Company: AX
Filing Date: 2025-09-16
Form Type: 424B5
Source: 0001299709-25-000147
Chunk: 66

Company: Axos Financial, Inc.
Filing Date: 2025-09-16
Form: 424B5
Chunk 66
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 trade to prevent a failed settlement. Purchasers of the Notes who wish to trade the Notes prior to their date of delivery hereunder should consult their advisors.

### LEGAL MATTERS
The validity of the Notes being offered by this prospectus will be passed upon by our legal counsel, Thompson Coburn LLP, St Louis, Missouri. Certain legal matters relating to this offering will be passed upon for the underwriters by Freshfields US LLP, New York, New York.

### EXPERTS
The consolidated financial statements as of June 30, 2025 and 2024 and for each of the three years in the period ended June 30, 2025 and management’s assessment of the effectiveness of internal control over financial reporting as of June 30, 2025, incorporated by reference in this prospectus have been so incorporated in reliance on the reports of 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'>S-37</div>

### WHERE YOU CAN FIND MORE INFORMATION
We are subject to the information requirements of the Exchange Act. Accordingly, we file annual, quarterly and current reports, proxy statements and other information with the SEC and filed a registration statement on Form S‑3 under Section 27A of the Securities Act of 1933, as amended, relating to the Notes offered by this prospectus. This prospectus, which forms part of the Registration Statement, does not contain all of the information included in the Registration Statement. For further information, you should refer to the Registration Statement and its exhibits.

You may read and copy the Registration Statement and any document we file with the SEC at the SEC’s Public Reference Room at 100 F Street, N.E., Washington, D.C. 20549. Please call the SEC at 1-800-SEC-0330 for further information on the operation of the Public Reference Room. Our filings are accessible at the website maintained by the SEC at http://www.sec.gov. The site contains reports, proxy and information statements and other information regarding issuers that file electronically with the SEC. In addition, to the foregoing, we maintain a website at www.axosfinancial.com. Our website content is made available for informational purposes only. It should neither be relied upon for investment purposes nor is it incorporated by reference into this prospectus. We make available on our website copies of our Annual Reports on Form 10‑K, Quarterly Reports on Form 10‑Q,