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 score and performance metrics.

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 an overall pricing score of 16.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is AXIA FINANCIAL, LLC?

AXIA FINANCIAL, LLC is a Independent Mortgage Company headquartered in BELLEVUE, WA.

Unclaimed

Axia Financial, LLC

Independent Mortgage Company•BELLEVUE, WA•Direct to Consumer

We analyzed every closed loan from Axia Financial — 1.5k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Mediocre

vs. all lenders

Pull Through

Strong

closing strength

Products

Exceptional

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

Near-National · 25 mkts

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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)

Explore another lender or local market

Report Card

Axia Financial, LLC performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Mediocre	Below peers +41.3 bps above market avg
Pull Through Closing strength	Strong	Highly Competitive Top 40% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Exceptional	Market Leader Top 20% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
Jumbo	Sound	Industry Standard Top 60% of lenders
USDA	Sound	Industry Standard Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Near-National26 markets

Loan Product Performance

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%Above	$4,352Fees
FHA Loans	Sound	Exceptional	Mediocre	Strong	452	30.7%	+0.674%Above	$4,628Fees
VA Loans	Sound	Strong	Mediocre	Strong	103	7.0%	-0.204%Below	$3,850Fees
Jumbo Loans	Acceptable	Sound	—	Acceptable	16	1.1%	+0.863%Above	$4,613Fees
USDA Loans	Acceptable	Sound	—	Acceptable	19	1.3%	+0.575%Above	$3,368Fees

Loan Purpose Performance

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%Above	$4,447Fees
Refinance	Acceptable	Strong	Mediocre	Sound	151	10.3%	+0.316%Above	$4,024Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

1,471

Applications

2,010

Volume

$584 million

Pricing & Closing

Avg Rate Spread

+0.413%

vs. market APOR

Avg Net Fees

$4,403

Origination − Credits

Pullthrough Rate

73.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$397,508

Avg Borrower Income

$160,386

Avg Property Value

$510,438

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALARAZCACOCTDEFLGAIAIDILINKSKYLAMDMEMIMNMOMTNCNDNENVOHOKORPASCTNTXUTVAWAWIWY

Top Metro Areas by Place Specialization Score

Twin Falls, ID, IDMSA

Volume: 65Mix: 4.42%of portfolio

Place

Strong

Reno, NV, NVMSA

Volume: 84Mix: 5.71%of portfolio

Place

Strong

Las Vegas, NVMSA

Volume: 128Mix: 8.70%of portfolio

Place

Strong

Riverside, CAMSA

Volume: 93Mix: 6.32%of portfolio

Place

Strong

San Diego, CAMSA

Volume: 67Mix: 4.55%of portfolio

Place

Strong

Dallas, TXMSA

Volume: 62Mix: 4.21%of portfolio

Place

Sound

Provo, UTMSA

Volume: 37Mix: 2.52%of portfolio

Place

Sound

Minneapolis, MN-WIMSA

Volume: 56Mix: 3.81%of portfolio

Place

Sound

Bend, OR, ORMSA

Volume: 21Mix: 1.43%of portfolio

Place

Sound

Boise City, ID, IDMSA

Volume: 38Mix: 2.58%of portfolio

Place

Sound

Showing 10 of 25 metro areas

Top States by Place Specialization Score

NVState

Volume: 246Mix: 16.72%of portfolio

Place

Strong

CAState

Volume: 345Mix: 23.45%of portfolio

Place

Strong

IDState

Volume: 139Mix: 9.45%of portfolio

Place

Strong

WYState

Volume: 49Mix: 3.33%of portfolio

Place

Strong

UTState

Volume: 76Mix: 5.17%of portfolio

Place

Strong

TXState

Volume: 132Mix: 8.97%of portfolio

Place

Sound

ORState

Volume: 55Mix: 3.74%of portfolio

Place

Sound

MNState

Volume: 64Mix: 4.35%of portfolio

Place

Sound

AZState

Volume: 58Mix: 3.94%of portfolio

Place

Sound

WAState

Volume: 38Mix: 2.58%of portfolio

Place

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.