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Wholesale and Correspondent Portfolio Lending (WCPL)

Yes – a Correspondent customer can be approved for both channels, Wholesale and Correspondent.
  • Wholesale approval allows for both borrower paid and lender paid loan delivery
  • Correspondent approval allows for both borrower and lender paid as well as prior approved Correspondent loan delivery.
Your Axos Bank Account Executive is generally assigned by geographic region. Feel free to reach us at  (888) 585-4869 or [email protected] and we will identify the Account Executive that covers your account territory.
Our lender fees are as follows:
  • Portfolio $1695
  • Correspondents $1,395
  • Foreign National Due Diligence $250
  • Trust Review fee $300
Please see our Wholesale or Correspondent rate sheet for additional items including Appraisal Desk Review, Field Review, and Redraw Loan Documents.
Click on the "Upload a Loan" tab and upload your loan file. Loan file must be a Fannie Mae 3.2, Mismo AUS v2 file, or an IHM file
Please see our Rate Lock Procedure document for details on submitting a rate lock request.
Our minimum requirements are as follows:
  • 1003 Form
  • 1008 Form
  • TPO Submission Fee Sheet
  • Personal Tax Returns - 2 Years
  • W2/1099s - 2 Years
  • Paystubs - Last 30 Days
  • Business Federal Tax Returns
  • K1s - 2 Years
  • Recent Bank Statements - 2 Months
  • Source of Down Payment
  • Purchase Contract
  • Non-resident aliens will require ID
Yes. A loan may be cancelled and/or terminated if the information varies from the original tax return. We may also pull a 4506-T after closing the loan to meet established company quality control standards.
Your loan must fund by the last day of your interest rate lock commitment. If it has not funded by this date, the loan will be subject to relocking and the costs associated with the additional extended lock days requested.
Brokers will need to order an appraisal from one of Axos Bank's approved vendor's appraisal management companies.
Yes. We use various industry-standard fraud checks to insure the integrity of every file. Any fraud found on loan files is taken very seriously. We may also document the fraud issues and report them to the appropriate industry authorities and data tracking mechanisms and/or the FBI’s fraud division.
Yes. We require the appraisal to be ordered through one of our HVCC-compliant vendor's approved appraisal management companies.
Security is a very high priority for us. For more information, we invite you to read Privacy & Security.
We may share your data as noted in our privacy statement.
We will forward a copy of the appraisal to the borrower.
Yes, you will receive an email notification from the approved appraisal management company.
Axos Bank, ISAOA/ATIMA, P.O. Box 5804, Troy, MI 48007-5804
Axos Bank, ISAOA/ATIMA, P.O. Box 5804, Troy, MI 48007-5804
Not a problem! Feel free to reach us at [email protected] or (888) 585-4869.

Financial Advisors

Yes. Because we are a digital bank, you will need a current email address and access to a computer.

When you apply for an account, you will be asked to give your consent to receive communication and information in electronic form. We do not send paper communications.

Because we are a digital bank, we can offer our checking, savings, money market, retirement products, and certificate of deposit products at highly competitive interest rates.

  • Debit or ATM card (if applicable)
  • Checks (if applicable)

A change to your contact details may be completed by logging in to your online banking.

You may report a card lost or stolen by logging into your online banking. Select the "Amounts" tab and choose the account linked to your debit card. Then select the "Debit Card" tab.

You can activate your card, order a replacement card, or report your card lost or stolen from this screen.

You can view statements and tax forms in online banking. Select the "Accounts" tab and choose the account. Then select the “Statements” tab.

This helps us know that your computer has authorized access to your account. You have several options for receiving your access code:

  • SMS (text) message
  • Email

We do not limit the number of funds transfers you may make.

  • Max $45,000.00/day
  • Max $75,000.00/month

You can verify external deposits within online banking, whether you're using a web browser or the mobile app. If you're using a web browser, log in to online banking and select "Accounts." Then select "External Accounts." Select the settings wheel for the account you wish to verify. Enter the two tiny trial deposit amounts and select OK. If you're using the mobile app, log in to online banking, then select "Move $." In the menu bar at the top of the app, select "External Accounts" and then select "Verify Account." Enter the two trial deposit amounts, and select "Verify Account" to confirm.

  1. Make sure you are logged into your online banking dashboard under your own name.
  2. Confirm you have endorsed the back of the check.
  3. Be sure to place the check in the same corner of the scanning machine for both front and back scanning.
  4. It may help to mark dots (about the size of a pencil eraser) on the four corners of the front and back of the check to help the scanner detect the outline of the check.

For a more help, log into your online banking dashboard, click Make a Deposit in the blue bar, then click "HELP."

How do I get the mobile banking app?

  • Apple - Search for “Axos Bank” in the App Store on your mobile device, or download via iTunes®
  • Android - Search for “Axos Bank” in Google Play marketplace

Text message banking makes it easy to access account balances and transactions, as well as transfer funds, right on your mobile phone. It’s the fastest and easiest way to get your account balances – anytime, anywhere.

For more information, log into your online banking dashboard and click on "Account Access" in the blue bar, then click on "Text Banking & Alerts."

The easiest way is to deposit your check with the Axos Bank mobile app* or scan a check via Make a Deposit* if you’re using your computer.* Not available to fund Certificates of Deposit.

You can also:

  • Send a Wire to:
    Axos Bank
    4350 La Jolla Village Drive, Suite 140
    San Diego, CA 92122

    ABA # 122287251
    For the Benefit of: ( Name Here )
    Account number: ( XXX-XXX-XXX )
  • Make an external funds transfer with online banking (Checking & Money Market Savings accounts only)
  • Use ACH: Clients may select the ACH option when opening their new Axos Advisor account. A small dollar transaction will take place to verify accuracy of the information entered prior to finalizing the ACH.
To set up direct deposits or send a wire to your account, use our routing and transit number: 122287251.

Sending a wire out from Axos Advisor

We make it easy for you to wire money from your account. Simply log in to online banking, select "Move Money," and select "Wire Transfers" option.

Wire cut-off times:

Domestic – 1:00 p.m. PT
International – 12:00 p.m. PT

Wiring funds into Axos Advisor

To wire funds into a Axos Advisor account you will need the following information:

  • Axos Bank ABA/Routing Transit Number – 122287251
  • Address: Axos Advisor 4350 La Jolla Village Drive, Suite 140 San Diego, CA 92122

Incoming international wires must be in US dollars. Our intermediary bank information is as follows:

Pacific Coast Bankers' Bank San Francisco, CA 94104

SWIFT Code: PCBBUS66 ABA Number: 121042484

Be sure the wire is to the benefit of your name and your account number at Axos Advisor. Wire cut-off time for same day processing: 1:00 p.m. PT.

We do not limit the number of fund transfers you may make.

Though not as versatile as checking accounts, Axos Bank savings accounts offer several ways to withdraw money. With an Axos Bank savings account, you can:

Transfer funds to another account with Axos Bank or with another financial institution. Log in to online banking and select Move Money. Initiate a wire transfer. Log in to online banking and select "Move Money" and then "Wire Transfers."

Make an ATM withdrawal. To discover where you can make free ATM withdrawals near you using your debit or ATM card, log in to online banking and use our ATM Locator.

Regulation CC requires financial institutions to inform a customer when a check hold has been placed. Axos Advisor may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. The email notice states when the funds will be available. Refer to the Funds Availability Policy.

The hold time is set out in the email notifying you of the hold. Refer to the Funds Availability Policy.

  • For all account types we offer a convenient printable deposit slip – Universal Deposit Slip
  • We offer an online deposit slip and envelope request form for Checking and Savings accounts – Order Deposit Slips and Envelopes
  • Deposit checks with the Axos Bank mobile app or scan a check via Make a Deposit in the online banking dashboard

Axos Advisor will send an initial starter kit of checks free of charge if you order them during the application process. Otherwise, you can re-order checks online using the following directions:

  • Log in to your account
  • In the "Accounts tab," select the account you want to order checks for
  • Select "Details," then "Order Checks"
  • Select "Continue" to navigate to our external check ordering site

Mobile Deposit allows you to deposit checks anytime, anywhere with your smartphone. Best of all, it’s fast, secure, and completely free. To get started:

  • Register for online banking at axosbank.com.
  • Download the Axos Bank mobile app in the App Store or Google Play.
  • Open the app, log in, select Mobile Deposit, and follow the directions to deposit your check.

Dealer Services

That depends. The retail contract program offered by Axos Dealer Services is currently available to franchised and select independent dealerships in Arizona, California, Colorado, Florida, Georgia, Illinois, Nevada, and New Mexico.

However, we are expanding! Give us a call and we will gladly provide more information.
Unfortunately, no. Our focus is prime buyers who:

  • Are well-established
  • Have a solid income and strong credit history
  • Are seeking a payment or deal structure that your traditional finance sources don’t accommodate (i.e. extended terms and strong advances on any year or make of vehicle).
For the most creditworthy buyers, the maximum LTV is 145%. This number will change, depending on creditworthiness and debt serviceability.
We typically funded complete retail contract packages within 24 hours of receipt.
We choose to partner with dealer relationship managers that are located within their assigned market area and can provide a readily available, knowledgeable, and well-informed resource to our clients. We invite you to speak with one of them to learn how Axos Dealer Services can partner with your dealership. Visit the Contact Us page for contact information.
  • 7 a.m. – 7 p.m. PT Mon-Fri
  • 9 a.m. – 6 p.m. PT Weekends and most holidays

For more information, feel free to contact us at 855-537-1113.