Axos Bank
Axos Bank received 2,014 applications in 2025 and made 658 mortgages, in 475 counties across 50 states. The median rate its borrowers got was 6.875% on a median loan of $805,000. Of 1,074 decisions, 399 were denials — 37.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 2549009X2AG1P20YAJ63 |
|---|---|
| Applications received | 2,014 |
| Mortgages made | 658 |
| Denied | 399 |
| Approved, not taken up | 17 |
| Withdrawn or incomplete | 940 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.612 points |
| FDIC-insured bank | Yes: Axos Bank, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 390 | 6.875% | $1,005,000 | 23.5% |
| Refinancing | 116 | 6.500% | $595,000 | 39.3% |
| Cash-out refinancing | 86 | 7.125% | $1,005,000 | 57.4% |
| Other purposes | 66 | 8.125% | $300,000 | 54.3% |
Where Axos Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Los Angeles County, CA | 78 | 6.990% | 36.2% |
| San Diego County, CA | 70 | 6.625% | 23.1% |
| Orange County, CA | 34 | 6.750% | 35.2% |
| Santa Clara County, CA | 21 | 7.375% | 20.7% |
| Maricopa County, AZ | 13 | 6.875% | 31.6% |
| Alameda County, CA | 10 | 6.625% | 9.1% |
| San Mateo County, CA | 10 | 8.063% | 16.7% |
| Monmouth County, NJ | 10 | 6.500% | 16.7% |
| Suffolk County, NY | 10 | 6.875% | 42.1% |
| King County, WA | 10 | 6.938% | 41.2% |
| Contra Costa County, CA | 9 | Under 10 loans | 30.8% |
| Ventura County, CA | 9 | Under 10 loans | 25.0% |
| Miami-Dade County, FL | 9 | Under 10 loans | 41.2% |
| Santa Barbara County, CA | 8 | Under 10 loans | 20.0% |
| Washoe County, NV | 8 | Under 10 loans | 18.2% |
| Marin County, CA | 7 | Under 10 loans | 22.2% |
| Riverside County, CA | 7 | Under 10 loans | 41.7% |
| Westchester County, NY | 7 | Under 10 loans | 22.2% |
| Harris County, TX | 7 | Under 10 loans | 30.0% |
| Clark County, NV | 6 | Under 10 loans | 50.0% |
| Sonoma County, CA | 5 | Under 10 loans | 0.0% |
| Broward County, FL | 5 | Under 10 loans | 66.7% |
| San Bernardino County, CA | 4 | Under 10 loans | 33.3% |
| San Francisco County, CA | 4 | Under 10 loans | 42.9% |
| San Luis Obispo County, CA | 4 | Under 10 loans | 33.3% |
| Santa Cruz County, CA | 4 | Under 10 loans | 20.0% |
| Western Connecticut Planning Region, CT | 4 | Under 10 loans | 33.3% |
| Palm Beach County, FL | 4 | Under 10 loans | 42.9% |
| Maui County, HI | 4 | Under 10 loans | 42.9% |
| Middlesex County, MA | 4 | Under 10 loans | 0.0% |
| Nassau County, NY | 4 | Under 10 loans | 71.4% |
| Philadelphia County, PA | 4 | Under 10 loans | 42.9% |
| Summit County, CO | 3 | Under 10 loans | 0.0% |
| Sarasota County, FL | 3 | Under 10 loans | 25.0% |
| Chatham County, GA | 3 | Under 10 loans | 0.0% |
| Cook County, IL | 3 | Under 10 loans | 25.0% |
| Jackson County, MO | 3 | Under 10 loans | 25.0% |
| Gallatin County, MT | 3 | Under 10 loans | 25.0% |
| New York County, NY | 3 | Under 10 loans | 76.9% |
| Wake County, NC | 3 | Under 10 loans | 50.0% |
| Davidson County, TN | 3 | Under 10 loans | 25.0% |
| Rutherford County, TN | 3 | Under 10 loans | 0.0% |
| Williamson County, TN | 3 | Under 10 loans | 25.0% |
| Travis County, TX | 3 | Under 10 loans | 25.0% |
| Utah County, UT | 3 | Under 10 loans | 0.0% |
| Chesterfield County, VA | 3 | Under 10 loans | 0.0% |
| Loudoun County, VA | 3 | Under 10 loans | 0.0% |
| Coconino County, AZ | 2 | Under 10 loans | 0.0% |
| Benton County, AR | 2 | Under 10 loans | 0.0% |
| Calaveras County, CA | 2 | Under 10 loans | 33.3% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.