Company: AX
Filing Date: 2025-09-16
Form Type: 305B2
Source: 0001299709-25-000148
Chunk: 0

Company: Axos Financial, Inc.
Filing Date: 2025-09-16
Form: 305B2
Chunk 0
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<div align='center'>_____________________________________________________________________________</div>

### SECURITIES AND EXCHANGE COMMISSION

#### Washington, D.C. 20549
<div align='center'>__________________________</div>

#### FORM T-1

### STATEMENT OF ELIGIBILITY UNDER

#### THE TRUST INDENTURE ACT OF 1939 OF A

### CORPORATION DESIGNATED TO ACT AS TRUSTEE
<div align='center'>Check if an Application to Determine Eligibility of

a Trustee Pursuant to Section 305(b)(2) ☐

_______________________________________________________</div>

#### U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION
<div align='center'>(Exact name of Trustee as specified in its charter)</div>

#### 91-1821036
<div align='center'>I.R.S. Employer Identification No.</div>

| 800 Nicollet Mall                        
 Minneapolis, Minnesota                   |     |     55402 |
| (Address of principal executive offices) |     | -Zip Code |

<div align='center'>Fonda Hall

U.S. Bank Trust Company, National Association

633 West Fifth Street

Los Angeles, CA 90071

(213) 615-6023

(Name, address and telephone number of agent for service)</div>

#### Axos Financial, Inc.
(Issuer with respect to the Securities)

| Delaware                                                       |     | 33-0867444                          |
| (State or other jurisdiction of incorporation or organization) |     | -I.R.S. Employer Identification No. |

| 9205 West Russell Road Suite 400         
 Las Vegas, Nevada                        |     |     89148 |
| (Address of Principal Executive Offices) |     | -Zip Code |

#### Debt Securities
<div align='center'>(Title of the Indenture Securities)</div>

#### FORM T-1

## Item 1.

#### GENERAL INFORMATION
#### .

Furnish the following information as to the Trustee.

a) Name and address of each examining or supervising authority to which it is subject.

Comptroller of the Currency

Washington, D.C.

b) Whether it is authorized to exercise corporate trust powers.

Yes

## Item 2. AFFILIATIONS WITH THE OBLIGOR.
If the obligor is an affiliate of the Trustee, describe each such affiliation.

None

#### Items 3-15
Items 3-15 are not applicable because to the best of the Trustee's knowledge, the