Axos Financial, Inc. Fixed Income Investor Presentation

Diverse Lending Across Segments Commercial & Industrial Non-RE $1,632 12.8% Commercial Real Estate $3,857 30.2% (Dollars in Millions) Other $22 0.2% Auto & Consumer $479 3.8% $12.8B Single Family Mortgage & Warehouse $4,282 33.5% Multifamily & Commercial Note: Financial Information as of December 31, 2021. Mortgage $2,484 19.5% Category Single Family Mortgage & Warehouse Multifamily & Commercial Mortgage Commercial Real Estate Commercial & Industrial Non-RE Auto & Consumer Other Category Total ($M) Subcategory $4,282 $2,484 $3,857 $1,632 $479 $22 Jumbo Mortgage Warehouse Lending Multifamily Small Balance Commercial CRE Specialty Lender Finance RE Lender Finance Non-RE Equipment Leasing Asset-Based Lending Auto Unsecured / OD PPP Other axos Subcategory % of Total ($M) Total $3,686 28.9% $596 $2,017 $467 $3,735 $742 $96 $793 $122 0.9% $417 $62 $20 4.6% $3 15.8% 3.7% 29.3% 5.8% 0.8% 6.2% 3.3% 0.5% 0.2% 0.0% 17

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