PlainLender

AXIA FINANCIAL LLC

BELLEVUE, WA

AXIA FINANCIAL LLC processed 2,730 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 1,711 loans with a 4.4% denial rate. Home Purchase was the primary loan purpose. Based in BELLEVUE, WA. The approval rate of 62.7% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. AXIA FINANCIAL LLC processed 2,730 HMDA-reported mortgage applications in 2024, originating 1,711 loans and denying 121 for a denial rate of 4.4% (applicants themselves withdrew 356 files before a decision). The average loan amount was $356,659 at a 6.899% average note rate, and applicants self-reported an average income of $40,000. The lender reports under LEI 5493006TY8FGNLX44X28 from BELLEVUE, WA.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. AXIA FINANCIAL LLC's 62.7% origination rate tells you how often an application turned into funded money; the 4.4% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Collateral, Credit history, which together explain the majority of rejections. Most activity concentrated in Conventional loans (1,734 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

2,730
Applications
1,711
Originated
4.4%
Denial Rate
$356,659
Avg Loan Amount
Avg Interest Rate: 6.899% Avg Applicant Income: $40,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 1,734 1,100 67 $365,790
FHA 778 482 43 $325,321
VA 187 110 7 $430,722
USDA 31 19 4 $185,645

Top loan types — AXIA FINANCIAL LLC

Top loan types — AXIA FINANCIAL LLC Horizontal bar chart of the top 4 items by value (applications). Top loan types — AXIA FINANCIAL LLC Top 4 1. Conventional 1,734 2. FHA 778 3. VA 187 4. USDA 31 Top 5 loan types by application volume at AXIA FINANCIAL LLC (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for AXIA FINANCIAL LLC (LEI: 5493006TY8FGNLX44X28) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
43
Collateral
36
Credit history
23
Unverifiable information
16
Insufficient cash
12
Credit application incomplete
11
Other
5
Employment history
3

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 2,414 1,541 $352,987
Refinancing 316 170 $384,715

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 1,910 64.0% 3.7%
Black or African American 157 56.7% 10.8%
Asian 112 66.1% 3.6%
Joint 92 68.5% 1.1%
American Indian or Alaska Native 30 53.3% 10.0%
Native Hawaiian or Other Pacific Islander 12 66.7% 0.0%
2 or more minority races 6 50.0% 16.7%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 1,688 63.0% 3.9%
Hispanic or Latino 443 64.1% 5.4%
Joint 145 63.5% 4.1%

Nearby Lenders in WA

Other HMDA-reporting lenders in WA with similar activity. Compare any two side-by-side.

Coastal Community Bank

Everett, WA

64,233 apps 15,099 originated 1.6% denied

Boeing Employees' Credit Union

Tukwila, WA

21,382 apps 13,093 originated 24.6% denied

EVERGREEN MONEYSOURCE MORTGAGE COMPANY

BELLEVUE, WA

6,824 apps 4,791 originated 3.0% denied

Banner Bank

Walla Walla, WA

6,099 apps 3,140 originated 33.5% denied

WSECU

OLYMPIA, WA

4,133 apps 1,960 originated 42.2% denied
Compare AXIA FINANCIAL LLC vs Coastal Community Bank →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

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Frequently Asked Questions

How many mortgage applications did AXIA FINANCIAL LLC process?
AXIA FINANCIAL LLC processed 2,730 mortgage applications in the 2023 HMDA reporting year. Of these, 1,711 were originated (approved and funded), 356 were withdrawn by the applicant, and 121 were denied.
What is AXIA FINANCIAL LLC's mortgage approval rate?
AXIA FINANCIAL LLC has an approval (origination) rate of 62.7%, meaning 62.7% of all applications resulted in a funded mortgage. The denial rate is 4.4%.
What is the average loan amount at AXIA FINANCIAL LLC?
The average mortgage loan amount at AXIA FINANCIAL LLC is $356,659. The average interest rate is 6.899%. The average applicant income is $40,000.
What are the most common reasons for mortgage denial at AXIA FINANCIAL LLC?
The most common reasons for mortgage denial at AXIA FINANCIAL LLC are: Debt-to-income ratio, Collateral, Credit history. In total, 121 applications were denied out of 2,730 total applications.
What types of mortgage loans does AXIA FINANCIAL LLC offer?
AXIA FINANCIAL LLC processes Conventional, FHA, VA, USDA loans. The most common type is Conventional with 1,734 applications and an average loan amount of $365,790.
What loan purposes does AXIA FINANCIAL LLC serve?
AXIA FINANCIAL LLC serves the following loan purposes: Home Purchase (2,414 applications), Refinancing (316 applications). Home Purchase is the most common purpose.
Where is AXIA FINANCIAL LLC located?
AXIA FINANCIAL LLC is headquartered in BELLEVUE, WA. The lender is identified by LEI 5493006TY8FGNLX44X28 in HMDA data.
How does AXIA FINANCIAL LLC compare in lending across racial demographics?
AXIA FINANCIAL LLC reports demographic lending data under HMDA requirements. White applicants have an approval rate of 64.0% and denial rate of 3.7%; Black or African American applicants have an approval rate of 56.7% and denial rate of 10.8%; Asian applicants have an approval rate of 66.1% and denial rate of 3.6%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.