Applications / Mortgage Analytics / Lenders / California / Axos Bank
San Diego, CA · Savings institution · OCC · $27.2 billion assets · 658 loans in 2025
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658
loans originated, 2025
2,014
applications, 2025
44
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Axos Bank is a savings institution lending across 44 states in large, almost entirely conventional loans, and its dollar volume rose in 2025 while its loan count held steady.
Its typical loan was $810,000, against $215,000 at similar lenders (savings institutions making between half and twice as many loans), and 41.7% of its loans were jumbo (larger than the conforming limit), against 2.5%, the highest share in the group. Dollar volume rose from $793.1 million to $1.18 billion while its loan count barely moved, from 665 to 658.
8.6% of its loans went to low- and moderate-income (LMI) borrowers, against 25.1% at similar lenders, among the lowest in the group. Its large loans are one possible reason, since such loans tend to go to higher-income households. By contrast, 21.1% of its loans were in majority-minority areas, against 5.8%, higher than about four in five similar lenders.
It made 4,656 loans in 2020 and 658 in 2025, when its count fell 1% while similar lenders grew 7%. Its typical rate rose from 3.12% to 6.88% over those years, which may have cut refinancing, and its typical loan rose from $375,000 to $810,000, which could reflect a turn toward fewer, larger loans.
In San Diego-Chula Vista-Carlsbad, home to its head office, its share rose from 0.2% to 0.5%, ranking 41 of 639 lenders. United Wholesale Mortgage and Rocket Mortgage lead that market.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Axos Bank took 2,014 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 59.3% · Refinance 30.7% · Home improvement 7.0% · Other 3.0%
Conventional 99.8% · VA 0.2% · of 658 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 299 | 45.4% |
| New York | 38 | 5.8% |
| Florida | 34 | 5.2% |
| Texas | 23 | 3.5% |
| Arizona | 19 | 2.9% |
| New Jersey | 19 | 2.9% |
| Washington | 18 | 2.7% |
| Nevada | 17 | 2.6% |
| Virginia | 14 | 2.1% |
| Georgia | 13 | 2.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 78 |
| San Diego-Chula Vista-Carlsbad | 70 |
| Anaheim-Santa Ana-Irvine | 34 |
| San Jose-Sunnyvale-Santa Clara | 21 |
| Oakland-Fremont-Berkeley | 19 |
| New York-Jersey City-White Plains | 16 |
| Nassau County-Suffolk County | 14 |
| Phoenix-Mesa-Chandler | 14 |
| San Francisco-San Mateo-Redwood City | 14 |
| Lakewood-New Brunswick | 12 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549009X2AG1P20YAJ63 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2917317 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 416456 | 2001–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1716456 | 2011–2017 |
Established 4 July 2000. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Axos Bank's data.
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