Axos Bank mortgage approval rate & lending review
Axos Bank decided 2,962 mortgage applications and funded 1,767 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Axos Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Axos Bank at a glance
Approval is 18.1 points below the 79.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 80% | 657 / 825 | 98% | $875K | 642 |
| Home improvement loans | 72% | 57 / 79 | 96% | $115K | 55 |
| Cash-out refinance | 33% | 161 / 491 | 95% | $475K | 153 |
| Refinance | 50% | 155 / 311 | 97% | $675K | 151 |
| Investment property purchase | 75% | 540 / 718 | 97% | $505K | 524 |
| Investment cash-out refinance | 37% | 107 / 288 | 97% | $535K | 104 |
| Investment refinance | 47% | 76 / 161 | 97% | $445K | 74 |
| Investment home improvement | 73% | 65 / 89 | 98% | $255K | 64 |
Axos Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 64% | $1.76M | 1,194 | 740 |
| Florida | 47% | $505K | 224 | 101 |
| New York | 40% | $655K | 210 | 77 |
| Texas | 66% | $315K | 146 | 95 |
| Arizona | 68% | $505K | 98 | 66 |
| Georgia | 65% | $235K | 79 | 50 |
| Washington | 68% | $2.31M | 78 | 50 |
| Nevada | 62% | $405K | 74 | 45 |
| Ohio | 62% | $95K | 74 | 45 |
| New Jersey | 66% | $285K | 67 | 43 |
| North Carolina | 65% | $295K | 66 | 41 |
| Pennsylvania | 60% | $205K | 60 | 35 |
| Illinois | 59% | $215K | 46 | 27 |
| Massachusetts | 64% | $425K | 45 | 29 |
| South Carolina | 67% | $275K | 43 | 28 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Axos Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Los Angeles County, CA | Investment property purchase | 67% | 86 | 55 |
| San Diego County, CA | Investment property purchase | 61% | 54 | 32 |
| Orange County, CA | Investment property purchase | 64% | 33 | 20 |
| Santa Clara County, CA | Investment property purchase | 86% | 21 | 15 |
The county markets where Axos Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Axos Bank
What is Axos Bank's mortgage approval rate?
Axos Bank approved 61.4% of the 2,962 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 18.1 points below the 79.5% national rate for the same mix of loan types.
How often do borrowers take the loan Axos Bank offers?
Borrowers accepted 97% of the loans Axos Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Axos Bank make?
The typical home purchase mortgage loan Axos Bank made was $875K; across all loan types its typical loan ran from $115K to $875K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Axos Bank lend?
Axos Bank decided applications in 46 of the states Fat Boy Data covers, most of them in California, Florida and New York.
Can I apply to Axos Bank directly?
Yes. Axos Bank is a bank or credit union with 3 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Axos Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Axos Bank treats applications, then get a rate quote from the lender.