Axos Bank in California vs the state
17.3%Denial rate-0.14 pts vs state
29.2%Decision denial rate+6.80 pts vs state
40.7%Origination rate-15.52 pts vs state
6.88%Median rate+0.25 pts vs state
0.71Rate spread (pts)+0.44 pts vs state
$394kMedian applicant income
299Loans originated
127Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 783 | 295 | 24.3% | 7.63% | #158 |
| 2024 | 679 | 248 | 24.2% | 7.75% | #205 |
| 2025 | 735 | 299 | 17.3% | 6.88% | #200 |
What Axos Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Axos Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 211 | 78 | 47 | 22.3% |
| San Diego County | 151 | 70 | 21 | 13.9% |
| Orange County | 90 | 34 | 19 | 21.1% |
| Santa Clara County | 45 | 21 | 6 | 13.3% |
| Riverside County | 35 | 7 | 5 | 14.3% |
| Ventura County | 19 | 9 | 3 | 15.8% |
| Alameda County | 18 | 10 | 1 | 5.6% |
| San Mateo County | 18 | 10 | 2 | 11.1% |
| Contra Costa County | 18 | 9 | 4 | 22.2% |
| Marin County | 16 | 7 | 2 | 12.5% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 735 applications in 2025, of which 299 were originated and 127 denied.
17.3% of all applications, or 29.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Axos Bank originated in California in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Axos Bank's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology