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      <link:roleType id="ACQUISITIONSSCHEDULEOFPURCHASEPRICEALLOCATIONDetails" roleURI="http://axosfinancial.com/role/ACQUISITIONSSCHEDULEOFPURCHASEPRICEALLOCATIONDetails">
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      <link:roleType id="FAIRVALUESCHEDULEOFESTIMATEDFAIRVALUESOFFINANCIALINSTRUMENTSATPERIODENDDetails" roleURI="http://axosfinancial.com/role/FAIRVALUESCHEDULEOFESTIMATEDFAIRVALUESOFFINANCIALINSTRUMENTSATPERIODENDDetails">
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      <link:roleType id="BORROWINGSSUBORDINATEDNOTESANDDEBENTURESSCHEDULEOFMATURITIESOFBORROWINGSSUBORDINATEDNOTESANDDEBENTURESDetails" roleURI="http://axosfinancial.com/role/BORROWINGSSUBORDINATEDNOTESANDDEBENTURESSCHEDULEOFMATURITIESOFBORROWINGSSUBORDINATEDNOTESANDDEBENTURESDetails">
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      <link:roleType id="BORROWINGSSUBORDINATEDNOTESANDDEBENTURESNARRATIVEDetails" roleURI="http://axosfinancial.com/role/BORROWINGSSUBORDINATEDNOTESANDDEBENTURESNARRATIVEDetails">
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      <link:roleType id="INCOMETAXESSCHEDULEOFNETDEFERREDTAXASSETDetails" roleURI="http://axosfinancial.com/role/INCOMETAXESSCHEDULEOFNETDEFERREDTAXASSETDetails">
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  <xs:element id="ax_SharebasedCompensationAwardTrancheFourMember" abstract="true" name="SharebasedCompensationAwardTrancheFourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ax_DeferredCompensationArrangementWithIndividualEmploymentAgreementPeriod" abstract="false" name="DeferredCompensationArrangementWithIndividualEmploymentAgreementPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ax_SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsGrantsinPeriodFairValue" abstract="false" name="SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsGrantsinPeriodFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_DeferredCompensationArrangementwithIndividualNumberofVestingTranchesDuringRequisiteServicePeriod" abstract="false" name="DeferredCompensationArrangementwithIndividualNumberofVestingTranchesDuringRequisiteServicePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ax_RestrictedShareGrantsAnnualVestingPercentage" abstract="false" name="RestrictedShareGrantsAnnualVestingPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ax_DeferredCompensationArrangementWithIndividualEmploymentRenewalPeriod" abstract="false" name="DeferredCompensationArrangementWithIndividualEmploymentRenewalPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ax_HistoricalDailyTradingHistoryTermEquityVolatility" abstract="false" name="HistoricalDailyTradingHistoryTermEquityVolatility" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ax_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantDateFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantDateFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_DilutiveCommonSharesIssuedAndOutstanding" abstract="false" name="DilutiveCommonSharesIssuedAndOutstanding" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ax_CommitmentsToSellLoansMember" abstract="true" name="CommitmentsToSellLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ax_CommitmentsToContributeCapitalMember" abstract="true" name="CommitmentsToContributeCapitalMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ax_FINRAArbitrationMember" abstract="true" name="FINRAArbitrationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ax_SecuritiesLoanedAvailableSecuritiesUsedAsCollateralBankLoans" abstract="false" name="SecuritiesLoanedAvailableSecuritiesUsedAsCollateralBankLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_SecuritiesLoanedAvailableSecuritiesUsedAsCollateralOCCMarginRequirements" abstract="false" name="SecuritiesLoanedAvailableSecuritiesUsedAsCollateralOCCMarginRequirements" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_SecuritiesLoanedCollateralOCCMarginRequirements" abstract="false" name="SecuritiesLoanedCollateralOCCMarginRequirements" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_TierOneCommonEquityRequiredforCapitalAdequacytoAverageAssets" abstract="false" name="TierOneCommonEquityRequiredforCapitalAdequacytoAverageAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ax_TierOneCommonEquityRequiredtobeWellCapitalizedtoAverageAssets" abstract="false" name="TierOneCommonEquityRequiredtobeWellCapitalizedtoAverageAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ax_BankingRegulationTangibleCapitalRatio" abstract="false" name="BankingRegulationTangibleCapitalRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ax_TierOneCommonEquityRequiredForCapitalAdequacyToAverageAssetsInclusiveOfTheCapitalConservationBufferRequirement" abstract="false" name="TierOneCommonEquityRequiredForCapitalAdequacyToAverageAssetsInclusiveOfTheCapitalConservationBufferRequirement" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ax_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssetsInclusiveOfTheCapitalConservationBufferRequirement" abstract="false" name="TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssetsInclusiveOfTheCapitalConservationBufferRequirement" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ax_CapitalRequiredForCapitalAdequacyToRiskWeightedAssetsInclusiveOfTheCapitalConservationBufferRequirement" abstract="false" name="CapitalRequiredForCapitalAdequacyToRiskWeightedAssetsInclusiveOfTheCapitalConservationBufferRequirement" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ax_TierOneCommonEquity" abstract="false" name="TierOneCommonEquity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_TotalAverageAdjustedAssets" abstract="false" name="TotalAverageAdjustedAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_RegulatoryCapitalRatiosAbstract" abstract="true" name="RegulatoryCapitalRatiosAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ax_TierOneCommonEquityToAverageAssets" abstract="false" name="TierOneCommonEquityToAverageAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ax_DefinedContributionPlanNumberOfPlans" abstract="false" name="DefinedContributionPlanNumberOfPlans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ax_InvestmentsInAndAdvanceToAffiliatesNonSubsidiariesAssociatesAndJointVentures" abstract="false" name="InvestmentsInAndAdvanceToAffiliatesNonSubsidiariesAssociatesAndJointVentures" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_NoninterestExpenseandIncomeTaxBenefit" abstract="false" name="NoninterestExpenseandIncomeTaxBenefit" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_IncomeLossBeforeDividendsFromSubsidiaryAndEquityInUndistributedIncomeOfSubsidiary" abstract="false" name="IncomeLossBeforeDividendsFromSubsidiaryAndEquityInUndistributedIncomeOfSubsidiary" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_DividendsFromSubsidiary" abstract="false" name="DividendsFromSubsidiary" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_DividendsFromNonSubsidiary" abstract="false" name="DividendsFromNonSubsidiary" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_EquityInUndistributedEarningsOfSubsidiary" abstract="false" name="EquityInUndistributedEarningsOfSubsidiary" nillable="true" xbrli:periodType="duration" 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-types:domainItemType"/>
  <xs:element id="ax_BankingBusinessSegmentMember" abstract="true" name="BankingBusinessSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ax_SecuritiesBusinessSegmentMember" abstract="true" name="SecuritiesBusinessSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
