The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (71 → 71).

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in California

Yes. Axos Bank is an FDIC-insured institution (FDIC certificate #35546). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.2% of deposits ($5.3B) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.24%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.10% (benchmark: 10%).

Check how much of your own balance is covered

Axos Bank lists 3 offices in 3 cities across 3 states. Most locations:

• Las Vegas, NV (1)
• San Diego, CA (1)
• Sandy, UT (1)

All branch addresses and map

Over the last three years, the CFPB forwarded 635 consumer complaints about AXOS FINANCIAL, INC. to the company (286 in the last 12 months). 99.4% received a timely response. That is 25.6 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, Axos Bank reported 1,575 home-loan applications under HMDA (LEI 2549009X2AG1P20YAJ63): 658 originated ($1,183,450,000 total), 399 denied, and 501 withdrawn or closed by the applicant. Its denial rate on decided applications was 37.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Axos Bank

Former names

Bank of Internet USA; Bofi Federal Bank

Type

Savings bank

FDIC certificate #

35546

RSSD ID

2917317

Primary regulator

OCC

Holding company

Axos Financial Inc

Established

July 4, 2000

Headquarters

4350 La Jolla Village Dr, San Diego, CA 92122

Website

www.axosbank.com

Employees

1,596