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  <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_InterestExpenseFederalHomeLoanBankAdvances" abstract="false" name="InterestExpenseFederalHomeLoanBankAdvances" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_BrokerDealerFeeIncome" abstract="false" name="BrokerDealerFeeIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_FeesAndCommissionsMortgageBankingAndServicingIncomeExpense" abstract="false" name="FeesAndCommissionsMortgageBankingAndServicingIncomeExpense" 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_OccupancyAndEquipmentExpense" abstract="false" name="OccupancyAndEquipmentExpense" 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_SharebasedCompensationRequisiteServicePeriodRecognitionandStockIssuedDuringPeriodValueRestrictedStockAwardNetofForfeitures" abstract="false" name="SharebasedCompensationRequisiteServicePeriodRecognitionandStockIssuedDuringPeriodValueRestrictedStockAwardNetofForfeitures" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ProceedsFromSaleOfRegulatoryAgenciesStock" abstract="false" name="ProceedsFromSaleOfRegulatoryAgenciesStock" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_ProceedsFromRepaymentsOfFederalHomeLoanBankOtherAdvances" abstract="false" name="ProceedsFromRepaymentsOfFederalHomeLoanBankOtherAdvances" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_OperatingLeaseLiabilityObtainedInExchangeForRightOfUseAsset" abstract="false" name="OperatingLeaseLiabilityObtainedInExchangeForRightOfUseAsset" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_BalanceSheetOffsettingOfDerivativesAndSecuritiesFinancingAgreementsTextBlock" abstract="false" name="BalanceSheetOffsettingOfDerivativesAndSecuritiesFinancingAgreementsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="ax_BusinessCombinationLoansAndLeasesAcquiredTableTextBlock" abstract="false" name="BusinessCombinationLoansAndLeasesAcquiredTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="ax_FairValueLoansHeldForSaleTableTextBlock" abstract="false" name="FairValueLoansHeldForSaleTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <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_ScheduleOfLoansPerformingAndNonPerformingTableTextBlock" abstract="false" name="ScheduleOfLoansPerformingAndNonPerformingTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="ax_InvestmentProgramProportionalAmortizationMethodElectedTableTextBlock" abstract="false" name="InvestmentProgramProportionalAmortizationMethodElectedTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <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_NumberOfLendingRelatedTrustEntities" abstract="false" name="NumberOfLendingRelatedTrustEntities" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ax_NumberOfLoanPortfolioSegments" abstract="false" name="NumberOfLoanPortfolioSegments" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ax_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossDiscountToPar" abstract="false" name="FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossDiscountToPar" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ax_VerdantCommercialCapitalLLCMember" abstract="true" name="VerdantCommercialCapitalLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ax_BusinessCombinationConsiderationTransferredAdjustedValueAcquiree" abstract="false" name="BusinessCombinationConsiderationTransferredAdjustedValueAcquiree" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_VerdantMember" abstract="true" name="VerdantMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ax_CapitalOneNationalAssociationMember" abstract="true" name="CapitalOneNationalAssociationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ax_BusinessCombinationContingentConsiderationLiabilityPeriod" abstract="false" name="BusinessCombinationContingentConsiderationLiabilityPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ax_BusinessCombinationContingentConsiderationLiabilityGross" abstract="false" name="BusinessCombinationContingentConsiderationLiabilityGross" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_BusinessCombinationProFormaInformationProFormaAdjustment" abstract="false" name="BusinessCombinationProFormaInformationProFormaAdjustment" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_AssetAcquisitionConsiderationTransferredDeposits" abstract="false" name="AssetAcquisitionConsiderationTransferredDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_BusinessCombinationRecognizedAssetAcquiredRestrictedCash" abstract="false" name="BusinessCombinationRecognizedAssetAcquiredRestrictedCash" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_BusinessCombinationRecognizedAssetAcquiredFinancingReceivable" abstract="false" name="BusinessCombinationRecognizedAssetAcquiredFinancingReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_BusinessCombinationRecognizedAssetAcquiredIdentifiableIntangibleAssetsAndGoodwill" abstract="false" name="BusinessCombinationRecognizedAssetAcquiredIdentifiableIntangibleAssetsAndGoodwill" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_BusinessCombinationRecognizedLiabilityAssumedSecuredDebt" abstract="false" name="BusinessCombinationRecognizedLiabilityAssumedSecuredDebt" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_BusinessCombinationRecognizedLiabilityAssumedAccountsPayableAndOtherLiabilities" abstract="false" name="BusinessCombinationRecognizedLiabilityAssumedAccountsPayableAndOtherLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_BusinessCombinationConsiderationTransferredPaymentsToSettleDebt" abstract="false" name="BusinessCombinationConsiderationTransferredPaymentsToSettleDebt" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_VendorRelationshipMember" abstract="true" name="VendorRelationshipMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ax_BusinessAcquisitionsProFormaNonInterestIncome" abstract="false" name="BusinessAcquisitionsProFormaNonInterestIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_AgencyResidentialMortgageBackedSecuritiesMember" abstract="true" name="AgencyResidentialMortgageBackedSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ax_NonAgencyResidentialMortgageBackedSecuritiesMember" abstract="true" name="NonAgencyResidentialMortgageBackedSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ax_LoansHeldForInvestmentAtFairValueMember" abstract="true" name="LoansHeldForInvestmentAtFairValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ax_VariationMarginOnCentrallyClearedDerivatives" abstract="false" name="VariationMarginOnCentrallyClearedDerivatives" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_MortgageServicingRightsMember" abstract="true" name="MortgageServicingRightsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ax_AccountsPayableAndOtherLiabilitiesMember" abstract="true" name="AccountsPayableAndOtherLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ax_AccountsPayableAndOtherLiabilitiesContingentConsiderationMember" abstract="true" name="AccountsPayableAndOtherLiabilitiesContingentConsiderationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_MeasurementInputProbabilityMember" abstract="true" name="MeasurementInputProbabilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ax_MeasurementInputRecoveryRateMember" abstract="true" name="MeasurementInputRecoveryRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ax_MeasurementInputMonthlyAssetGrowthMember" abstract="true" name="MeasurementInputMonthlyAssetGrowthMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_LoansHeldForSaleInterestIncome" abstract="false" name="LoansHeldForSaleInterestIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_LoansHeldForSaleChangeInFairValueTotal" abstract="false" name="LoansHeldForSaleChangeInFairValueTotal" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_OtherAssetsLoansHeldForInvestmentFairValue" abstract="false" name="OtherAssetsLoansHeldForInvestmentFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_SecuredDebtFairValueDisclosure" abstract="false" name="SecuredDebtFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" 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_FederalReserveBankAdvancesCollateralPledged" abstract="false" name="FederalReserveBankAdvancesCollateralPledged" nillable="true" xbrli:periodType="instant" 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_ResidentialPortfolioSingleFamilyRealEstateSegmentMember" abstract="true" name="ResidentialPortfolioSingleFamilyRealEstateSegmentMember" 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-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_FinancingReceivableRealEstateLoansLoanToValueRatioMedian" abstract="false" name="FinancingReceivableRealEstateLoansLoanToValueRatioMedian" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ax_FinancingReceivableRatioOfGradeClassToGrossLoansAbstract" abstract="true" name="FinancingReceivableRatioOfGradeClassToGrossLoansAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ax_FinancingReceivableRatioOfGradeClassToGrossLoansYearOneOriginatedCurrentFiscalYear" abstract="false" name="FinancingReceivableRatioOfGradeClassToGrossLoansYearOneOriginatedCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ax_FinancingReceivableRatioOfGradeClassToGrossLoansYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableRatioOfGradeClassToGrossLoansYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ax_FinancingReceivableRatioOfGradeClassToGrossLoansYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableRatioOfGradeClassToGrossLoansYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ax_FinancingReceivableRatioOfGradeClassToGrossLoansYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableRatioOfGradeClassToGrossLoansYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ax_FinancingReceivableRatioOfGradeClassToGrossLoansYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableRatioOfGradeClassToGrossLoansYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ax_FinancingReceivableRatioOfGradeClassToGrossLoansOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableRatioOfGradeClassToGrossLoansOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ax_FinancingReceivableRatioOfGradeClassToGrossLoansRevolving" abstract="false" name="FinancingReceivableRatioOfGradeClassToGrossLoansRevolving" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ax_FinancingReceivableRatioOfGradeClassToGrossLoans" abstract="false" name="FinancingReceivableRatioOfGradeClassToGrossLoans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ax_FinancingReceivableRecordedInvestmentPastDueAsAPercentOfGrossLoans" abstract="false" name="FinancingReceivableRecordedInvestmentPastDueAsAPercentOfGrossLoans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ax_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumerationNotDisclosedFlag" abstract="false" name="DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumerationNotDisclosedFlag" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ax_SecurityBorrowedSubjectToMasterNettingArrangementCollateralObligationToReturnSecurityOffset" abstract="false" name="SecurityBorrowedSubjectToMasterNettingArrangementCollateralObligationToReturnSecurityOffset" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_SecurityBorrowedSubjectToMasterNettingArrangementCollateralObligationToReturnCashOffset" abstract="false" name="SecurityBorrowedSubjectToMasterNettingArrangementCollateralObligationToReturnCashOffset" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnSecurityOffset" abstract="false" name="DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnSecurityOffset" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashOffset" abstract="false" name="DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashOffset" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_SecurityLoanedSubjectToMasterNettingArrangementCollateralRightToReclaimSecurityOffset" abstract="false" name="SecurityLoanedSubjectToMasterNettingArrangementCollateralRightToReclaimSecurityOffset" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_SecurityLoanedSubjectToMasterNettingArrangementCollateralRightToReclaimCashOffset" abstract="false" name="SecurityLoanedSubjectToMasterNettingArrangementCollateralRightToReclaimCashOffset" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_DerivativeLiabilitySubjectToMasterNettingArrangementCollateralRightToReclaimSecurityOffset" abstract="false" name="DerivativeLiabilitySubjectToMasterNettingArrangementCollateralRightToReclaimSecurityOffset" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_SaleOfStockAggregateStockOfferingAmount" abstract="false" name="SaleOfStockAggregateStockOfferingAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" 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_LowIncomeHousingTaxCreditsMember" abstract="true" name="LowIncomeHousingTaxCreditsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ax_InvestmentProgramProportionalAmortizationMethodElectedOtherIncomeLossIncludedInBankingAndServiceFees" abstract="false" name="InvestmentProgramProportionalAmortizationMethodElectedOtherIncomeLossIncludedInBankingAndServiceFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_InvestmentProgramProportionalAmortizationMethodElectedNetBenefitExpenseIncludedInEarningsLoss" abstract="false" name="InvestmentProgramProportionalAmortizationMethodElectedNetBenefitExpenseIncludedInEarningsLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_A202201SeriesClassABCDMember" abstract="true" name="A202201SeriesClassABCDMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ax_A202301SeriesClassA1A2BCDMember" abstract="true" name="A202301SeriesClassA1A2BCDMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ax_A202401SeriesClassA1A2BCDMember" abstract="true" name="A202401SeriesClassA1A2BCDMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ax_A202501SeriesClassA1A2A3BCDMember" abstract="true" name="A202501SeriesClassA1A2A3BCDMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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: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_NoninterestIncomeBrokerDealerClearingFees" abstract="false" name="NoninterestIncomeBrokerDealerClearingFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_RevenueNotFromContractWithCustomerCardFeesForTheNonInterestIncome" abstract="false" name="RevenueNotFromContractWithCustomerCardFeesForTheNonInterestIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ax_RevenueNotFromContractWithCustomerBankingAndServiceFees" abstract="false" name="RevenueNotFromContractWithCustomerBankingAndServiceFees" 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_RevenueNotFromContractWithCustomerNonInterestIncomeOutOfScope" abstract="false" name="RevenueNotFromContractWithCustomerNonInterestIncomeOutOfScope" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
