Company: AX
Filing Date: 2025-09-16
Form Type: 424B5
Source: 0001299709-25-000147
Chunk: 102

Company: Axos Financial, Inc.
Filing Date: 2025-09-16
Form: 424B5
Chunk 102
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 by any FINRA member or independent broker-dealer will not exceed 8% of the offering proceeds from any offering pursuant to this prospectus and any applicable prospectus supplement.

No FINRA member may participate in any offering of securities made under this prospectus if such member has a conflict of interest under FINRA Rule 5121, including if 5% or more of the net proceeds, not including underwriting compensation, of any offering of securities made under this prospectus will be received by a FINRA member participating in the offering or affiliates or associated persons of such FINRA members, unless a qualified independent underwriter has participated in the offering or the offering otherwise complies with FINRA Rule 5121.

To comply with the securities laws of some states, if applicable, the securities may be sold in these jurisdictions only through registered or licensed brokers or dealers. In addition, in some states the securities may not be sold unless they have been registered or qualified for sale or an exemption from registration or qualification requirements is available and is complied with.

### VALIDITY OF SECURITIES
Unless otherwise indicated in the applicable prospectus supplement, the validity of the securities offered by us pursuant to this prospectus will be passed upon for us by Thompson Coburn LLP, Saint Louis, Missouri. If the validity of the securities will be passed upon by counsel for any underwriters, dealers or agents, such counsel will be named in the applicable prospectus supplement.

### EXPERTS
The consolidated financial statements as of June 30, 2023 and 2022 and for each of the three years in the period ended June 30, 2023 and management's assessment of the effectiveness of internal control over financial reporting as of June 30, 2023 incorporated by reference in this Prospectus have been so incorporated in reliance on the reports of BDO USA, P.A. (n/k/a BDO USA, P.C.) an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting.

<div align='center'>25</div>

<div align='center'>$

% Fixed-to Floating Rate Subordinated Notes due 2035</div>

| PRELIMINARYPROSPECTUS SUPPLEMENT |

#### September , 2025
<div align='center'>26</div>