage
Metro Areas
25
States Served
38
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACOCTDEFLGAIAIDILINKSKYLAMDMEMIMNMOMTNCNDNENVOHOKORPASCTNTXUTVAWAWIWY
Top Metro Areas by Place Specialization Score
1
Twin Falls, ID, IDMSA
Volume: 65Mix: 4.42%
Place Specialization
Strong
2
Reno, NV, NVMSA
Volume: 84Mix: 5.71%
Place Specialization
Strong
3
Las Vegas, NVMSA
Volume: 128Mix: 8.70%
Place Specialization
Strong
4
Riverside, CAMSA
Volume: 93Mix: 6.32%
Place Specialization
Strong
5
San Diego, CAMSA
Volume: 67Mix: 4.55%
Place Specialization
Strong
6
Dallas, TXMSA
Volume: 62Mix: 4.21%
Place Specialization
Sound
7
Provo, UTMSA
Volume: 37Mix: 2.52%
Place Specialization
Sound
8
Minneapolis, MN-WIMSA
Volume: 56Mix: 3.81%
Place Specialization
Sound
9
Bend, OR, ORMSA
Volume: 21Mix: 1.43%
Place Specialization
Sound
10
Boise City, ID, IDMSA
Volume: 38Mix: 2.58%
Place Specialization
Sound
Showing 10 of 25 metro areas
Top States by Place Specialization Score
1
NVState
Volume: 246Mix: 16.72%
Place Specialization
Strong
2
CAState
Volume: 345Mix: 23.45%
Place Specialization
Strong
3
IDState
Volume: 139Mix: 9.45%
Place Specialization
Strong
4
WYState
Volume: 49Mix: 3.33%
Place Specialization
Strong
5
UTState
Volume: 76Mix: 5.17%
Place Specialization
Strong
6
TXState
Volume: 132Mix: 8.97%
Place Specialization
Sound
7
ORState
Volume: 55Mix: 3.74%
Place Specialization
Sound
8
MNState
Volume: 64Mix: 4.35%
Place Specialization
Sound
9
AZState
Volume: 58Mix: 3.94%
Place Specialization
Sound
10
WAState
Volume: 38Mix: 2.58%
Place Specialization
Sound
Showing 10 of 21 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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