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Axos Bank
Bank|San Diego, CA|Near-National
Loans Originated
288
Applications
900
Volume
$225 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Strong
Overall Pull Through
Mediocre
Pricing and Pullthrough Overview
Average Rate Spread
+0.255%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$964
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
32.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Nationwide availability with consistent service
Things to Think About
- Pull through efficiency is below industry average
Report Card
Axos Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Mediocre | Below peers | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Acceptable | Near industry average | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Acceptable | Near industry average | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Near-National · 5 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
$783,681
Average Borrower Income
$319,198
Average Property Value
$1,290,312
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Acceptable | Strong | Mediocre | 204 | 70.8% | +0.189% | $956 |
Jumbo Loans | Sound | Strong | N/A | Sound | 74 | 25.7% | +0.926% | $839 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Acceptable | Sound | Mediocre | 204 | 70.8% | +0.299% | $1,476 |
Refinance | Acceptable | Sound | Strong | Mediocre | 84 | 29.2% | +0.165% | -$65 |
Geographic Coverage
Metro Areas
4
States Served
38
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACOCTDCDEFLGAIAIDILINKYMAMEMIMNMOMSNCNENJNVNYOHOKORPASCTNTXUTVAWAWIWY
Top Metro Areas by Place Specialization Score
1
Los Angeles, CAMSA
Volume: 24Mix: 8.33%
Place Specialization
Sound
2
San Diego, CAMSA
Volume: 13Mix: 4.51%
Place Specialization
Sound
3
Oakland, CAMSA
Volume: 12Mix: 4.17%
Place Specialization
Sound
4
San Jose, CAMSA
Volume: 10Mix: 3.47%
Place Specialization
Sound
Top States by Place Specialization Score
1
CAState
Volume: 97Mix: 33.68%
Place Specialization
Strong
2
WAState
Volume: 16Mix: 5.56%
Place Specialization
Sound
3
AZState
Volume: 13Mix: 4.51%
Place Specialization
Sound
4
NVState
Volume: 11Mix: 3.82%
Place Specialization
Sound
5
GAState
Volume: 13Mix: 4.51%
Place Specialization
Sound
6
NYState
Volume: 11Mix: 3.82%
Place Specialization
Sound
7
OHState
Volume: 10Mix: 3.47%
Place Specialization
Acceptable
8
TXState
Volume: 12Mix: 4.17%
Place Specialization
Acceptable
9
FLState
Volume: 12Mix: 4.17%
Place Specialization
Acceptable
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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