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Axos Bank is a digital lender that operates entirely online and offers a full suite of mortgage products to choose from, but it lacks the in-person support of a traditional bank.
Minimum credit score
Minimum down payment (Conventional)
Available in all states
|Loan products offered||Conventional, Jumbo, FHA, VA, Home Equity/HELOC, Refinance|
|Minimum credit score||Conventional: 620|
|Minimum down payment (Conventional)||3%|
|State availability||Available in all states|
Shannon Terrell is a lead writer and spokesperson at NerdWallet and a former editor at Finder, specializing in personal finance. Her writing and analysis on investing and banking has been featured in Bloomberg, Global News, Yahoo Finance, GoBankingRates and Black Enterprise. She holds a bachelor’s degree in communications and English literature from the University of Toronto Mississauga.
If you’re looking for a fully digital, no-origination-fee lender that offers a range of mortgage options, banking products and 24/7 online tools for managing your loan, Axos Bank might be a good fit. However, if you’d prefer a lender with in-person branches and more personalized service when you need help, you may want to keep comparing lenders.
Axos Bank is not currently available on Finder
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Choose from a variety of home loan programs with the help of a mortgage specialist. Fair credit accepted.
To find out if you meet the full requirements for an Axos Bank home loan based on your unique financial situation, call the company or get preapproved online.
Basic eligibility for a home loan with Axos Bank includes:
Personal and financial details required to apply for a mortgage from Axos Bank include:
Axos Bank charges a $995 origination fee, but this fee can be waived or reduced if you meet certain conditions. Expect to pay about 2% to 5% of your home’s total cost in fees and other closing costs.
To get started:
Axos Bank also offers these specialized types of mortgages:
Compared to other lenders, Axos offers a wide range of mortgage products, including less common mortgages for investors up to $30 million. But the bank comes with some benefits and drawbacks. On the one side, Axos bank offers discounted origination fees with a linked checking account. And on the other, customer service is lacking and there’s no in-person branches you can visit.
Compare top brands by home loan type, state availability and credit score. Select See rates to provide the lender with basic property and financial details for personalized rates.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
As of August 2022, Axos Bank has a 1.07 out of 5 rating on the Better Business Bureau (BBB) website from 92 customers, with 72 complaints registered in the past three years. Axos Bank has been accredited with the BBB since 2011 and has an A+ business rating.
The majority of customer complaints regarding home loans involve poor service from the mortgage department, causing financial and credit-related problems for borrowers.
Founded on July 4, 2000 and headquartered in San Diego, Axos Bank is a 100% digital financial services company. It began as a digital bank, expanding into single-family residential, commercial and industrial lending between 2009 and 2014. The bank offers a solid range of conventional and government-backed loans, as well as non-conforming and super jumbo loans for high-wealth individuals and investors.
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