Get & compare mortgage quotes anonymously Start in My Home
AB
Unclaimed

Axos Bank

Bank•San Diego, CAHQ•Direct & Wholesale•Reviews near you on Google

Axos Bank has 288 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Mediocre
1/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Near-National · 4 mkts

Safe Rate 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

Explore another lender or local market

Report Card

Axos Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+25.5 bps above market avg
Pull Through
Closing strength
Mediocre
Bottom 20% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 5 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Acceptable
Pricing
Strong
Pull Through
Mediocre
Volume204
Mix70.8%
Spread
+0.189%Above
Fees
$956Fees
Jumbo Loans
Overall
Sound
Product
Strong
Pricing—
Pull Through
Sound
Volume74
Mix25.7%
Spread
+0.926%Above
Fees
$839Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Acceptable
Pricing
Sound
Pull Through
Mediocre
Volume204
Mix70.8%
Spread
+0.299%Above
Fees
$1,476Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Mediocre
Volume84
Mix29.2%
Spread
+0.165%Above
Fees
$65Credit

At a Glance

Lender Overview

Lending Activity
Loans Originated
288
Applications
900
Volume
$225 million
Pricing & Closing
Avg Rate Spread
+0.255%
vs. market APOR
Avg Net Fees
$964
Origination − Credits
Pullthrough Rate
32.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$783,681
Avg Borrower Income
$319,198
Avg Property Value
$1,290,312

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
38
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

38
38 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast6
CTMEMANJNYPA
Midwest9
IAILINMIMNMONEOHWI
South14
ALARDCDEFLGAKYMSNCOKSCTNTXVA
West9
AZCACOIDNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 24Mix 8.33% of portfolio
52/100
Sound
2© Bernard Gagnon · CC BY-SA 3.0
San Diego, CAMetro
Volume 13Mix 4.51% of portfolio
45/100
Sound
3© Basil D Soufi · CC BY-SA 3.0
Oakland, CAMetro
Volume 12Mix 4.17% of portfolio
45/100
Sound
4© Ben Loomis · CC BY 2.0
San Jose, CAMetro
Volume 10Mix 3.47% of portfolio
44/100
Sound

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 97Mix 33.68% of portfolio
61/100
Strong
Washington
Washington
2
WashingtonState
Volume 16Mix 5.56% of portfolio
46/100
Sound
Arizona
Arizona
3
ArizonaState
Volume 13Mix 4.51% of portfolio
43/100
Sound
Nevada
Nevada
4
NevadaState
Volume 11Mix 3.82% of portfolio
43/100
Sound
Georgia
Georgia
5
GeorgiaState
Volume 13Mix 4.51% of portfolio
42/100
Sound
New York
New York
6
New YorkState
Volume 11Mix 3.82% of portfolio
42/100
Sound
Ohio
Ohio
7
OhioState
Volume 10Mix 3.47% of portfolio
39/100
Acceptable
Texas
Texas
8
TexasState
Volume 12Mix 4.17% of portfolio
38/100
Acceptable
Florida
Florida
9
FloridaState
Volume 12Mix 4.17% of portfolio
37/100
Acceptable

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.

Looking for a different lender?

Are you the owner of Axos Bank?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
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.