Axos Bank Mortgage Lending & HMDA Data, 2023

In 2023, Axos Bank of San Diego, CA reported 2,779 mortgage applications totaling $4.1 billion, down 46% from 2022. The average application was for $1,461,903, and applicants reported an average income of $443,483. 28% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (259), San Diego-Carlsbad, CA (148) and New York-Jersey City-White Plains, NY-NJ (121) (applications in parentheses).

Mortgage Company & Address Axos Bank
4350 La Jolla Village Dr Suite 140
San Diego, CA 92122
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 2,779
Total Mortgage Loan Application Amount $4,062,630,000
Average Mortgage Loan Application Amount $1,461,903
Highest Mortgage Loan Application Amount $97,005,000
Average Applicant Income $443,483
Highest Applicant Income $9,841,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Axos Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Axos Bank by County in 2023

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 259 $ 1,073,955,000 $ 4,146,544 $ 916,000
San Diego, California 148 $ 272,510,000 $ 1,841,283 $ 776,000
Orange, California 80 $ 193,120,000 $ 2,414,000 $ 1,100,000
Maricopa, Arizona 53 $ 70,645,000 $ 1,332,924 $ 545,000
New York, New York 48 $ 354,255,000 $ 7,380,312 $ 1,611,000
Suffolk, New York 46 $ 337,230,000 $ 7,331,086 $ 361,000
Santa Clara, California 43 $ 75,905,000 $ 1,765,232 $ 558,000
Miami-Dade, Florida 38 $ 106,570,000 $ 2,804,473 $ 1,174,000
Harris, Texas 37 $ 11,915,000 $ 322,027 $ 336,000
San Mateo, California 36 $ 99,250,000 $ 2,756,944 $ 1,126,000
Clark, Nevada 36 $ 43,540,000 $ 1,209,444 $ 665,000
King, Washington 32 $ 41,850,000 $ 1,307,812 $ 636,000
Riverside, California 29 $ 18,945,000 $ 653,275 $ 293,000
Cuyahoga, Ohio 28 $ 3,310,000 $ 118,214 $ 199,000
Broward, Florida 27 $ 73,895,000 $ 2,736,851 $ 923,000
Palm Beach, Florida 21 $ 53,425,000 $ 2,544,047 $ 1,842,000
Fulton, Georgia 20 $ 15,070,000 $ 753,500 $ 570,000
Dallas, Texas 20 $ 25,330,000 $ 1,266,500 $ 523,000
San Francisco, California 19 $ 42,485,000 $ 2,236,052 $ 664,000
Kings, New York 19 $ 22,945,000 $ 1,207,631 $ 567,000
Contra Costa, California 18 $ 15,030,000 $ 835,000 $ 361,000
Santa Barbara, California 18 $ 76,840,000 $ 4,268,888 $ 1,001,000
San Bernardino, California 17 $ 8,955,000 $ 526,764 $ 336,000
Nassau, New York 17 $ 21,415,000 $ 1,259,705 $ 371,000
Travis, Texas 17 $ 23,145,000 $ 1,361,470 $ 759,000
Cook, Illinois 16 $ 4,000,000 $ 250,000 $ 162,000
Ventura, California 15 $ 24,535,000 $ 1,635,666 $ 578,000
Shelby, Tennessee 15 $ 1,895,000 $ 126,333 $ 136,000
Queens, New York 14 $ 47,830,000 $ 3,416,428 $ 174,000
Alameda, California 13 $ 11,275,000 $ 867,307 $ 249,000
Pinellas, Florida 13 $ 10,035,000 $ 771,923 $ 449,000
Washtenaw, Michigan 12 $ 9,250,000 $ 770,833 $ 230,000
Franklin, Ohio 12 $ 3,160,000 $ 263,333 $ 167,000
Bexar, Texas 12 $ 3,940,000 $ 328,333 $ 194,000
Monterey, California 11 $ 19,305,000 $ 1,755,000 $ 401,000
Duval, Florida 11 $ 4,535,000 $ 412,272 $ 257,000
Jackson, Missouri 11 $ 2,335,000 $ 212,272 $ 202,000
Westchester, New York 11 $ 36,395,000 $ 3,308,636 $ 186,000
Denton, Texas 11 $ 3,315,000 $ 301,363 $ 180,000
Brevard, Florida 10 $ 3,920,000 $ 392,000 $ 159,000
Collier, Florida 10 $ 41,520,000 $ 4,152,000 $ 634,000
Hillsborough, Florida 10 $ 5,550,000 $ 555,000 $ 245,000
Washoe, Nevada 10 $ 24,220,000 $ 2,422,000 $ 792,000
Monmouth, New Jersey 10 $ 7,180,000 $ 718,000 $ 335,000
Bronx, New York 10 $ 32,590,000 $ 3,259,000 $ 247,000
Marion, Oregon 10 $ 2,250,000 $ 225,000 $ 81,000
Philadelphia, Pennsylvania 10 $ 2,380,000 $ 238,000 $ 123,000
Cobb, Georgia 9 $ 1,845,000 $ 205,000 $ 221,000
Maui, Hawaii 9 $ 25,305,000 $ 2,811,666 $ 896,000
Montgomery, Texas 9 $ 2,275,000 $ 252,777 $ 156,000
Pasco, Florida 8 $ 1,870,000 $ 233,750 $ 142,000
Clayton, Georgia 8 $ 640,000 $ 80,000 $ 178,000
DeKalb, Georgia 8 $ 2,780,000 $ 347,500 $ 126,000
Gwinnett, Georgia 8 $ 3,690,000 $ 461,250 $ 177,000
Prince George's, Maryland 8 $ 3,190,000 $ 398,750 $ 202,000
Fairfax, Virginia 8 $ 12,870,000 $ 1,608,750 $ 445,000
Fresno, California 7 $ 1,165,000 $ 166,428 $ 116,000
Placer, California 7 $ 3,965,000 $ 566,428 $ 294,000
Santa Cruz, California 7 $ 5,705,000 $ 815,000 $ 207,000
District of Columbia, District Of Columbia 7 $ 13,435,000 $ 1,919,285 $ 310,000
Monroe, Florida 7 $ 23,115,000 $ 3,302,142 $ 1,384,000
Hawaii, Hawaii 7 $ 14,855,000 $ 2,122,142 $ 711,000
Bergen, New Jersey 7 $ 3,285,000 $ 469,285 $ 132,000
Rockland, New York 7 $ 2,855,000 $ 407,857 $ 418,000
Wake, North Carolina 7 $ 2,375,000 $ 339,285 $ 204,000
Oklahoma, Oklahoma 7 $ 995,000 $ 142,142 $ 209,000
Williamson, Texas 7 $ 2,855,000 $ 407,857 $ 231,000
Snohomish, Washington 7 $ 3,725,000 $ 532,142 $ 276,000
Spokane, Washington 7 $ 6,235,000 $ 890,714 $ 248,000
Sacramento, California 6 $ 2,670,000 $ 445,000 $ 179,000
Jefferson, Colorado 6 $ 7,000,000 $ 1,166,666 $ 934,000
Fairfield, Connecticut 6 $ 2,780,000 $ 463,333 $ 241,000
Walton, Florida 6 $ 13,480,000 $ 2,246,666 $ 1,346,000
Marion, Indiana 6 $ 1,330,000 $ 221,666 $ 111,000
Essex, Massachusetts 6 $ 5,270,000 $ 878,333 $ 275,000
Erie, New York 6 $ 1,510,000 $ 251,666 $ 155,000
Mecklenburg, North Carolina 6 $ 2,120,000 $ 353,333 $ 196,000
Allegheny, Pennsylvania 6 $ 1,010,000 $ 168,333 $ 117,000
Charleston, South Carolina 6 $ 4,580,000 $ 763,333 $ 381,000
Greenville, South Carolina 6 $ 1,120,000 $ 186,666 $ 219,000
Collin, Texas 6 $ 2,570,000 $ 428,333 $ 176,000
Tarrant, Texas 6 $ 2,590,000 $ 431,666 $ 297,000
Pierce, Washington 6 $ 3,150,000 $ 525,000 $ 210,000
Yavapai, Arizona 5 $ 1,385,000 $ 277,000 $ 88,000
Benton, Arkansas 5 $ 1,495,000 $ 299,000 $ 131,000
Solano, California 5 $ 1,835,000 $ 367,000 $ 105,000
Sonoma, California 5 $ 3,555,000 $ 711,000 $ 239,000
Stanislaus, California 5 $ 1,735,000 $ 347,000 $ 179,000
Douglas, Colorado 5 $ 2,335,000 $ 467,000 $ 147,000
Hartford, Connecticut 5 $ 15,095,000 $ 3,019,000 $ 129,000
Orange, Florida 5 $ 9,585,000 $ 1,917,000 $ 138,000
Sarasota, Florida 5 $ 1,755,000 $ 351,000 $ 191,000
Henry, Georgia 5 $ 945,000 $ 189,000 $ 125,000
Kane, Illinois 5 $ 1,575,000 $ 315,000 $ 178,000
Will, Illinois 5 $ 1,055,000 $ 211,000 $ 114,000
Baltimore City, Maryland 5 $ 705,000 $ 141,000 $ 156,000
Onondaga, New York 5 $ 825,000 $ 165,000 $ 162,000
Orange, New York 5 $ 1,685,000 $ 337,000 $ 146,000
Summit, Ohio 5 $ 505,000 $ 101,000 $ 185,000
Providence, Rhode Island 5 $ 2,275,000 $ 455,000 $ 297,000
Beaufort, South Carolina 5 $ 5,275,000 $ 1,055,000 $ 349,000
Davidson, Tennessee 5 $ 2,495,000 $ 499,000 $ 537,000
Chesterfield, Virginia 5 $ 1,725,000 $ 345,000 $ 197,000
Teton, Wyoming 5 $ 3,545,000 $ 709,000 $ 246,000
Baldwin, Alabama 4 $ 1,060,000 $ 265,000 $ 106,000
Pima, Arizona 4 $ 1,260,000 $ 315,000 $ 147,000
Marin, California 4 $ 6,990,000 $ 1,747,500 $ 585,000
Merced, California 4 $ 970,000 $ 242,500 $ 83,000
Nevada, California 4 $ 1,150,000 $ 287,500 $ 131,000
San Benito, California 4 $ 3,000,000 $ 750,000 $ 565,000
San Luis Obispo, California 4 $ 2,850,000 $ 712,500 $ 397,000
Adams, Colorado 4 $ 1,970,000 $ 492,500 $ 92,000
Bay, Florida 4 $ 1,180,000 $ 295,000 $ 130,000
Charlotte, Florida 4 $ 1,170,000 $ 292,500 $ 195,000
Manatee, Florida 4 $ 2,120,000 $ 530,000 $ 346,000
Polk, Florida 4 $ 930,000 $ 232,500 $ 154,000
Bibb, Georgia 4 $ 940,000 $ 235,000 $ 1,067,000
Forsyth, Georgia 4 $ 2,620,000 $ 655,000 $ 191,000
Muscogee, Georgia 4 $ 680,000 $ 170,000 $ 94,000
Blaine, Idaho 4 $ 3,770,000 $ 942,500 $ 110,000
Kootenai, Idaho 4 $ 2,700,000 $ 675,000 $ 213,000
Winnebago, Illinois 4 $ 810,000 $ 202,500 $ 149,000
Hamilton, Indiana 4 $ 2,030,000 $ 507,500 $ 168,000
Montgomery, Maryland 4 $ 2,510,000 $ 627,500 $ 218,000
Middlesex, Massachusetts 4 $ 3,400,000 $ 850,000 $ 384,000
Suffolk, Massachusetts 4 $ 2,310,000 $ 577,500 $ 323,000
Oakland, Michigan 4 $ 480,000 $ 120,000 $ 114,000
Dakota, Minnesota 4 $ 780,000 $ 195,000 $ 119,000
St. Charles, Missouri 4 $ 1,150,000 $ 287,500 $ 130,000
St. Louis, Missouri 4 $ 800,000 $ 200,000 $ 145,000
Douglas, Nebraska 4 $ 2,170,000 $ 542,500 $ 68,000
Atlantic, New Jersey 4 $ 2,020,000 $ 505,000 $ 288,000
Essex, New Jersey 4 $ 3,140,000 $ 785,000 $ 383,000
Union, New Jersey 4 $ 1,750,000 $ 437,500 $ 110,000
Bernalillo, New Mexico 4 $ 1,240,000 $ 310,000 $ 53,000
Monroe, New York 4 $ 340,000 $ 85,000 $ 140,000
Guilford, North Carolina 4 $ 3,370,000 $ 842,500 $ 379,000
Iredell, North Carolina 4 $ 2,360,000 $ 590,000 $ 247,000
Hamilton, Ohio 4 $ 1,270,000 $ 317,500 $ 89,000
Clackamas, Oregon 4 $ 6,590,000 $ 1,647,500 $ 136,000
Lane, Oregon 4 $ 1,120,000 $ 280,000 $ 249,000
Multnomah, Oregon 4 $ 1,910,000 $ 477,500 $ 191,000
Lehigh, Pennsylvania 4 $ 1,690,000 $ 422,500 $ 469,000
Montgomery, Pennsylvania 4 $ 1,140,000 $ 285,000 $ 153,000
Washington, Pennsylvania 4 $ 420,000 $ 105,000 $ 67,000
Williamson, Tennessee 4 $ 4,180,000 $ 1,045,000 $ 215,000
El Paso, Texas 4 $ 1,650,000 $ 412,500 $ 388,000
Fort Bend, Texas 4 $ 1,810,000 $ 452,500 $ 236,000
Salt Lake, Utah 4 $ 4,490,000 $ 1,122,500 $ 114,000
Montgomery, Virginia 4 $ 590,000 $ 147,500 $ 73,000
Prince William, Virginia 4 $ 1,160,000 $ 290,000 $ 84,000
Richmond City, Virginia 4 $ 1,350,000 $ 337,500 $ 160,000
Thurston, Washington 4 $ 1,820,000 $ 455,000 $ 149,000
Jefferson, Alabama 3 $ 265,000 $ 88,333 $ 85,000
Mohave, Arizona 3 $ 595,000 $ 198,333 $ 31,000
Mississippi, Arkansas 3 $ 215,000 $ 71,666 $ 123,000
Pulaski, Arkansas 3 $ 395,000 $ 131,666 $ 119,000
San Joaquin, California 3 $ 785,000 $ 261,666 $ 101,000
Arapahoe, Colorado 3 $ 1,985,000 $ 661,666 $ 251,000
Denver, Colorado 3 $ 765,000 $ 255,000 $ 204,000
Middlesex, Connecticut 3 $ 2,635,000 $ 878,333 $ 897,000
Lake, Florida 3 $ 1,385,000 $ 461,666 $ 174,000
Lee, Florida 3 $ 1,205,000 $ 401,666 $ 203,000
Okaloosa, Florida 3 $ 805,000 $ 268,333 $ 82,000
Seminole, Florida 3 $ 1,255,000 $ 418,333 $ 160,000
Chatham, Georgia 3 $ 1,245,000 $ 415,000 $ 165,000
Fannin, Georgia 3 $ 1,245,000 $ 415,000 $ 6,488,000
Honolulu, Hawaii 3 $ 3,255,000 $ 1,085,000 $ 331,000
St. Clair, Illinois 3 $ 165,000 $ 55,000 $ 110,000
Dallas, Iowa 3 $ 955,000 $ 318,333 $ 132,000
Cumberland, Maine 3 $ 2,965,000 $ 988,333 $ 316,000
York, Maine 3 $ 1,565,000 $ 521,666 $ 1,237,000
Barnstable, Massachusetts 3 $ 1,205,000 $ 401,666 $ 121,000
Hinds, Mississippi 3 $ 345,000 $ 115,000 $ 247,000
Jasper, Missouri 3 $ 625,000 $ 208,333 $ 203,000
St. Louis City, Missouri 3 $ 1,375,000 $ 458,333 $ 385,000
Burlington, New Jersey 3 $ 1,005,000 $ 335,000 $ 186,000
Hudson, New Jersey 3 $ 1,265,000 $ 421,666 $ 165,000
Mercer, New Jersey 3 $ 925,000 $ 308,333 $ 242,000
Middlesex, New Jersey 3 $ 2,625,000 $ 875,000 $ 239,000
Ocean, New Jersey 3 $ 1,495,000 $ 498,333 $ 557,000
Otero, New Mexico 3 $ 615,000 $ 205,000 $ 89,000
Dutchess, New York 3 $ 1,515,000 $ 505,000 $ 175,000
Sullivan, New York 3 $ 625,000 $ 208,333 $ 106,000
Buncombe, North Carolina 3 $ 1,525,000 $ 508,333 $ 105,000
Pender, North Carolina 3 $ 3,355,000 $ 1,118,333 $ 317,000
Union, North Carolina 3 $ 1,675,000 $ 558,333 $ 185,000
Delaware, Ohio 3 $ 1,385,000 $ 461,666 $ 108,000
Deschutes, Oregon 3 $ 5,615,000 $ 1,871,666 $ 378,000
Delaware, Pennsylvania 3 $ 275,000 $ 91,666 $ 111,000
Lexington, South Carolina 3 $ 605,000 $ 201,666 $ 90,000
Spartanburg, South Carolina 3 $ 495,000 $ 165,000 $ 46,000
Knox, Tennessee 3 $ 765,000 $ 255,000 $ 208,000
Maury, Tennessee 3 $ 1,135,000 $ 378,333 $ 162,000
Brazoria, Texas 3 $ 435,000 $ 145,000 $ 114,000
Ellis, Texas 3 $ 965,000 $ 321,666 $ 219,000
Galveston, Texas 3 $ 545,000 $ 181,666 $ 160,000
Kaufman, Texas 3 $ 605,000 $ 201,666 $ 63,000
Davis, Utah 3 $ 1,385,000 $ 461,666 $ 228,000
Washington, Utah 3 $ 2,795,000 $ 931,666 $ 1,277,000
Windham, Vermont 3 $ 635,000 $ 211,666 $ 200,000
Isle of Wight, Virginia 3 $ 985,000 $ 328,333 $ 224,000
Clark, Washington 3 $ 1,265,000 $ 421,666 $ 97,000
Island, Washington 3 $ 1,535,000 $ 511,666 $ 238,000
Stevens, Washington 3 $ 1,145,000 $ 381,666 $ 109,000
Jefferson, West Virginia 3 $ 335,000 $ 111,666 $ 58,000
Racine, Wisconsin 3 $ 805,000 $ 268,333 $ 83,000
Mobile, Alabama 2 $ 360,000 $ 180,000 $ 180,000
Montgomery, Alabama 2 $ 250,000 $ 125,000 $ 122,000
Morgan, Alabama 2 $ 470,000 $ 235,000 $ 405,000
Shelby, Alabama 2 $ 500,000 $ 250,000 $ 224,000
Juneau, Alaska 2 $ 870,000 $ 435,000 $ 285,000
Gila, Arizona 2 $ 810,000 $ 405,000 $ 158,000
Pinal, Arizona 2 $ 590,000 $ 295,000 $ 339,000
Garland, Arkansas 2 $ 470,000 $ 235,000 $ 132,000
Kern, California 2 $ 380,000 $ 190,000 $ 111,000
Napa, California 2 $ 5,160,000 $ 2,580,000 $ 2,076,000
Tulare, California 2 $ 480,000 $ 240,000 $ 72,000
Broomfield, Colorado 2 $ 570,000 $ 285,000 $ 143,000
El Paso, Colorado 2 $ 360,000 $ 180,000 $ 164,000
Elbert, Colorado 2 $ 2,610,000 $ 1,305,000 $ 345,000
Garfield, Colorado 2 $ 710,000 $ 355,000 $ 171,000
Grand, Colorado 2 $ 1,510,000 $ 755,000 $ 301,000
La Plata, Colorado 2 $ 1,010,000 $ 505,000 $ 121,000
Las Animas, Colorado 2 $ 670,000 $ 335,000 $ 85,000
Pueblo, Colorado 2 $ 860,000 $ 430,000 $ 156,000
Summit, Colorado 2 $ 6,580,000 $ 3,290,000 $ 3,305,000
Weld, Colorado 2 $ 450,000 $ 225,000 $ 66,000
New Castle, Delaware 2 $ 740,000 $ 370,000 $ 206,000
Sussex, Delaware 2 $ 600,000 $ 300,000 $ 86,000
Alachua, Florida 2 $ 320,000 $ 160,000 $ 263,000
Citrus, Florida 2 $ 750,000 $ 375,000 $ 201,000
Clay, Florida 2 $ 510,000 $ 255,000 $ 111,000
Flagler, Florida 2 $ 710,000 $ 355,000 $ 96,000
Leon, Florida 2 $ 460,000 $ 230,000 $ 80,000
Marion, Florida 2 $ 1,640,000 $ 820,000 $ 861,000
Martin, Florida 2 $ 540,000 $ 270,000 $ 37,000
St. Johns, Florida 2 $ 1,230,000 $ 615,000 $ 787,000
St. Lucie, Florida 2 $ 360,000 $ 180,000 $ 3,660,000
Barrow, Georgia 2 $ 160,000 $ 80,000 $ 75,000
Carroll, Georgia 2 $ 390,000 $ 195,000 $ 151,000
Houston, Georgia 2 $ 260,000 $ 130,000 $ 34,000
Kauai, Hawaii 2 $ 6,220,000 $ 3,110,000 $ 250,000
Ada, Idaho 2 $ 350,000 $ 175,000 $ 128,000
Fremont, Idaho 2 $ 250,000 $ 125,000 $ 44,000
Lake, Illinois 2 $ 750,000 $ 375,000 $ 50,000
Hendricks, Indiana 2 $ 820,000 $ 410,000 $ 125,000
Lake, Indiana 2 $ 350,000 $ 175,000 $ 40,000
LaPorte, Indiana 2 $ 810,000 $ 405,000 $ 145,000
St. Joseph, Indiana 2 $ 400,000 $ 200,000 $ 98,000
Johnson, Kansas 2 $ 270,000 $ 135,000 $ 104,000
Leavenworth, Kansas 2 $ 480,000 $ 240,000 $ 77,000
Sedgwick, Kansas 2 $ 290,000 $ 145,000 $ 145,000
Shawnee, Kansas 2 $ 130,000 $ 65,000 $ 48,000
Boone, Kentucky 2 $ 200,000 $ 100,000 $ 251,000
Jefferson, Kentucky 2 $ 330,000 $ 165,000 $ 126,000
St. Bernard, Louisiana 2 $ 200,000 $ 100,000 $ 204,000
St. Tammany, Louisiana 2 $ 280,000 $ 140,000 $ 42,000
Anne Arundel, Maryland 2 $ 730,000 $ 365,000 $ 104,000
Bristol, Massachusetts 2 $ 530,000 $ 265,000 $ 101,000
Hampden, Massachusetts 2 $ 420,000 $ 210,000 $ 179,000
Norfolk, Massachusetts 2 $ 1,130,000 $ 565,000 $ 286,000
Charlevoix, Michigan 2 $ 6,510,000 $ 3,255,000 $ 1,545,000
Kent, Michigan 2 $ 420,000 $ 210,000 $ 160,000
Macomb, Michigan 2 $ 590,000 $ 295,000 $ 124,000
Ottawa, Michigan 2 $ 370,000 $ 185,000 $ 46,000
Wayne, Michigan 2 $ 520,000 $ 260,000 $ 83,000
Nicollet, Minnesota 2 $ 500,000 $ 250,000 $ 73,000
Flathead, Montana 2 $ 730,000 $ 365,000 $ 150,000
Yellowstone, Montana 2 $ 540,000 $ 270,000 $ 169,000
Scotts Bluff, Nebraska 2 $ 250,000 $ 125,000 $ 48,000
Lyon, Nevada 2 $ 570,000 $ 285,000 $ 65,000
Hillsborough, New Hampshire 2 $ 780,000 $ 390,000 $ 82,000
Passaic, New Jersey 2 $ 510,000 $ 255,000 $ 176,000
Sandoval, New Mexico 2 $ 400,000 $ 200,000 $ 280,000
Albany, New York 2 $ 920,000 $ 460,000 $ 71,000
Greene, New York 2 $ 490,000 $ 245,000 $ 230,000
Alamance, North Carolina 2 $ 600,000 $ 300,000 $ 64,000
Brunswick, North Carolina 2 $ 290,000 $ 145,000 $ 115,000
Cabarrus, North Carolina 2 $ 1,000,000 $ 500,000 $ 134,000
Cleveland, North Carolina 2 $ 320,000 $ 160,000 $ 152,000
Cumberland, North Carolina 2 $ 390,000 $ 195,000 $ 33,000
Currituck, North Carolina 2 $ 840,000 $ 420,000 $ 313,000
Johnston, North Carolina 2 $ 830,000 $ 415,000 $ 239,000
Moore, North Carolina 2 $ 480,000 $ 240,000 $ 99,000
New Hanover, North Carolina 2 $ 490,000 $ 245,000 $ 95,000
Pitt, North Carolina 2 $ 350,000 $ 175,000 $ 112,000
Rowan, North Carolina 2 $ 1,100,000 $ 550,000 $ 13,000
Watauga, North Carolina 2 $ 1,040,000 $ 520,000 $ 1,026,000
Fairfield, Ohio 2 $ 310,000 $ 155,000 $ 104,000
Licking, Ohio 2 $ 410,000 $ 205,000 $ 137,000
Lucas, Ohio 2 $ 260,000 $ 130,000 $ 179,000
Rogers, Oklahoma 2 $ 500,000 $ 250,000 $ 54,000
Jackson, Oregon 2 $ 2,050,000 $ 1,025,000 $ 182,000
Washington, Oregon 2 $ 590,000 $ 295,000 $ 24,000
Berks, Pennsylvania 2 $ 480,000 $ 240,000 $ 108,000
Centre, Pennsylvania 2 $ 960,000 $ 480,000 $ 833,000
Wayne, Pennsylvania 2 $ 350,000 $ 175,000 $ 174,000
Kent, Rhode Island 2 $ 910,000 $ 455,000 $ 334,000
Pickens, South Carolina 2 $ 350,000 $ 175,000 $ 70,000
York, South Carolina 2 $ 370,000 $ 185,000 $ 180,000
Blount, Tennessee 2 $ 570,000 $ 285,000 $ 183,000
Hamilton, Tennessee 2 $ 670,000 $ 335,000 $ 167,000
Putnam, Tennessee 2 $ 330,000 $ 165,000 $ 141,000
Hays, Texas 2 $ 1,080,000 $ 540,000 $ 176,000
Hidalgo, Texas 2 $ 370,000 $ 185,000 $ 110,000
Hunt, Texas 2 $ 520,000 $ 260,000 $ 71,000
Jefferson, Texas 2 $ 210,000 $ 105,000 $ 131,000
Sabine, Texas 2 $ 450,000 $ 225,000 $ 213,000
Taylor, Texas 2 $ 280,000 $ 140,000 $ 194,000
Trinity, Texas 2 $ 130,000 $ 65,000 $ 78,000
Summit, Utah 2 $ 5,510,000 $ 2,755,000 $ 619,000
Utah, Utah 2 $ 1,330,000 $ 665,000 $ 150,000
Weber, Utah 2 $ 5,160,000 $ 2,580,000 $ 235,000
Bennington, Vermont 2 $ 370,000 $ 185,000 $ 153,000
Orange, Vermont 2 $ 360,000 $ 180,000 $ 94,000
Loudoun, Virginia 2 $ 1,610,000 $ 805,000 $ 327,000
Norfolk, Virginia 2 $ 350,000 $ 175,000 $ 110,000
Spotsylvania, Virginia 2 $ 400,000 $ 200,000 $ 130,000
Yakima, Washington 2 $ 460,000 $ 230,000 $ 63,000
Calumet, Wisconsin 2 $ 810,000 $ 405,000 $ 187,000
Dane, Wisconsin 2 $ 600,000 $ 300,000 $ 127,000
Washington, Wisconsin 2 $ 900,000 $ 450,000 $ 142,000
Waukesha, Wisconsin 2 $ 570,000 $ 285,000 $ 112,000
Natrona, Wyoming 2 $ 370,000 $ 185,000 $ 112,000
Cullman, Alabama 1 $ 65,000 $ 65,000 $ 150,000
Dale, Alabama 1 $ 85,000 $ 85,000 $ 101,000
Lee, Alabama 1 $ 185,000 $ 185,000 $ 168,000
Pike, Alabama 1 $ 145,000 $ 145,000 $ 70,000
Winston, Alabama 1 $ 375,000 $ 375,000 $ 246,000
Fairbanks North Star, Alaska 1 $ 165,000 $ 165,000 $ 52,000
Coconino, Arizona 1 $ 725,000 $ 725,000 $ 940,000
Hot Spring, Arkansas 1 $ 55,000 $ 55,000 $ 75,000
Ouachita, Arkansas 1 $ 105,000 $ 105,000 $ 48,000
Butte, California 1 $ 215,000 $ 215,000 $ 85,000
Calaveras, California 1 $ 185,000 $ 185,000 $ 210,000
El Dorado, California 1 $ 415,000 $ 415,000 $ 200,000
Kings, California 1 $ 155,000 $ 155,000 $ 97,000
Madera, California 1 $ 995,000 $ 995,000 $ 2,716,000
Tehama, California 1 $ 195,000 $ 195,000 $ 176,000
Yolo, California 1 $ 1,605,000 $ 1,605,000 $ 1,200,000
Boulder, Colorado 1 $ 155,000 $ 155,000 $ 57,000
Eagle, Colorado 1 $ 4,675,000 $ 4,675,000 $ 6,285,000
Gunnison, Colorado 1 $ 1,105,000 $ 1,105,000 $ 0
Larimer, Colorado 1 $ 1,105,000 $ 1,105,000 $ 1,003,000
Mesa, Colorado 1 $ 335,000 $ 335,000 $ 69,000
Pitkin, Colorado 1 $ 6,505,000 $ 6,505,000 $ 4,800,000
New Haven, Connecticut 1 $ 305,000 $ 305,000 $ 111,000
New London, Connecticut 1 $ 225,000 $ 225,000 $ 90,000
Escambia, Florida 1 $ 125,000 $ 125,000 $ 207,000
Gilchrist, Florida 1 $ 165,000 $ 165,000 $ 38,000
Gulf, Florida 1 $ 315,000 $ 315,000 $ 81,000
Hardee, Florida 1 $ 345,000 $ 345,000 $ 77,000
Hernando, Florida 1 $ 345,000 $ 345,000 $ 256,000
Indian River, Florida 1 $ 125,000 $ 125,000 $ 500,000
Jefferson, Florida 1 $ 345,000 $ 345,000 $ 113,000
Levy, Florida 1 $ 365,000 $ 365,000 $ 439,000
Nassau, Florida 1 $ 335,000 $ 335,000 $ 78,000
Osceola, Florida 1 $ 175,000 $ 175,000 $ 269,000
Union, Florida 1 $ 55,000 $ 55,000 $ 77,000
Volusia, Florida 1 $ 195,000 $ 195,000 $ 43,000
Bartow, Georgia 1 $ 585,000 $ 585,000 $ 30,000
Bryan, Georgia 1 $ 975,000 $ 975,000 $ 426,000
Cherokee, Georgia 1 $ 215,000 $ 215,000 $ 187,000
Dougherty, Georgia 1 $ 65,000 $ 65,000 $ 235,000
Floyd, Georgia 1 $ 115,000 $ 115,000 $ 99,000
Franklin, Georgia 1 $ 165,000 $ 165,000 $ 58,000
Gilmer, Georgia 1 $ 685,000 $ 685,000 $ 135,000
Paulding, Georgia 1 $ 325,000 $ 325,000 $ 130,000
Richmond, Georgia 1 $ 205,000 $ 205,000 $ 80,000
Toombs, Georgia 1 $ 235,000 $ 235,000 $ 215,000
Walton, Georgia 1 $ 185,000 $ 185,000 $ 115,000
Bannock, Idaho 1 $ 255,000 $ 255,000 $ 0
Twin Falls, Idaho 1 $ 225,000 $ 225,000 $ 97,000
DeKalb, Illinois 1 $ 365,000 $ 365,000 $ 160,000
Johnson, Illinois 1 $ 205,000 $ 205,000 $ 0
Kendall, Illinois 1 $ 385,000 $ 385,000 $ 163,000
Knox, Illinois 1 $ 135,000 $ 135,000 $ 317,000
Madison, Illinois 1 $ 585,000 $ 585,000 $ 250,000
McHenry, Illinois 1 $ 375,000 $ 375,000 $ 149,000
Monroe, Illinois 1 $ 305,000 $ 305,000 $ 328,000
Rock Island, Illinois 1 $ 145,000 $ 145,000 $ 52,000
Tazewell, Illinois 1 $ 55,000 $ 55,000 $ 27,000
Woodford, Illinois 1 $ 65,000 $ 65,000 $ 55,000
Allen, Indiana 1 $ 165,000 $ 165,000 $ 38,000
Elkhart, Indiana 1 $ 215,000 $ 215,000 $ 24,000
Gibson, Indiana 1 $ 75,000 $ 75,000 $ 52,000
Hancock, Indiana 1 $ 85,000 $ 85,000 $ 65,000
Marshall, Indiana 1 $ 95,000 $ 95,000 $ 105,000
Porter, Indiana 1 $ 155,000 $ 155,000 $ 82,000
Appanoose, Iowa 1 $ 315,000 $ 315,000 $ 188,000
Delaware, Iowa 1 $ 105,000 $ 105,000 $ 20,000
Johnson, Iowa 1 $ 285,000 $ 285,000 $ 70,000
Linn, Iowa 1 $ 165,000 $ 165,000 $ 0
Union, Iowa 1 $ 65,000 $ 65,000 $ 72,000
Barton, Kansas 1 $ 235,000 $ 235,000 $ 84,000
Cowley, Kansas 1 $ 165,000 $ 165,000 $ 75,000
Douglas, Kansas 1 $ 205,000 $ 205,000 $ 171,000
Sherman, Kansas 1 $ 115,000 $ 115,000 $ 38,000
Clark, Kentucky 1 $ 75,000 $ 75,000 $ 316,000
Fayette, Kentucky 1 $ 55,000 $ 55,000 $ 55,000
Grant, Kentucky 1 $ 185,000 $ 185,000 $ 622,000
Oldham, Kentucky 1 $ 605,000 $ 605,000 $ 250,000
De Soto, Louisiana 1 $ 115,000 $ 115,000 $ 39,000
Jefferson, Louisiana 1 $ 555,000 $ 555,000 $ 200,000
Jefferson Davis, Louisiana 1 $ 95,000 $ 95,000 $ 38,000
Lafourche, Louisiana 1 $ 235,000 $ 235,000 $ 202,000
Orleans, Louisiana 1 $ 115,000 $ 115,000 $ 0
Tangipahoa, Louisiana 1 $ 75,000 $ 75,000 $ 13,000
West Baton Rouge, Louisiana 1 $ 115,000 $ 115,000 $ 151,000
Knox, Maine 1 $ 425,000 $ 425,000 $ 0
Oxford, Maine 1 $ 105,000 $ 105,000 $ 176,000
Penobscot, Maine 1 $ 165,000 $ 165,000 $ 740,000
Baltimore, Maryland 1 $ 485,000 $ 485,000 $ 100,000
Cecil, Maryland 1 $ 105,000 $ 105,000 $ 46,000
Frederick, Maryland 1 $ 355,000 $ 355,000 $ 209,000
Washington, Maryland 1 $ 185,000 $ 185,000 $ 46,000
Wicomico, Maryland 1 $ 155,000 $ 155,000 $ 159,000
Nantucket, Massachusetts 1 $ 1,505,000 $ 1,505,000 $ 0
Plymouth, Massachusetts 1 $ 495,000 $ 495,000 $ 325,000
Worcester, Massachusetts 1 $ 195,000 $ 195,000 $ 92,000
Allegan, Michigan 1 $ 285,000 $ 285,000 $ 148,000
Branch, Michigan 1 $ 115,000 $ 115,000 $ 48,000
Cheboygan, Michigan 1 $ 405,000 $ 405,000 $ 93,000
Genesee, Michigan 1 $ 165,000 $ 165,000 $ 86,000
Kalamazoo, Michigan 1 $ 85,000 $ 85,000 $ 113,000
Muskegon, Michigan 1 $ 105,000 $ 105,000 $ 61,000
Anoka, Minnesota 1 $ 565,000 $ 565,000 $ 289,000
Clay, Minnesota 1 $ 105,000 $ 105,000 $ 123,000
Hennepin, Minnesota 1 $ 725,000 $ 725,000 $ 360,000
Lyon, Minnesota 1 $ 85,000 $ 85,000 $ 49,000
Steele, Minnesota 1 $ 185,000 $ 185,000 $ 108,000
Adams, Mississippi 1 $ 105,000 $ 105,000 $ 66,000
Hancock, Mississippi 1 $ 185,000 $ 185,000 $ 127,000
Harrison, Mississippi 1 $ 95,000 $ 95,000 $ 106,000
Jackson, Mississippi 1 $ 255,000 $ 255,000 $ 61,000
Lafayette, Mississippi 1 $ 315,000 $ 315,000 $ 180,000
Madison, Mississippi 1 $ 215,000 $ 215,000 $ 117,000
Marion, Mississippi 1 $ 125,000 $ 125,000 $ 75,000
Christian, Missouri 1 $ 135,000 $ 135,000 $ 82,000
Clay, Missouri 1 $ 315,000 $ 315,000 $ 170,000
Greene, Missouri 1 $ 255,000 $ 255,000 $ 172,000
Jefferson, Missouri 1 $ 435,000 $ 435,000 $ 132,000
Lawrence, Missouri 1 $ 115,000 $ 115,000 $ 50,000
Cascade, Montana 1 $ 135,000 $ 135,000 $ 31,000
Chouteau, Montana 1 $ 145,000 $ 145,000 $ 34,000
Sanders, Montana 1 $ 285,000 $ 285,000 $ 82,000
Douglas, Nevada 1 $ 5,005,000 $ 5,005,000 $ 1,626,000
Nye, Nevada 1 $ 115,000 $ 115,000 $ 125,000
Camden, New Jersey 1 $ 225,000 $ 225,000 $ 142,000
Cape May, New Jersey 1 $ 6,605,000 $ 6,605,000 $ 15,000
Cumberland, New Jersey 1 $ 165,000 $ 165,000 $ 145,000
Gloucester, New Jersey 1 $ 155,000 $ 155,000 $ 2,000
Morris, New Jersey 1 $ 55,000 $ 55,000 $ 106,000
Dona Ana, New Mexico 1 $ 115,000 $ 115,000 $ 94,000
Eddy, New Mexico 1 $ 195,000 $ 195,000 $ 200,000
Lea, New Mexico 1 $ 135,000 $ 135,000 $ 150,000
Taos, New Mexico 1 $ 385,000 $ 385,000 $ 744,000
Cayuga, New York 1 $ 175,000 $ 175,000 $ 79,000
Columbia, New York 1 $ 445,000 $ 445,000 $ 96,000
Cortland, New York 1 $ 325,000 $ 325,000 $ 160,000
Oneida, New York 1 $ 305,000 $ 305,000 $ 187,000
Ontario, New York 1 $ 45,000 $ 45,000 $ 65,000
Schenectady, New York 1 $ 385,000 $ 385,000 $ 130,000
Steuben, New York 1 $ 55,000 $ 55,000 $ 40,000
Ulster, New York 1 $ 505,000 $ 505,000 $ 30,000
Wayne, New York 1 $ 145,000 $ 145,000 $ 27,000
Avery, North Carolina 1 $ 275,000 $ 275,000 $ 88,000
Carteret, North Carolina 1 $ 295,000 $ 295,000 $ 225,000
Catawba, North Carolina 1 $ 275,000 $ 275,000 $ 62,000
Clay, North Carolina 1 $ 685,000 $ 685,000 $ 127,000
Craven, North Carolina 1 $ 145,000 $ 145,000 $ 54,000
Forsyth, North Carolina 1 $ 95,000 $ 95,000 $ 131,000
Franklin, North Carolina 1 $ 365,000 $ 365,000 $ 196,000
Gaston, North Carolina 1 $ 125,000 $ 125,000 $ 56,000
Haywood, North Carolina 1 $ 405,000 $ 405,000 $ 100,000
Henderson, North Carolina 1 $ 435,000 $ 435,000 $ 264,000
Lenoir, North Carolina 1 $ 215,000 $ 215,000 $ 2,000
Macon, North Carolina 1 $ 75,000 $ 75,000 $ 78,000
Perquimans, North Carolina 1 $ 55,000 $ 55,000 $ 37,000
Morton, North Dakota 1 $ 355,000 $ 355,000 $ 120,000
Allen, Ohio 1 $ 305,000 $ 305,000 $ 0
Athens, Ohio 1 $ 205,000 $ 205,000 $ 36,000
Butler, Ohio 1 $ 165,000 $ 165,000 $ 83,000
Clinton, Ohio 1 $ 285,000 $ 285,000 $ 76,000
Erie, Ohio 1 $ 155,000 $ 155,000 $ 92,000
Hocking, Ohio 1 $ 275,000 $ 275,000 $ 383,000
Lake, Ohio 1 $ 175,000 $ 175,000 $ 88,000
Montgomery, Ohio 1 $ 145,000 $ 145,000 $ 220,000
Union, Ohio 1 $ 595,000 $ 595,000 $ 325,000
Van Wert, Ohio 1 $ 195,000 $ 195,000 $ 194,000
Wayne, Ohio 1 $ 145,000 $ 145,000 $ 22,000
Bryan, Oklahoma 1 $ 105,000 $ 105,000 $ 239,000
Garfield, Oklahoma 1 $ 105,000 $ 105,000 $ 141,000
Le Flore, Oklahoma 1 $ 145,000 $ 145,000 $ 131,000
McCurtain, Oklahoma 1 $ 415,000 $ 415,000 $ 172,000
Osage, Oklahoma 1 $ 135,000 $ 135,000 $ 122,000
Pittsburg, Oklahoma 1 $ 85,000 $ 85,000 $ 75,000
Sequoyah, Oklahoma 1 $ 255,000 $ 255,000 $ 75,000
Tulsa, Oklahoma 1 $ 175,000 $ 175,000 $ 300,000
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Mortgage Loan Application Detail Totals for Axos Bank in 2023

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 1,302 $1,682,110,000 $1,291,000 $97,005,000 $480,000 $9,733,000
Cash-out Refinancing 926 $1,547,265,000 $1,672,000 $75,835,000 $376,000 $7,010,000
Refinancing 321 $605,485,000 $1,886,000 $22,465,000 $484,000 $9,720,000
Other Purpose 163 $119,705,000 $734,000 $10,005,000 $449,000 $9,841,000
Home Improvement 67 $108,065,000 $1,612,000 $54,005,000 $459,000 $2,716,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 1,148 $1,676,590,000 $1,460,000 $40,005,000 $498,000 $9,841,000
Not Provided 854 $1,013,430,000 $1,186,000 $31,005,000 $421,000 $9,720,000
Asian 246 $286,110,000 $1,163,000 $11,445,000 $548,000 $6,054,000
Hispanic 196 $179,970,000 $918,000 $9,865,000 $369,000 $5,111,000
Black or African American 131 $79,565,000 $607,000 $14,685,000 $253,000 $6,253,000
Not applicable 91 $762,260,000 $8,469,000 $97,005,000 $0 $0
American Indian or Alaskan Native 18 $12,540,000 $696,000 $2,325,000 $239,000 $600,000
Native Hawaiian or Other Pacific Islander 3 $865,000 $288,000 $355,000 $116,000 $154,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 2,664 $4,027,755,000 $1,512,000 $97,005,000 $462,000 $9,841,000
FHA-insured (Federal Housing Administration) 98 $28,160,000 $287,000 $745,000 $98,000 $290,000
VA-guaranteed (Veterans Administration) 17 $6,715,000 $395,000 $745,000 $100,000 $204,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 778 $1,009,190,000 $1,297,000 $46,275,000 $494,000 $9,841,000
Application Denied By Financial Institution 637 $1,115,185,000 $1,750,000 $31,005,000 $401,000 $9,733,000
File Closed For Incompleteness 599 $501,855,000 $837,000 $24,005,000 $357,000 $9,733,000
Application Withdrawn By Applicant 527 $760,865,000 $1,443,000 $40,005,000 $634,000 $9,720,000
Preapproval Approved but not Accepted 143 $46,005,000 $321,000 $905,000 $148,000 $544,000
Preapproval Denied by Financial Institution 40 $14,390,000 $359,000 $825,000 $92,000 $232,000
Loan Purchased By The Institution 29 $567,510,000 $20,268,000 $97,005,000 $0 $0
Application Approved But Not Accepted 26 $47,630,000 $1,831,000 $6,005,000 $870,000 $3,347,000

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 2,102 $2,933,055,000 $1,396,000 $97,005,000 $465,000 $9,841,000
Debt-To-Income Ratio 237 $256,295,000 $1,081,000 $25,005,000 $232,000 $6,285,000
Credit History 151 $157,635,000 $1,043,000 $21,305,000 $253,000 $4,501,000
Collateral 115 $265,195,000 $2,306,000 $25,005,000 $1,008,000 $9,733,000
Other 88 $224,170,000 $2,547,000 $31,005,000 $485,000 $6,147,000
Unverifiable Information 57 $189,105,000 $3,317,000 $10,505,000 $283,000 $3,488,000
Insufficient Cash (Downpayment, Closing Cost) 21 $27,685,000 $1,318,000 $9,005,000 $428,000 $2,472,000
Employment History 8 $9,490,000 $1,186,000 $3,705,000 $426,000 $1,925,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Axos Bank's 2023 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Axos Bank's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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