Company: AX
Filing Date: 2025-09-17
Form Type: 424B5
Source: 0001299709-25-000159
Chunk: 65

Company: Axos Financial, Inc.
Filing Date: 2025-09-17
Form: 424B5
Chunk 65
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  70,000,000 |
| B. Riley Securities, Inc.        |     | $            |     |             |     |  10,000,000 |
| Janney Montgomery Scott          |     | $            |     |             |     |  10,000,000 |
| Total                            |     | $            |     | 200,000,000 |     |             |

The Underwriting Agreement provides that the obligations of the underwriters to purchase the Notes offered hereby are subject to certain conditions precedent and that the underwriters will purchase all of the Notes if any of the Notes are purchased.

The Notes sold by the underwriters to the public will be offered at the public offering price set forth on the cover of this prospectus supplement. The underwriters may offer the Notes to selected dealers at the public offering price set forth on the

<div align='center'>S-35</div>

cover of this prospectus supplement less a concession not in excess of 0.50% of the principal amount per Note. After the initial offering, the underwriters may change the offering price and the other selling terms. The offering of the Notes by the underwriters is subject to receipt and acceptance and subject to the underwriters’ right to reject any order in whole or in part.

#### Discounts, Commissions and Expenses
The following table shows the public offering price, the underwriting discounts and commissions that we are to pay the underwriters and the proceeds, before expenses, to us in connection with this offering (expressed as a percentage of the principal amount of the Notes offered hereby).

|                                                   |     | Per          
 Subordinated 
 Note         |     |         |     | Total |     |             |     |             |
|:--------------------------------------------------|:----|:-------------|:----|:--------|:----|:------|:----|------------:|:----|------------:|
| Public offering price(I)                          |     | 100    %     |     |         |     | $     |     |             |     | 200,000,000 |
| Underwriting discounts and commissions paid by us |     |              |     | 1.25 %  |     | $     |     |   2,500,000 |     |             |
| Proceeds to us, before expenses                   |     |              |     | 98.75 % |     | $     |     | 197,500,000 |     |             |

We estimate