<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2024 Workiva-->
<!--r:0ffaa9fa-3dba-4289-a135-98ece8f63406,g:ecf51779-f9b3-43ae-8800-5c58823c8fb2-->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:ax="http://axosfinancial.com/20240331" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:dtr-types1="http://www.xbrl.org/dtr/type/2020-01-21" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2022-03-31" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://axosfinancial.com/20240331">
  <xs:import namespace="http://fasb.org/srt/2023" schemaLocation="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd"/>
  <xs:import namespace="http://fasb.org/us-gaap/2023" schemaLocation="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd"/>
  <xs:import namespace="http://www.w3.org/1999/xlink" schemaLocation="http://www.xbrl.org/2003/xlink-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2020-01-21" schemaLocation="https://www.xbrl.org/dtr/type/2020-01-21/types.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2022-03-31" schemaLocation="https://www.xbrl.org/dtr/type/2022-03-31/types.xsd"/>
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/dei/2023" schemaLocation="https://xbrl.sec.gov/dei/2023/dei-2023.xsd"/>
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="ax-20240331_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="ax-20240331_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="ax-20240331_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="ax-20240331_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="CoverPage" roleURI="http://axosfinancial.com/role/CoverPage">
        <link:definition>0000001 - Document - Cover Page</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONDENSEDCONSOLIDATEDBALANCESHEETS" roleURI="http://axosfinancial.com/role/CONDENSEDCONSOLIDATEDBALANCESHEETS">
        <link:definition>0000002 - Statement - CONDENSED CONSOLIDATED BALANCE SHEETS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONDENSEDCONSOLIDATEDBALANCESHEETSParenthetical" roleURI="http://axosfinancial.com/role/CONDENSEDCONSOLIDATEDBALANCESHEETSParenthetical">
        <link:definition>0000003 - Statement - CONDENSED CONSOLIDATED BALANCE SHEETS (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONDENSEDCONSOLIDATEDSTATEMENTSOFINCOME" roleURI="http://axosfinancial.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFINCOME">
        <link:definition>0000004 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF INCOME</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONDENSEDCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME" roleURI="http://axosfinancial.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME">
        <link:definition>0000005 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONDENSEDCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMEParenthetical" roleURI="http://axosfinancial.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMEParenthetical">
        <link:definition>0000006 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONDENSEDCONSOLIDATEDSTATEMENTSOFSTOCKHOLDERSEQUITY" roleURI="http://axosfinancial.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFSTOCKHOLDERSEQUITY">
        <link:definition>0000007 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWS" roleURI="http://axosfinancial.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWS">
        <link:definition>0000008 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIES" roleURI="http://axosfinancial.com/role/SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIES">
        <link:definition>0000009 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ACQUISITIONS" roleURI="http://axosfinancial.com/role/ACQUISITIONS">
        <link:definition>0000010 - Disclosure - ACQUISITIONS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUE" roleURI="http://axosfinancial.com/role/FAIRVALUE">
        <link:definition>0000011 - Disclosure - FAIR VALUE</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AVAILABLEFORSALESECURITIES" roleURI="http://axosfinancial.com/role/AVAILABLEFORSALESECURITIES">
        <link:definition>0000012 - Disclosure - AVAILABLE-FOR-SALE SECURITIES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSALLOWANCEFORCREDITLOSSES" roleURI="http://axosfinancial.com/role/LOANSALLOWANCEFORCREDITLOSSES">
        <link:definition>0000013 - Disclosure - LOANS &amp; ALLOWANCE FOR CREDIT LOSSES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DERIVATIVES" roleURI="http://axosfinancial.com/role/DERIVATIVES">
        <link:definition>0000014 - Disclosure - DERIVATIVES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="STOCKHOLDERSEQUITYANDSTOCKBASEDCOMPENSATION" roleURI="http://axosfinancial.com/role/STOCKHOLDERSEQUITYANDSTOCKBASEDCOMPENSATION">
        <link:definition>0000015 - Disclosure - STOCKHOLDERS&#8217; EQUITY AND STOCK-BASED COMPENSATION</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EARNINGSPERCOMMONSHARE" roleURI="http://axosfinancial.com/role/EARNINGSPERCOMMONSHARE">
        <link:definition>0000016 - Disclosure - EARNINGS PER COMMON SHARE</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="COMMITMENTSANDCONTINGENCIES" roleURI="http://axosfinancial.com/role/COMMITMENTSANDCONTINGENCIES">
        <link:definition>0000017 - Disclosure - COMMITMENTS AND CONTINGENCIES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SEGMENTREPORTINGANDREVENUEINFORMATION" roleURI="http://axosfinancial.com/role/SEGMENTREPORTINGANDREVENUEINFORMATION">
        <link:definition>0000018 - Disclosure - SEGMENT REPORTING AND REVENUE INFORMATION</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BORROWINGSSUBORDINATEDNOTESANDDEBENTURES" roleURI="http://axosfinancial.com/role/BORROWINGSSUBORDINATEDNOTESANDDEBENTURES">
        <link:definition>0000019 - Disclosure - BORROWINGS, SUBORDINATED NOTES AND DEBENTURES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESPolicies" roleURI="http://axosfinancial.com/role/SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESPolicies">
        <link:definition>9954471 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ACQUISITIONSTables" roleURI="http://axosfinancial.com/role/ACQUISITIONSTables">
        <link:definition>9954472 - Disclosure - ACQUISITIONS (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUETables" roleURI="http://axosfinancial.com/role/FAIRVALUETables">
        <link:definition>9954473 - Disclosure - FAIR VALUE (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AVAILABLEFORSALESECURITIESTables" roleURI="http://axosfinancial.com/role/AVAILABLEFORSALESECURITIESTables">
        <link:definition>9954474 - Disclosure - AVAILABLE-FOR-SALE SECURITIES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSALLOWANCEFORCREDITLOSSESTables" roleURI="http://axosfinancial.com/role/LOANSALLOWANCEFORCREDITLOSSESTables">
        <link:definition>9954475 - Disclosure - LOANS &amp; ALLOWANCE FOR CREDIT LOSSES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DERIVATIVESTables" roleURI="http://axosfinancial.com/role/DERIVATIVESTables">
        <link:definition>9954476 - Disclosure - DERIVATIVES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="STOCKHOLDERSEQUITYANDSTOCKBASEDCOMPENSATIONTables" roleURI="http://axosfinancial.com/role/STOCKHOLDERSEQUITYANDSTOCKBASEDCOMPENSATIONTables">
        <link:definition>9954477 - Disclosure - STOCKHOLDERS&#8217; EQUITY AND STOCK-BASED COMPENSATION (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EARNINGSPERCOMMONSHARETables" roleURI="http://axosfinancial.com/role/EARNINGSPERCOMMONSHARETables">
        <link:definition>9954478 - Disclosure - EARNINGS PER COMMON SHARE (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="COMMITMENTSANDCONTINGENCIESTables" roleURI="http://axosfinancial.com/role/COMMITMENTSANDCONTINGENCIESTables">
        <link:definition>9954479 - Disclosure - COMMITMENTS AND CONTINGENCIES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SEGMENTREPORTINGANDREVENUEINFORMATIONTables" roleURI="http://axosfinancial.com/role/SEGMENTREPORTINGANDREVENUEINFORMATIONTables">
        <link:definition>9954480 - Disclosure - SEGMENT REPORTING AND REVENUE INFORMATION (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ACQUISITIONSDetails" roleURI="http://axosfinancial.com/role/ACQUISITIONSDetails">
        <link:definition>9954481 - Disclosure - ACQUISITIONS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ACQUISITIONSScheduleofAssetAcquisitionDetails" roleURI="http://axosfinancial.com/role/ACQUISITIONSScheduleofAssetAcquisitionDetails">
        <link:definition>9954482 - Disclosure - ACQUISITIONS - Schedule of Asset Acquisition (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUEASSETSANDLIABILITIESMEASUREDONRECURRINGBASISDetails" roleURI="http://axosfinancial.com/role/FAIRVALUEASSETSANDLIABILITIESMEASUREDONRECURRINGBASISDetails">
        <link:definition>9954483 - Disclosure - FAIR VALUE - ASSETS AND LIABILITIES MEASURED ON RECURRING BASIS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUELEVEL3ASSETSMEASUREDONRECURRINGBASISDetails" roleURI="http://axosfinancial.com/role/FAIRVALUELEVEL3ASSETSMEASUREDONRECURRINGBASISDetails">
        <link:definition>9954484 - Disclosure - FAIR VALUE - LEVEL 3 ASSETS MEASURED ON RECURRING BASIS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUEQUANTITATIVEINFORMATIONABOUTLEVEL3FAIRVALUEMEASURMENTSRECURRINGDetails" roleURI="http://axosfinancial.com/role/FAIRVALUEQUANTITATIVEINFORMATIONABOUTLEVEL3FAIRVALUEMEASURMENTSRECURRINGDetails">
        <link:definition>9954485 - Disclosure - FAIR VALUE - QUANTITATIVE INFORMATION ABOUT LEVEL 3 FAIR VALUE MEASURMENTS (RECURRING) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUELOANSHELDFORSALEDetails" roleURI="http://axosfinancial.com/role/FAIRVALUELOANSHELDFORSALEDetails">
        <link:definition>9954486 - Disclosure - FAIR VALUE - LOANS HELD-FOR-SALE (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUEASSETSMEASUREDFORIMPAIRMENTONNONRECURRINGBASISDetails" roleURI="http://axosfinancial.com/role/FAIRVALUEASSETSMEASUREDFORIMPAIRMENTONNONRECURRINGBASISDetails">
        <link:definition>9954487 - Disclosure - FAIR VALUE - ASSETS MEASURED FOR IMPAIRMENT ON NONRECURRING BASIS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUENARRATIVEDetails" roleURI="http://axosfinancial.com/role/FAIRVALUENARRATIVEDetails">
        <link:definition>9954488 - Disclosure - FAIR VALUE - NARRATIVE (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUEQUANTITATIVEINFORMATIONABOUTLEVEL3FAIRVALUEMEASURMENTSNONRECURRINGDetails" roleURI="http://axosfinancial.com/role/FAIRVALUEQUANTITATIVEINFORMATIONABOUTLEVEL3FAIRVALUEMEASURMENTSNONRECURRINGDetails">
        <link:definition>9954489 - Disclosure - FAIR VALUE - QUANTITATIVE INFORMATION ABOUT LEVEL 3 FAIR VALUE MEASURMENTS (NONRECURRING) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUEESTIMATEDFAIRVALUESOFFINANCIALINSTRUMENTSATPERIODENDDetails" roleURI="http://axosfinancial.com/role/FAIRVALUEESTIMATEDFAIRVALUESOFFINANCIALINSTRUMENTSATPERIODENDDetails">
        <link:definition>9954490 - Disclosure - FAIR VALUE - ESTIMATED FAIR VALUES OF FINANCIAL INSTRUMENTS AT PERIOD-END (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AVAILABLEFORSALESECURITIESAMORTIZEDCOSTCARRYINGAMOUNTANDFAIRVALUEDISCLOSURESDetails" roleURI="http://axosfinancial.com/role/AVAILABLEFORSALESECURITIESAMORTIZEDCOSTCARRYINGAMOUNTANDFAIRVALUEDISCLOSURESDetails">
        <link:definition>9954491 - Disclosure - AVAILABLE-FOR-SALE SECURITIES - AMORTIZED COST, CARRYING AMOUNT AND FAIR VALUE DISCLOSURES (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AVAILABLEFORSALESECURITIESNARRATIVEDetails" roleURI="http://axosfinancial.com/role/AVAILABLEFORSALESECURITIESNARRATIVEDetails">
        <link:definition>9954492 - Disclosure - AVAILABLE-FOR-SALE SECURITIES - NARRATIVE (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AVAILABLEFORSALESECURITIESSCHEDULEOFUNREALIZEDLOSSONINVESTMENTSDetails" roleURI="http://axosfinancial.com/role/AVAILABLEFORSALESECURITIESSCHEDULEOFUNREALIZEDLOSSONINVESTMENTSDetails">
        <link:definition>9954493 - Disclosure - AVAILABLE-FOR-SALE SECURITIES - SCHEDULE OF UNREALIZED LOSS ON INVESTMENTS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AVAILABLEFORSALESECURITIESUNREALIZEDGAINLOSSONINVESTMENTSDetails" roleURI="http://axosfinancial.com/role/AVAILABLEFORSALESECURITIESUNREALIZEDGAINLOSSONINVESTMENTSDetails">
        <link:definition>9954494 - Disclosure - AVAILABLE-FOR-SALE SECURITIES - UNREALIZED GAIN (LOSS) ON INVESTMENTS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AVAILABLEFORSALESECURITIESINVESTMENTSCLASSIFIEDBYCONTRACTUALMATURITYDATEDetails" roleURI="http://axosfinancial.com/role/AVAILABLEFORSALESECURITIESINVESTMENTSCLASSIFIEDBYCONTRACTUALMATURITYDATEDetails">
        <link:definition>9954495 - Disclosure - AVAILABLE-FOR-SALE SECURITIES - INVESTMENTS CLASSIFIED BY CONTRACTUAL MATURITY DATE (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSALLOWANCEFORCREDITLOSSESNARRATIVEDetails" roleURI="http://axosfinancial.com/role/LOANSALLOWANCEFORCREDITLOSSESNARRATIVEDetails">
        <link:definition>9954496 - Disclosure - LOANS &amp; ALLOWANCE FOR CREDIT LOSSES - NARRATIVE (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSALLOWANCEFORCREDITLOSSESLOANPORTFOLIOCOMPOSITIONDetails" roleURI="http://axosfinancial.com/role/LOANSALLOWANCEFORCREDITLOSSESLOANPORTFOLIOCOMPOSITIONDetails">
        <link:definition>9954497 - Disclosure - LOANS &amp; ALLOWANCE FOR CREDIT LOSSES - LOAN PORTFOLIO COMPOSITION (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSALLOWANCEFORCREDITLOSSESCOMPONENTSOFTHEPROVISIONFORCREDITLOSSESDetails" roleURI="http://axosfinancial.com/role/LOANSALLOWANCEFORCREDITLOSSESCOMPONENTSOFTHEPROVISIONFORCREDITLOSSESDetails">
        <link:definition>9954498 - Disclosure - LOANS &amp; ALLOWANCE FOR CREDIT LOSSES - COMPONENTS OF THE PROVISION FOR CREDIT LOSSES (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSALLOWANCEFORCREDITLOSSESALLOWANCEFORLOANLOSSBYPORTFOLIOCLASSDetails" roleURI="http://axosfinancial.com/role/LOANSALLOWANCEFORCREDITLOSSESALLOWANCEFORLOANLOSSBYPORTFOLIOCLASSDetails">
        <link:definition>9954499 - Disclosure - LOANS &amp; ALLOWANCE FOR CREDIT LOSSES - ALLOWANCE FOR LOAN LOSS BY PORTFOLIO CLASS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSALLOWANCEFORCREDITLOSSESALLOWANCEFORLOANLOSSANDRESERVEFORUNFUNDEDLOANCOMMITMENTSDetails" roleURI="http://axosfinancial.com/role/LOANSALLOWANCEFORCREDITLOSSESALLOWANCEFORLOANLOSSANDRESERVEFORUNFUNDEDLOANCOMMITMENTSDetails">
        <link:definition>9954500 - Disclosure - LOANS &amp; ALLOWANCE FOR CREDIT LOSSES - ALLOWANCE FOR LOAN LOSS AND RESERVE FOR UNFUNDED LOAN COMMITMENTS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSALLOWANCEFORCREDITLOSSESREALESTATELOANSLTVRATIODetails" roleURI="http://axosfinancial.com/role/LOANSALLOWANCEFORCREDITLOSSESREALESTATELOANSLTVRATIODetails">
        <link:definition>9954501 - Disclosure - LOANS &amp; ALLOWANCE FOR CREDIT LOSSES - REAL ESTATE LOANS, LTV RATIO (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSALLOWANCEFORCREDITLOSSESUNPAIDPRINCIPALBALANCEFORPERFORMINGANDNONACCRUALDetails" roleURI="http://axosfinancial.com/role/LOANSALLOWANCEFORCREDITLOSSESUNPAIDPRINCIPALBALANCEFORPERFORMINGANDNONACCRUALDetails">
        <link:definition>9954502 - Disclosure - LOANS &amp; ALLOWANCE FOR CREDIT LOSSES - UNPAID PRINCIPAL BALANCE FOR PERFORMING AND NONACCRUAL (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSALLOWANCEFORCREDITLOSSESLOANSBYAMORTIZEDCOSTBASISBYYEAROFORIGINATIONANDCREDITQUALITYINDICATORDetails" roleURI="http://axosfinancial.com/role/LOANSALLOWANCEFORCREDITLOSSESLOANSBYAMORTIZEDCOSTBASISBYYEAROFORIGINATIONANDCREDITQUALITYINDICATORDetails">
        <link:definition>9954503 - Disclosure - LOANS &amp; ALLOWANCE FOR CREDIT LOSSES - LOANS BY AMORTIZED COST BASIS BY YEAR OF ORIGINATION AND CREDIT QUALITY INDICATOR (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSALLOWANCEFORCREDITLOSSESPASTDUELOANSDetails" roleURI="http://axosfinancial.com/role/LOANSALLOWANCEFORCREDITLOSSESPASTDUELOANSDetails">
        <link:definition>9954504 - Disclosure - LOANS &amp; ALLOWANCE FOR CREDIT LOSSES - PAST DUE LOANS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DERIVATIVESScheduleofFairValuesandNotionalAmountsDetails" roleURI="http://axosfinancial.com/role/DERIVATIVESScheduleofFairValuesandNotionalAmountsDetails">
        <link:definition>9954505 - Disclosure - DERIVATIVES - Schedule of Fair Values and Notional Amounts (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DERIVATIVESScheduleofGainsLossesofDerivativesInstrumentsDetails" roleURI="http://axosfinancial.com/role/DERIVATIVESScheduleofGainsLossesofDerivativesInstrumentsDetails">
        <link:definition>9954506 - Disclosure - DERIVATIVES - Schedule of Gains (Losses) of Derivatives Instruments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="STOCKHOLDERSEQUITYANDSTOCKBASEDCOMPENSATIONNARRATIVEDetails" roleURI="http://axosfinancial.com/role/STOCKHOLDERSEQUITYANDSTOCKBASEDCOMPENSATIONNARRATIVEDetails">
        <link:definition>9954507 - Disclosure - STOCKHOLDERS&#8217; EQUITY AND STOCK-BASED COMPENSATION - NARRATIVE (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="STOCKHOLDERSEQUITYANDSTOCKBASEDCOMPENSATIONCommonStockRepurchasesDetails" roleURI="http://axosfinancial.com/role/STOCKHOLDERSEQUITYANDSTOCKBASEDCOMPENSATIONCommonStockRepurchasesDetails">
        <link:definition>9954508 - Disclosure - STOCKHOLDERS&#8217; EQUITY AND STOCK-BASED COMPENSATION - Common Stock Repurchases (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="STOCKHOLDERSEQUITYANDSTOCKBASEDCOMPENSATIONCHANGESINRESTRICTEDSTOCKUNITGRANTSDetails" roleURI="http://axosfinancial.com/role/STOCKHOLDERSEQUITYANDSTOCKBASEDCOMPENSATIONCHANGESINRESTRICTEDSTOCKUNITGRANTSDetails">
        <link:definition>9954509 - Disclosure - STOCKHOLDERS&#8217; EQUITY AND STOCK-BASED COMPENSATION - CHANGES IN RESTRICTED STOCK UNIT GRANTS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EARNINGSPERCOMMONSHAREDetails" roleURI="http://axosfinancial.com/role/EARNINGSPERCOMMONSHAREDetails">
        <link:definition>9954510 - Disclosure - EARNINGS PER COMMON SHARE (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="COMMITMENTSANDCONTINGENCIESSCHEDULEOFMATURITIESOFLEASELIABILITIESDetails" roleURI="http://axosfinancial.com/role/COMMITMENTSANDCONTINGENCIESSCHEDULEOFMATURITIESOFLEASELIABILITIESDetails">
        <link:definition>9954511 - Disclosure - COMMITMENTS AND CONTINGENCIES - SCHEDULE OF MATURITIES OF LEASE LIABILITIES (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="COMMITMENTSANDCONTINGENCIESSCHEDULEOFMATURITIESOFLEASELIABILITIESDetails_1" roleURI="http://axosfinancial.com/role/COMMITMENTSANDCONTINGENCIESSCHEDULEOFMATURITIESOFLEASELIABILITIESDetails_1">
        <link:definition>9954511 - Disclosure - COMMITMENTS AND CONTINGENCIES - SCHEDULE OF MATURITIES OF LEASE LIABILITIES (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="COMMITMENTSANDCONTINGENCIESNARRATIVEDetails" roleURI="http://axosfinancial.com/role/COMMITMENTSANDCONTINGENCIESNARRATIVEDetails">
        <link:definition>9954512 - Disclosure - COMMITMENTS AND CONTINGENCIES - NARRATIVE (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SEGMENTREPORTINGANDREVENUEINFORMATIONSEGMENTREPORTINGINFORMATIONBYSEGMENTDetails" roleURI="http://axosfinancial.com/role/SEGMENTREPORTINGANDREVENUEINFORMATIONSEGMENTREPORTINGINFORMATIONBYSEGMENTDetails">
        <link:definition>9954513 - Disclosure - SEGMENT REPORTING AND REVENUE INFORMATION - SEGMENT REPORTING INFORMATION, BY SEGMENT (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SEGMENTREPORTINGANDREVENUEINFORMATIONNONINTERESTINCOMEDetails" roleURI="http://axosfinancial.com/role/SEGMENTREPORTINGANDREVENUEINFORMATIONNONINTERESTINCOMEDetails">
        <link:definition>9954514 - Disclosure - SEGMENT REPORTING AND REVENUE INFORMATION - NON-INTEREST INCOME (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BORROWINGSSUBORDINATEDNOTESANDDEBENTURESDetails" roleURI="http://axosfinancial.com/role/BORROWINGSSUBORDINATEDNOTESANDDEBENTURESDetails">
        <link:definition>9954515 - Disclosure - BORROWINGS, SUBORDINATED NOTES AND DEBENTURES (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:element id="ax_GainOnFDICLoanPurchase" abstract="false" name="GainOnFDICLoanPurchase" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_OriginationOfLoansNet" abstract="false" name="OriginationOfLoansNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_ScheduleOfLoansPerformingAndNonPerformingTableTextBlock" abstract="false" name="ScheduleOfLoansPerformingAndNonPerformingTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ax_ReceivablesFromTradeBrokersDealersAndClearingOrganizations" abstract="false" name="ReceivablesFromTradeBrokersDealersAndClearingOrganizations" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_ResidentialPortfolioSingleFamilyRealEstateSegmentMember" abstract="true" name="ResidentialPortfolioSingleFamilyRealEstateSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ax_OffBalanceSheetRiskRatioOfCommitmentsToOriginateLoansToCommitmentsToSell" abstract="false" name="OffBalanceSheetRiskRatioOfCommitmentsToOriginateLoansToCommitmentsToSell" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ax_SecuritiesBusinessSegmentMember" abstract="true" name="SecuritiesBusinessSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ax_PCDPortfolioSegmentMember" abstract="true" name="PCDPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ax_AgencyResidentialMortgageBackedSecuritiesMember" abstract="true" name="AgencyResidentialMortgageBackedSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ax_LoansHeldForSaleChangeInFairValueTotal" abstract="false" name="LoansHeldForSaleChangeInFairValueTotal" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_LoansHeldForSaleInterestIncome" abstract="false" name="LoansHeldForSaleInterestIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_LossContingencyDamagesVacatedValue" abstract="false" name="LossContingencyDamagesVacatedValue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_FinancingReceivableRatioOfGradeClassToGrossLoansYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableRatioOfGradeClassToGrossLoansYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ax_FinancingReceivableRecordedInvestmentPastDueAsAPercentOfGrossLoans" abstract="false" name="FinancingReceivableRecordedInvestmentPastDueAsAPercentOfGrossLoans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ax_DilutiveCommonSharesIssuedAndOutstanding" abstract="false" name="DilutiveCommonSharesIssuedAndOutstanding" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ax_AdjustableInterestRateMember" abstract="true" name="AdjustableInterestRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ax_OtherRealEstateOwnedAndForeclosedAssetsFairValueDisclosure" abstract="false" name="OtherRealEstateOwnedAndForeclosedAssetsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_IncreaseDecreaseInMortgageServicingRightsMarketRiskOfInterestRates" abstract="false" name="IncreaseDecreaseInMortgageServicingRightsMarketRiskOfInterestRates" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_FinancingReceivableLowerOfCostOrFairValue" abstract="false" name="FinancingReceivableLowerOfCostOrFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_ScheduleOfRealEstateLoansLoanToValueRatioTableTextBlock" abstract="false" name="ScheduleOfRealEstateLoansLoanToValueRatioTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="ax_FinancingReceivableRatioOfGradeClassToGrossLoansAbstract" abstract="true" name="FinancingReceivableRatioOfGradeClassToGrossLoansAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ax_CommitmenttoExtendCreditWeightedAverageInterestRate" abstract="false" name="CommitmenttoExtendCreditWeightedAverageInterestRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ax_NumberOfLoanPortfolioSegments" abstract="false" name="NumberOfLoanPortfolioSegments" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ax_ProceedsFromSaleOfRegulatoryAgenciesStock" abstract="false" name="ProceedsFromSaleOfRegulatoryAgenciesStock" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_FdicAndPrimaryFederalRegulatorFees" abstract="false" name="FdicAndPrimaryFederalRegulatorFees" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_ProceedsFromPaymentsForMortgageWarehouseLoansNet" abstract="false" name="ProceedsFromPaymentsForMortgageWarehouseLoansNet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_FinancingReceivableRatioOfGradeClassToGrossLoans" abstract="false" name="FinancingReceivableRatioOfGradeClassToGrossLoans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ax_BankingandServicesFees" abstract="false" name="BankingandServicesFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_SharebasedCompensationRequisiteServicePeriodRecognitionandStockIssuedDuringPeriodValueRestrictedStockAwardNetofForfeitures" abstract="false" name="SharebasedCompensationRequisiteServicePeriodRecognitionandStockIssuedDuringPeriodValueRestrictedStockAwardNetofForfeitures" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_InterestExpenseFederalHomeLoanBankAdvances" abstract="false" name="InterestExpenseFederalHomeLoanBankAdvances" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_FinancingReceivableTroubledDebtRestructuringClassifiedAsPerformingNumber" abstract="false" name="FinancingReceivableTroubledDebtRestructuringClassifiedAsPerformingNumber" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ax_TransfersToOtherRealEstateAndRepossessedVehicles" abstract="false" name="TransfersToOtherRealEstateAndRepossessedVehicles" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_MarineFloorFinancingLoansMember" abstract="true" name="MarineFloorFinancingLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ax_FinancingReceivableRealEstateLoansLoanToValueRatioWeightedAverage" abstract="false" name="FinancingReceivableRealEstateLoansLoanToValueRatioWeightedAverage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ax_RevenueNotFromContractWithCustomerNonInterestIncomeOutOfScope" abstract="false" name="RevenueNotFromContractWithCustomerNonInterestIncomeOutOfScope" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_AssetAcquisitionGainLossOnTransaction" abstract="false" name="AssetAcquisitionGainLossOnTransaction" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_FinancingReceivableRatioOfGradeClassToGrossLoansRevolving" abstract="false" name="FinancingReceivableRatioOfGradeClassToGrossLoansRevolving" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ax_AccumulatedOtherComprehensiveIncomeLossOtherThanTemporaryImpairmentAvailableForSaleDebtSecuritiesNetUnrealizedGains" abstract="false" name="AccumulatedOtherComprehensiveIncomeLossOtherThanTemporaryImpairmentAvailableForSaleDebtSecuritiesNetUnrealizedGains" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_DerivativeInstrumentCashCollateralReceived" abstract="false" name="DerivativeInstrumentCashCollateralReceived" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_AccumulatedOtherComprehensiveIncomeLossOtherthanTemporaryImpairmentNotCreditLossBeforeTaxAvailableforSaleDebtSecurities" abstract="false" name="AccumulatedOtherComprehensiveIncomeLossOtherthanTemporaryImpairmentNotCreditLossBeforeTaxAvailableforSaleDebtSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_BrokerDealerFeeIncome" abstract="false" name="BrokerDealerFeeIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_RevenueNotFromContractWithCustomerCardFeesForTheNonInterestIncome" abstract="false" name="RevenueNotFromContractWithCustomerCardFeesForTheNonInterestIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_OtherRealEstateOwnedSingleFamilyMember" abstract="true" name="OtherRealEstateOwnedSingleFamilyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ax_NonAgencyResidentialMortgageBackedSecuritiesMember" abstract="true" name="NonAgencyResidentialMortgageBackedSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ax_InterestRateTypeAxis" abstract="true" name="InterestRateTypeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="ax_SalesCommitmentMember" abstract="true" name="SalesCommitmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ax_FederalReserveBankAdvancesCollateralPledged" abstract="false" name="FederalReserveBankAdvancesCollateralPledged" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_LoansHeldForSaleFairValueAdjustment" abstract="false" name="LoansHeldForSaleFairValueAdjustment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_InterestRateTypeDomain" abstract="true" name="InterestRateTypeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ax_IntangibleAndOtherAssetsMember" abstract="true" name="IntangibleAndOtherAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ax_ResidentialPortfolioMultifamilyRealEstateAndCommercialMortgageSegmentMember" abstract="true" name="ResidentialPortfolioMultifamilyRealEstateAndCommercialMortgageSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ax_BankingBusinessSegmentMember" abstract="true" name="BankingBusinessSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ax_PaymentsToAcquireRegulatoryAgenciesStock" abstract="false" name="PaymentsToAcquireRegulatoryAgenciesStock" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_InterestAndDividendIncomeSecuritiesBorrowedAndCustomerReceivables" abstract="false" name="InterestAndDividendIncomeSecuritiesBorrowedAndCustomerReceivables" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_ForeclosedAssetsRecreationalVehicleandAutoMember" abstract="true" name="ForeclosedAssetsRecreationalVehicleandAutoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ax_PayablesToTradeBrokersDealersAndClearingOrganizations" abstract="false" name="PayablesToTradeBrokersDealersAndClearingOrganizations" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_FinancingReceivableRatioOfNonperformingLoansConsideredTDRs" abstract="false" name="FinancingReceivableRatioOfNonperformingLoansConsideredTDRs" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ax_AccumulatedOtherComprehensiveIncomeLossInvestmentSecuritiesTaxExpenseBenefit" abstract="false" name="AccumulatedOtherComprehensiveIncomeLossInvestmentSecuritiesTaxExpenseBenefit" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_FinancingReceivableRatioOfGradeClassToGrossLoansOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableRatioOfGradeClassToGrossLoansOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ax_NoninterestIncomeAdvisoryFees" abstract="false" name="NoninterestIncomeAdvisoryFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionFairValueAbstract" abstract="true" name="DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionFairValueAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ax_OccupancyAndEquipmentExpense" abstract="false" name="OccupancyAndEquipmentExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_LoansHeldForSaleContractualBalanceIncludingAccruedInterest" abstract="false" name="LoansHeldForSaleContractualBalanceIncludingAccruedInterest" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_AccumulatedOtherComprehensiveIncomeLossInvestmentSecuritiesBeforeTax" abstract="false" name="AccumulatedOtherComprehensiveIncomeLossInvestmentSecuritiesBeforeTax" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_CorporateAndReconcilingItemsMember" abstract="true" name="CorporateAndReconcilingItemsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ax_FinancingReceivableRatioOfGradeClassToGrossLoansYearOneOriginatedCurrentFiscalYear" abstract="false" name="FinancingReceivableRatioOfGradeClassToGrossLoansYearOneOriginatedCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ax_FinancingReceivableRatioOfGradeClassToGrossLoansYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableRatioOfGradeClassToGrossLoansYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ax_OtherPortfolioSegmentMember" abstract="true" name="OtherPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ax_InterestExpenseSecuritiesLoaned" abstract="false" name="InterestExpenseSecuritiesLoaned" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_FinancingReceivableInterestIncomePerformingLoansTemporarilyModifiedAsTDRs" abstract="false" name="FinancingReceivableInterestIncomePerformingLoansTemporarilyModifiedAsTDRs" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_PrepaymentPenaltyFeeIncome" abstract="false" name="PrepaymentPenaltyFeeIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_NoninterestIncomeBrokerDealerClearingFees" abstract="false" name="NoninterestIncomeBrokerDealerClearingFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_FinancingReceivableRealEstateLoansLoanToValueRatioEffectiveWeightedAverage" abstract="false" name="FinancingReceivableRealEstateLoansLoanToValueRatioEffectiveWeightedAverage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ax_OperatingLeaseLiabilityObtainedInExchangeForRightOfUseAsset" abstract="false" name="OperatingLeaseLiabilityObtainedInExchangeForRightOfUseAsset" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_FairValueLoansHeldForSaleTableTextBlock" abstract="false" name="FairValueLoansHeldForSaleTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ax_StockIncentivePlan2014Member" abstract="true" name="StockIncentivePlan2014Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ax_LoansHeldForSaleChangeInFairValue" abstract="false" name="LoansHeldForSaleChangeInFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_MUFGUnionBankVAxosBankMember" abstract="true" name="MUFGUnionBankVAxosBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ax_FixedInterestRateMember" abstract="true" name="FixedInterestRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ax_FinancingReceivableTDRsWithTimelyPaymentsConsideredNonperformingTerm" abstract="false" name="FinancingReceivableTDRsWithTimelyPaymentsConsideredNonperformingTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ax_RealEstateLoanPortfoliosMember" abstract="true" name="RealEstateLoanPortfoliosMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ax_MortgageServicingRightsMember" abstract="true" name="MortgageServicingRightsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ax_NoninterestIncomeDepositServiceFees" abstract="false" name="NoninterestIncomeDepositServiceFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_OtherRealEstateOwnedMultifamilyMember" abstract="true" name="OtherRealEstateOwnedMultifamilyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ax_AccumulatedOtherComprehensiveIncomeLossInvestmentSecuritiesNetOfTax" abstract="false" name="AccumulatedOtherComprehensiveIncomeLossInvestmentSecuritiesNetOfTax" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_FinancingReceivableRatioOfGradeClassToGrossLoansYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableRatioOfGradeClassToGrossLoansYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ax_FinancingReceivableRealEstateLoansLoanToValueRatioMedian" abstract="false" name="FinancingReceivableRealEstateLoansLoanToValueRatioMedian" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ax_LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" abstract="false" name="LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_FinancingReceivableRatioOfGradeClassToGrossLoansYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableRatioOfGradeClassToGrossLoansYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ax_RevenueNotFromContractWithCustomerBankruptcyTrusteeAndFiduciaryServiceFees" abstract="false" name="RevenueNotFromContractWithCustomerBankruptcyTrusteeAndFiduciaryServiceFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_RevenueNotFromContractWithCustomerNonInterestIncomeInScope" abstract="false" name="RevenueNotFromContractWithCustomerNonInterestIncomeInScope" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossFairValueDisclosure" abstract="false" name="FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
