Company: AX
Filing Date: 2025-09-25
Form Type: DEF 14A
Source: 0001299709-25-000174
Chunk: 82

Company: Axos Financial, Inc.
Filing Date: 2025-09-25
Form: DEF 14A
Chunk 82
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(2) Loan type is a construction loan with principal payments to commence upon completion of construction.

#### Delinquent Section 16(a) Reports
Pursuant to Section 16(a) of the Exchange Act, and the related rules and regulations, our directors, executive officers, and persons who beneficially own more than ten percent of any registered class of equity securities of the Company (“ten-percent stockholders”) are required to file reports of their ownership, and any changes in that ownership, with the SEC. Based solely on our review of the copies of such forms and certifications furnished to us, we believe that all of our directors, executive officers and ten-percent stockholders filed timely all reports required under Section 16(a) during the 2025 fiscal year except Ann Gill and Candace Thiele filed late Form 3s regarding initial beneficial ownership.

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#### Other Items

#### Security Ownership of Certain Beneficial Owners
The following table discloses information regarding beneficial ownership of the Company’s common stock by the only entities known by us to have beneficial ownership of more than 5% of the outstanding shares of our common stock on the record date. Beneficial ownership has been determined in accordance with Rule 13d-3 under the Exchange Act.

| Name and Address of Beneficial Owner |     | Shares of          
 Common Stock       
 Beneficially Owned |           |     | Percent of Shares 
 Outstanding(1)    |       |   |
| BlackRock, Inc.(2)                   |     |                    | 8,329,879 |     |                   | 14.72 | % |
| The Vanguard Group, Inc.(3)          |     |                    | 5,985,476 |     |                   | 10.58 | % |

(1) Percentage is calculated on the basis of 56,595,223 shares, the total number of shares of common stock outstanding on September 16, 2025.

(2) Represents shares beneficially owned by BlackRock, Inc., 50 Hudson Yards, New York, NY 10001. BlackRock, Inc. has sole voting power with respect to 8,169,202 shares and sole dispositive power with respect to 8,329,879 shares. The foregoing information is based solely on the Schedule 13G filed by BlackRock, Inc. with the SEC on January 23, 2024, regarding its holdings as of December 31, 2023.

(3) Represents shares beneficially owned by The