What loan types does Axia Financial offer?

Axia Financial 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 offer mortgages?

Axia Financial 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's mortgage rates?

Axia Financial 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?

Axia Financial is a Independent Mortgage Company headquartered in BELLEVUE, WA.

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Axia Financial

Independent Mortgage Company•Bellevue, WAHQ•Direct & Wholesale•Reviews near you on Google

We analyzed every closed loan from Axia Financial — 1.5k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

3/5

Near-National · 25 mkts

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 performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+41.3 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Exceptional

Top 20% of lenders

Strong

Top 40% of lenders

Jumbo

Sound

Top 60% of lenders

USDA

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 26 markets

Sound

Top 60% of lenders

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	Sound	Sound	—	Acceptable	19	1.3%	+0.575%Above	$3,368Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Strong

Volume881

Mix59.9%

Spread

+0.335%Above

Fees

$4,352Fees

FHA Loans

Overall

Sound

Product

Exceptional

Pricing

Mediocre

Pull Through

Strong

Volume452

Mix30.7%

Spread

+0.674%Above

Fees

$4,628Fees

VA Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Strong

Volume103

Mix7.0%

Spread

-0.204%Below

Fees

$3,850Fees

Jumbo Loans

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Acceptable

Volume16

Mix1.1%

Spread

+0.863%Above

Fees

$4,613Fees

USDA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Acceptable

Volume19

Mix1.3%

Spread

+0.575%Above

Fees

$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

Purchase

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Strong

Volume1,320

Mix89.7%

Spread

+0.424%Above

Fees

$4,447Fees

Refinance

Overall

Acceptable

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume151

Mix10.3%

Spread

+0.316%Above

Fees

$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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast3

CTMEPA

Midwest11

IAILINKSMIMNMONDNEOHWI

South14

ALARDEFLGAKYLAMDNCOKSCTNTXVA

West10

AZCACOIDMTNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Charles Roscoe Savage · Public domain

Twin Falls, IDMetro

Volume 65Mix 4.42% of portfolio

76/100

Strong

2© G. Edward Johnson · CC BY 4.0

Reno, NVMetro

Volume 84Mix 5.71% of portfolio

74/100

Strong

3© Roman Eugeniusz · CC BY-SA 3.0

Las Vegas, NVMetro

Volume 128Mix 8.70% of portfolio

72/100

Strong

4© Johnwayne Stroud · CC BY-SA 3.0

Riverside, CAMetro

Volume 93Mix 6.32% of portfolio

63/100

Strong

San Diego, CAMetro

Volume 67Mix 4.55% of portfolio

61/100

Strong

Dallas, TXMetro

Volume 62Mix 4.21% of portfolio

58/100

Sound

Provo, UTMetro

Volume 37Mix 2.52% of portfolio

57/100

Sound

Minneapolis, MN-WIMetro

Volume 56Mix 3.81% of portfolio

57/100

Sound

Bend, ORMetro

Volume 21Mix 1.43% of portfolio

56/100

Sound

Boise City, IDMetro

Volume 38Mix 2.58% of portfolio

55/100

Sound

Showing 10 of 25 metro areas

Top States by Place Specialization Score

NevadaState

Volume 246Mix 16.72% of portfolio

79/100

Strong

CaliforniaState

Volume 345Mix 23.45% of portfolio

69/100

Strong

IdahoState

Volume 139Mix 9.45% of portfolio

67/100

Strong

WyomingState

Volume 49Mix 3.33% of portfolio

65/100

Strong

UtahState

Volume 76Mix 5.17% of portfolio

61/100

Strong

TexasState

Volume 132Mix 8.97% of portfolio

59/100

Sound

OregonState

Volume 55Mix 3.74% of portfolio

58/100

Sound

MinnesotaState

Volume 64Mix 4.35% of portfolio

57/100

Sound

ArizonaState

Volume 58Mix 3.94% of portfolio

55/100

Sound

WashingtonState

Volume 38Mix 2.58% of portfolio

52/100

Sound

Showing 10 of 21 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

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.