Axia Financial
We analyzed every closed loan from Axia Financial — 1.5k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
3/5
Near-National · 25 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,403)
Explore another lender or local market
Report Card
Axia Financial performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+41.3 bps above market avg
1/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
881 loans · 0.34% above market
Strong
Top 40% of lenders
4/5
FHA
452 loans · 0.67% above market
Exceptional
Top 20% of lenders
5/5
VA
103 loans · 0.20% below market
Strong
Top 40% of lenders
4/5
Jumbo
16 loans · 0.86% above market
Sound
Top 60% of lenders
3/5
USDA
19 loans · 0.57% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
1,320 loans · 0.42% above market
Strong
Top 40% of lenders
4/5
Refinance
151 loans · 0.32% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 26 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 881 | 59.9% | +0.335%Above | $4,352Fees | ||||
FHA Loans | 452 | 30.7% | +0.674%Above | $4,628Fees | ||||
VA Loans | 103 | 7.0% | -0.204%Below | $3,850Fees | ||||
Jumbo Loans | — | 16 | 1.1% | +0.863%Above | $4,613Fees | |||
USDA Loans | — | 19 | 1.3% | +0.575%Above | $3,368Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume881
Mix59.9%
Spread
+0.335%Above
Fees
$4,352Fees
FHA Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume452
Mix30.7%
Spread
+0.674%Above
Fees
$4,628Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume103
Mix7.0%
Spread
-0.204%Below
Fees
$3,850Fees
Jumbo Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughAcceptable
Volume16
Mix1.1%
Spread
+0.863%Above
Fees
$4,613Fees
USDA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughAcceptable
Volume19
Mix1.3%
Spread
+0.575%Above
Fees
$3,368Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,320 | 89.7% | +0.424%Above | $4,447Fees | ||||
Refinance | 151 | 10.3% | +0.316%Above | $4,024Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume1,320
Mix89.7%
Spread
+0.424%Above
Fees
$4,447Fees
Refinance
OverallAcceptable
ProductStrong
PricingMediocre
Pull ThroughSound
Volume151
Mix10.3%
Spread
+0.316%Above
Fees
$4,024Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,471
Applications
2,010
Volume
$584 million
Pricing & Closing
Avg Rate Spread
+0.413%
vs. market APOR
Avg Net Fees
$4,403
Origination − Credits
Pullthrough Rate
73.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$397,508
Avg Borrower Income
$160,386
Avg Property Value
$510,438
Geographic Coverage
Geographic Performance
Metro Areas
25
markets with activity
States Served
38
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
38Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast3
CTMEPA
Midwest11
IAILINKSMIMNMONDNEOHWI
South14
ALARDEFLGAKYLAMDNCOKSCTNTXVA
West10
AZCACOIDMTNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 25 metro areas
Top States by Place Specialization Score
Showing 10 of 21 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.