Axos Financial is a technology-driven financial services company that operates through two main business segments: banking and securities. The banking segment offers consumer and commercial banking services—including deposits, residential and commercial real estate lending, auto loans, and other loan products—primarily through digital platforms and affinity partnerships, while generating revenue from interest income, lending fees, and deposit service fees. The securities segment provides investment and wealth management services through clearing operations for financial firms, a technology platform for registered investment advisors, and retail self-directed trading services, earning revenue from asset- and transaction-based fees as well as margin and securities lending.