Axos Bank
San Diego, CA · What the federal mortgage record shows about how Axos Bank treated New Jersey applicants, 2018–2025 — 372 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 372 New Jersey applications Axos Bank approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.
Approval rate by loan type
“NJ” = the statewide average approval rate for that loan type, for comparison.
Approval rate over time
Pricing
Adjusting for its loan-type mix, Axos Bank’s rates ran +0.14 pp higher than the typical New Jersey lender (average rate spread +0.38 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who Axos Bank approves
Why Axos Bank denied applications
Where Axos Bank lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Bergen County | 53 | 67.9% |
| Monmouth County | 42 | 59.5% |
| Essex County | 38 | 57.9% |
| Hudson County | 32 | 78.1% |
| Middlesex County | 32 | 65.6% |
| Ocean County | 28 | 60.7% |
| Morris County | 27 | 74.1% |
Fees & closing costs
Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Axos Bank’s home-purchase originations — 0.27 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $928. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →
Compare Axos Bank to other lenders for your profile
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Open the approval tool →Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Axos Bank (LEI 2549009X2AG1P20YAJ63). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →