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  <xsd:element id="bofi_EmployeeServiceSharebasedCompensationNonvestedAwardsTotalCompensationCostNotyetRecognizedYearFour" name="EmployeeServiceSharebasedCompensationNonvestedAwardsTotalCompensationCostNotyetRecognizedYearFour" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bofi_EmployeesandDirectorsMember" name="EmployeesandDirectorsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_EquityInUndistributedEarningsOfSubsidiary" name="EquityInUndistributedEarningsOfSubsidiary" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_FactoringMember" name="FactoringMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_FairValueGainOnTradingSecuritiesMember" name="FairValueGainOnTradingSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_FairValueInputsDiscountRateDescriptionOfVariableRateBasis" name="FairValueInputsDiscountRateDescriptionOfVariableRateBasis" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_FairValueInputsUnemploymentRate" name="FairValueInputsUnemploymentRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_FairValueLoansHeldForSaleTableTextBlock" name="FairValueLoansHeldForSaleTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_FdicAndPrimaryFederalRegulatorFees" name="FdicAndPrimaryFederalRegulatorFees" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bofi_FederalHomeLoanBankAdvancesGeneralDebtObligationsAmountAvailableIncludingWithAdditionalCollateralTerm" name="FederalHomeLoanBankAdvancesGeneralDebtObligationsAmountAvailableIncludingWithAdditionalCollateralTerm" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_FederalHomeLoanBankMaximumAmountsAdvancedDuringPeriod" name="FederalHomeLoanBankMaximumAmountsAdvancedDuringPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bofi_FederalHomeLoanBankStockRequirementPolicyTextBlock" name="FederalHomeLoanBankStockRequirementPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_FicoScore660699Member" name="FicoScore660699Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_FicoScore700714Member" name="FicoScore700714Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_FicoScore715769Member" name="FicoScore715769Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_FicoScoreGreaterThanOrEqualTo770Member" name="FicoScoreGreaterThanOrEqualTo770Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_FicoScoreLessThan660Member" name="FicoScoreLessThan660Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_FinancingReceivableAccruedInterestAndOriginationFeesIndividuallyEvaluatedForImpairmentRatioToAllLoans" name="FinancingReceivableAccruedInterestAndOriginationFeesIndividuallyEvaluatedForImpairmentRatioToAllLoans" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_FinancingReceivableAllowanceforCreditLossesIndividuallyEvaluatedforImpairmentGeneralAllowance" name="FinancingReceivableAllowanceforCreditLossesIndividuallyEvaluatedforImpairmentGeneralAllowance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bofi_FinancingReceivableAllowanceforCreditLossesIndividuallyEvaluatedforImpairmentSpecificAllowance" name="FinancingReceivableAllowanceforCreditLossesIndividuallyEvaluatedforImpairmentSpecificAllowance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bofi_FinancingReceivableAverageRecordedInvestmentNonaccrualStatus" name="FinancingReceivableAverageRecordedInvestmentNonaccrualStatus" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bofi_FinancingReceivableChargeOffIndividuallyEvaluatedForImpairmentRatioToAllLoans" name="FinancingReceivableChargeOffIndividuallyEvaluatedForImpairmentRatioToAllLoans" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bofi_FinancingReceivableEvaluatedIndividuallyForImpairmentAsaPercentageofGrossLoansAbstract" name="FinancingReceivableEvaluatedIndividuallyForImpairmentAsaPercentageofGrossLoansAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_FinancingReceivableEvaluatedIndividuallyForImpairmentWithNoRelatedAllowanceRecordedAbstract" name="FinancingReceivableEvaluatedIndividuallyForImpairmentWithNoRelatedAllowanceRecordedAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_FinancingReceivableEvaluatedIndividuallyForImpairmentWithRelatedAllowanceRecordedAbstract" name="FinancingReceivableEvaluatedIndividuallyForImpairmentWithRelatedAllowanceRecordedAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_FinancingReceivableModificationsAverageRecordedInvestmentAccruingLoans" name="FinancingReceivableModificationsAverageRecordedInvestmentAccruingLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bofi_FinancingReceivableModificationsInterestIncomeRecognizedAccruingLoans" name="FinancingReceivableModificationsInterestIncomeRecognizedAccruingLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bofi_FinancingReceivableModificationsPeriodofDelinquentPropertyTaxesRepaidbyBorrower" name="FinancingReceivableModificationsPeriodofDelinquentPropertyTaxesRepaidbyBorrower" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_FinancingReceivableModificationsPeriodofInterestOnlyPaymentsMadebyBorrowersThatRevertedLoanBackToFullyAmortizing" name="FinancingReceivableModificationsPeriodofInterestOnlyPaymentsMadebyBorrowersThatRevertedLoanBackToFullyAmortizing" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_FinancingReceivableModificationsRecordedInvestmentAccruing" name="FinancingReceivableModificationsRecordedInvestmentAccruing" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bofi_FinancingReceivableModificationsRecordedInvestmentNonaccrualStatus" name="FinancingReceivableModificationsRecordedInvestmentNonaccrualStatus" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bofi_FinancingReceivablePerformingLoansTemporarilyModifiedasTDR" name="FinancingReceivablePerformingLoansTemporarilyModifiedasTDR" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bofi_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDuePlusOtherNonaccrualLoans" name="FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDuePlusOtherNonaccrualLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bofi_FinancingReceivableRecordedInvestmentLoansSecuredByRealEstateNonaccrualStatus" name="FinancingReceivableRecordedInvestmentLoansSecuredByRealEstateNonaccrualStatus" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bofi_FinancingReceivableRecordedInvestmentPastDueAsPercentOfGrossLoans" name="FinancingReceivableRecordedInvestmentPastDueAsPercentOfGrossLoans" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_FinancingReceivableUnpaidBookBalanceIndividuallyEvaluatedForImpairmentRatioToAllLoans" name="FinancingReceivableUnpaidBookBalanceIndividuallyEvaluatedForImpairmentRatioToAllLoans" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_FinancingReceivableUnpaidPrincipalBalanceIndividuallyEvaluatedForImpairmentRatioToAllLoans" name="FinancingReceivableUnpaidPrincipalBalanceIndividuallyEvaluatedForImpairmentRatioToAllLoans" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_FinancingReceivableWithNoRelatedAllowanceAccruedInterestAndOriginationFeesIndividuallyEvaluatedForImpairment" name="FinancingReceivableWithNoRelatedAllowanceAccruedInterestAndOriginationFeesIndividuallyEvaluatedForImpairment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bofi_FinancingReceivableWithNoRelatedAllowanceChargeOffIndividuallyEvaluatedForImpairment" name="FinancingReceivableWithNoRelatedAllowanceChargeOffIndividuallyEvaluatedForImpairment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bofi_FinancingReceivableWithNoRelatedAllowanceUnpaidBookBalanceIndividuallyEvaluatedForImpairment" name="FinancingReceivableWithNoRelatedAllowanceUnpaidBookBalanceIndividuallyEvaluatedForImpairment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bofi_FinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalanceIndividuallyEvaluatedForImpairment" name="FinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalanceIndividuallyEvaluatedForImpairment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bofi_FinancingReceivableWithRelatedAllowanceAccruedInterestAndOriginationFeesIndividuallyEvaluatedForImpairment" name="FinancingReceivableWithRelatedAllowanceAccruedInterestAndOriginationFeesIndividuallyEvaluatedForImpairment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bofi_FinancingReceivableWithRelatedAllowanceChargeOffIndividuallyEvaluatedForImpairment" name="FinancingReceivableWithRelatedAllowanceChargeOffIndividuallyEvaluatedForImpairment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bofi_FinancingReceivableWithRelatedAllowanceUnpaidBookBalanceIndividuallyEvaluatedForImpairment" name="FinancingReceivableWithRelatedAllowanceUnpaidBookBalanceIndividuallyEvaluatedForImpairment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bofi_FinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalanceIndividuallyEvaluatedForImpairment" name="FinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalanceIndividuallyEvaluatedForImpairment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bofi_FixedInterestRateMember" name="FixedInterestRateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_ForeclosedAssetsRecreationalVehicleandAutoMember" name="ForeclosedAssetsRecreationalVehicleandAutoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_FurnitureEquipmentandSoftwareEstimatedUsefulLives" name="FurnitureEquipmentandSoftwareEstimatedUsefulLives" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_FurnitureEquipmentandSoftwareThresholdForCapitalization" name="FurnitureEquipmentandSoftwareThresholdForCapitalization" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bofi_GainOnSalesOfLoansHeldForSale" name="GainOnSalesOfLoansHeldForSale" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bofi_GainsLossesOnSaleOfOtherRealEstateAndForeclosedAssets" name="GainsLossesOnSaleOfOtherRealEstateAndForeclosedAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_HandRBlockBankDepositsMember" name="HandRBlockBankDepositsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_HeldToMaturityAndAvailableForSaleSecuritiesPledgedAsCollateral" name="HeldToMaturityAndAvailableForSaleSecuritiesPledgedAsCollateral" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bofi_ImmaterialErrorCorrectionMember" name="ImmaterialErrorCorrectionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_ImpairedFinancingReceivableFairValueDisclosure" name="ImpairedFinancingReceivableFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bofi_ImpairedFinancingReceivableRecordedInvestmentIndividuallyEvaluatedForImpairmentIncludingAccruedInterestAndUnaccretedDiscountsAndLoanFeesRatioToAllLoans" name="ImpairedFinancingReceivableRecordedInvestmentIndividuallyEvaluatedForImpairmentIncludingAccruedInterestAndUnaccretedDiscountsAndLoanFeesRatioToAllLoans" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_ImpairedFinancingReceivableRecordedInvestmentWriteDowns" name="ImpairedFinancingReceivableRecordedInvestmentWriteDowns" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bofi_ImpairedFinancingReceivableRelatedGeneralAllowance" name="ImpairedFinancingReceivableRelatedGeneralAllowance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bofi_ImpairedFinancingReceivableRelatedGeneralAllowanceRatiotoGrossLoans" name="ImpairedFinancingReceivableRelatedGeneralAllowanceRatiotoGrossLoans" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_ImpairedFinancingReceivableRelatedSpecificAllowance" name="ImpairedFinancingReceivableRelatedSpecificAllowance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bofi_ImpairedFinancingReceivableRelatedSpecificAllowanceRatiotoGrossLoans" name="ImpairedFinancingReceivableRelatedSpecificAllowanceRatiotoGrossLoans" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestmentIndividuallyEvaluatedForImpairmentIncludingAccruedInterestAndUnaccretedDiscountsAndLoanFees" name="ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestmentIndividuallyEvaluatedForImpairmentIncludingAccruedInterestAndUnaccretedDiscountsAndLoanFees" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bofi_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestmentIndividuallyEvaluatedForImpairmentIncludingAccruedInterestAndUnaccretedDiscountsAndLoanFees" name="ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestmentIndividuallyEvaluatedForImpairmentIncludingAccruedInterestAndUnaccretedDiscountsAndLoanFees" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bofi_ImpairedLoansMeasurementInput" name="ImpairedLoansMeasurementInput" nillable="true" substitutionGroup="xbrli:item" type="xbrli:decimalItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bofi_InHouseOriginatedLoansMember" name="InHouseOriginatedLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_IncomeLossBeforeDividendsFromSubsidiaryAndEquityInUndistributedIncomeOfSubsidiary" name="IncomeLossBeforeDividendsFromSubsidiaryAndEquityInUndistributedIncomeOfSubsidiary" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bofi_InterestBearingDepositTimeDepositsBrokered" name="InterestBearingDepositTimeDepositsBrokered" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bofi_InterestExpenseFederalHomeLoanBankAdvances" name="InterestExpenseFederalHomeLoanBankAdvances" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bofi_InterestIncomePerformingLoansTemporarilyModifiedAsTdrs" name="InterestIncomePerformingLoansTemporarilyModifiedAsTdrs" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bofi_InterestRateRiskPolicyPolicyTextBlock" name="InterestRateRiskPolicyPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_InterestRateTypeAxis" name="InterestRateTypeAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_LifeInsuranceBankOwnedPolicyTextBlock" name="LifeInsuranceBankOwnedPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_LineOfCreditNumberOfBanks" name="LineOfCreditNumberOfBanks" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bofi_LoanPurchaseAndOriginationCommitmentsMember" name="LoanPurchaseAndOriginationCommitmentsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_LoanSourceAxis" name="LoanSourceAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_LoanToValueLessThanOrEqualTo50Member" name="LoanToValueLessThanOrEqualTo50Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_LoanToValueLessThanOrEqualTo55Member" name="LoanToValueLessThanOrEqualTo55Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_LoanToValueRatio5160Member" name="LoanToValueRatio5160Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_LoanToValueRatio5665Member" name="LoanToValueRatio5665Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_LoanToValueRatio6170Member" name="LoanToValueRatio6170Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_LoanToValueRatio6675Member" name="LoanToValueRatio6675Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_LoanToValueRatio7180Member" name="LoanToValueRatio7180Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_LoanToValueRatioGreaterThan80Member" name="LoanToValueRatioGreaterThan80Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_LoanToValueRatioLessThanOrEqualTo60Member" name="LoanToValueRatioLessThanOrEqualTo60Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_LoanToValueRatioRange7680Member" name="LoanToValueRatioRange7680Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_LoanToValueRatioRangeAxis" name="LoanToValueRatioRangeAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_LoanToValueRatioRangeDomain" name="LoanToValueRatioRangeDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_LoansAndLeasesReceivableInterestOnly" name="LoansAndLeasesReceivableInterestOnly" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bofi_LoansAndLeasesReceivableLoansByInterestRateTypePercent" name="LoansAndLeasesReceivableLoansByInterestRateTypePercent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_LoansAndLeasesReceivableOptionAdjustableRate" name="LoansAndLeasesReceivableOptionAdjustableRate" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bofi_LoansAndLeasesReceivableRatioOfGradeClassToGrossLoans" name="LoansAndLeasesReceivableRatioOfGradeClassToGrossLoans" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_LoansAndLeasesReceivableRatioOfNonperformingLoansConsideredTdrs" name="LoansAndLeasesReceivableRatioOfNonperformingLoansConsideredTdrs" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_LoansAndLeasesReceivableRatioOfPortfolioSegmentToNonperformingLoans" name="LoansAndLeasesReceivableRatioOfPortfolioSegmentToNonperformingLoans" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_LoansAndLeasesReceivableRelatedPartiesInterestEarned" name="LoansAndLeasesReceivableRelatedPartiesInterestEarned" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bofi_LoansAndLeasesReceivableRelatedPartiesNumberOfLoansAdditions" name="LoansAndLeasesReceivableRelatedPartiesNumberOfLoansAdditions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_LoansAndLeasesReceivableRelatedPartiesPrincipalPaymentsReceivedDuringPeriod" name="LoansAndLeasesReceivableRelatedPartiesPrincipalPaymentsReceivedDuringPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bofi_LoansAndLeasesReceivableTdrsWithTimelyPaymentsConsideredNonperformingTerm" name="LoansAndLeasesReceivableTdrsWithTimelyPaymentsConsideredNonperformingTerm" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_LoansAndLeasesReceivableValueAfterWriteDownsOfOriginalAppraisedValuePercent" name="LoansAndLeasesReceivableValueAfterWriteDownsOfOriginalAppraisedValuePercent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_LoansHeldForSaleCarriedAtFairValue" name="LoansHeldForSaleCarriedAtFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bofi_LoansHeldForSaleChangeInFairValue" name="LoansHeldForSaleChangeInFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bofi_LoansHeldForSaleChangeInFairValueTotal" name="LoansHeldForSaleChangeInFairValueTotal" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bofi_LoansHeldForSaleContractualBalanceIncludingAccruedInterest" name="LoansHeldForSaleContractualBalanceIncludingAccruedInterest" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bofi_LoansHeldForSaleFairValueAdjustment" name="LoansHeldForSaleFairValueAdjustment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bofi_LoansHeldForSaleInterestIncome" name="LoansHeldForSaleInterestIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bofi_LoansHeldForSaleLowerOfCostOrFairValue" name="LoansHeldForSaleLowerOfCostOrFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bofi_LoansHeldforsaleSoldCashNotReceived" name="LoansHeldforsaleSoldCashNotReceived" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bofi_LoansParticipationsPurchasedServicedByOthers" name="LoansParticipationsPurchasedServicedByOthers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bofi_LoansParticipationsPurchasedServicedByOthersRatioToAllLoans" name="LoansParticipationsPurchasedServicedByOthersRatioToAllLoans" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_LoansandLeasesInterestAndDividendIncomeRetainerPercentageFee" name="LoansandLeasesInterestAndDividendIncomeRetainerPercentageFee" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_LoansandLeasesReceivableLoantoValueRatio" name="LoansandLeasesReceivableLoantoValueRatio" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_LoansandLeasesReceivableSegmentRiskCharacteristicsPolicyTextBlock" name="LoansandLeasesReceivableSegmentRiskCharacteristicsPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_LoansandLeasesReceivableTerm" name="LoansandLeasesReceivableTerm" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_LossContingencyPendingClaimsConsolidatedNumber" name="LossContingencyPendingClaimsConsolidatedNumber" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bofi_MarketApproachAndIncomeApproachValuationTechniqueMember" name="MarketApproachAndIncomeApproachValuationTechniqueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_MeasurementInputAppraisedValueandComparabilityAdjustmentMember" name="MeasurementInputAppraisedValueandComparabilityAdjustmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_MortgageServiceBankingIncome" name="MortgageServiceBankingIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_MortgageServicingRightsMember" name="MortgageServicingRightsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_NationwideBankMember" name="NationwideBankMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_NonAgencyResidentialMortgageBackedSecuritiesMember" name="NonAgencyResidentialMortgageBackedSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_NonAgencyRmbsMezzanineZTrancheSecuritiesMember" name="NonAgencyRmbsMezzanineZTrancheSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_NonAgencyRmbsSeniorSupportSecuritiesMember" name="NonAgencyRmbsSeniorSupportSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_NonAgencyRmbsSuperSeniorSecuritiesMember" name="NonAgencyRmbsSuperSeniorSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_NoninterestExpenseandIncomeTaxBenefit" name="NoninterestExpenseandIncomeTaxBenefit" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_NonperformingFinancingReceivableCommercialandIndustrialMember" name="NonperformingFinancingReceivableCommercialandIndustrialMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_NonperformingFinancingReceivableHomeEquityMember" name="NonperformingFinancingReceivableHomeEquityMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_NonperformingFinancingReceivableMultifamilyMember" name="NonperformingFinancingReceivableMultifamilyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_NonperformingFinancingReceivableOtherLoansMember" name="NonperformingFinancingReceivableOtherLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_NonperformingFinancingReceivableRecreationalVehicleAndAutoMember" name="NonperformingFinancingReceivableRecreationalVehicleAndAutoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_NonperformingFinancingReceivableSingleFamilyMember" name="NonperformingFinancingReceivableSingleFamilyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_NumberOfStockIncentivePlans" name="NumberOfStockIncentivePlans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_OccupancyAndEquipmentExpense" name="OccupancyAndEquipmentExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bofi_OffBalanceSheetActivitiesTextBlock" name="OffBalanceSheetActivitiesTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_OffBalanceSheetRiskRatioOfCommitmentsToOriginateLoansToCommitmentsToSell" name="OffBalanceSheetRiskRatioOfCommitmentsToOriginateLoansToCommitmentsToSell" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_OfferingPricePublicOffering" name="OfferingPricePublicOffering" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bofi_OriginationOfLoansNet" name="OriginationOfLoansNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_OtherCommitmentAxis" name="OtherCommitmentAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_OtherCommitmentTypeDomain" name="OtherCommitmentTypeDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_OtherLoanMember" name="OtherLoanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_OtherNonAgencyResidentialMortgageBackedSecuritiesMember" name="OtherNonAgencyResidentialMortgageBackedSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_OtherRealEstateOwnedAndForeclosedAssetsFairValueDisclosure" name="OtherRealEstateOwnedAndForeclosedAssetsFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bofi_OtherRealEstateOwnedSingleFamilyMember" name="OtherRealEstateOwnedSingleFamilyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_OtherRepossessedAssetsMeasurementInput" name="OtherRepossessedAssetsMeasurementInput" nillable="true" substitutionGroup="xbrli:item" type="xbrli:decimalItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_OtherthanTemporaryImpairmentGainsInvestmentsPortioninOtherComprehensiveLossNetofTaxPortionAttributabletoParent" name="OtherthanTemporaryImpairmentGainsInvestmentsPortioninOtherComprehensiveLossNetofTaxPortionAttributabletoParent" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bofi_PreferredStockRemainingNumberOfSharesToBeRedeemed" name="PreferredStockRemainingNumberOfSharesToBeRedeemed" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_PrepaymentPenaltyFeeIncome" name="PrepaymentPenaltyFeeIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bofi_ProceedsFromRepaymentOfSecurities" name="ProceedsFromRepaymentOfSecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bofi_ProceedsFromRepaymentsOfFederalHomeLoanBankOtherAdvances" name="ProceedsFromRepaymentsOfFederalHomeLoanBankOtherAdvances" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bofi_ProceedsfromSaleofAvailableforsaleandTradingSecurities" name="ProceedsfromSaleofAvailableforsaleandTradingSecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_ProjectedProfitofUnderlyingLoansMember" name="ProjectedProfitofUnderlyingLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_PurchasedLoansMember" name="PurchasedLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_PurchasesOfLoansNetOfDiscountsAndPremiums" name="PurchasesOfLoansNetOfDiscountsAndPremiums" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_RangeOfFicoScoreAxis" name="RangeOfFicoScoreAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_RangeOfFicoScoreDomain" name="RangeOfFicoScoreDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_RealEstateOwnedAndRepossessedVehiclesExpenseRecovery" name="RealEstateOwnedAndRepossessedVehiclesExpenseRecovery" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_RegulatoryCapitalRatiosAbstract" name="RegulatoryCapitalRatiosAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_ResidentialMultifamilyLoanMember" name="ResidentialMultifamilyLoanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_RestrictedShareGrantsAnnualVestingPercentage" name="RestrictedShareGrantsAnnualVestingPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_SaleOfMortgagebackedSecuritiesMember" name="SaleOfMortgagebackedSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_SaleOfStockWeightedAveragePerSharePrice" name="SaleOfStockWeightedAveragePerSharePrice" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_SaleofStockCompensationtoAgent" name="SaleofStockCompensationtoAgent" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_SalesCommitmentMember" name="SalesCommitmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_ScheduleOfDepositLiabilitiesTableTextBlock" name="ScheduleOfDepositLiabilitiesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_ScheduleOfFederalHomeLoanBankAdvancesByMaturityTableTextBlock" name="ScheduleOfFederalHomeLoanBankAdvancesByMaturityTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_ScheduleOfLoansPerformingAndNonPerformingTableTextBlock" name="ScheduleOfLoansPerformingAndNonPerformingTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_ScheduleOfMarketableSecuritiesTable" name="ScheduleOfMarketableSecuritiesTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_ScheduleOfMaturitiesForTotalTimeDepositsTableTextBlock" name="ScheduleOfMaturitiesForTotalTimeDepositsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_ScheduleofLoansbyClassTableTextBlock" name="ScheduleofLoansbyClassTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_ScheduleofSaleofStockTableTextBlock" name="ScheduleofSaleofStockTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_SecuritiesWithOtherThanTemporaryImpairmentNumber" name="SecuritiesWithOtherThanTemporaryImpairmentNumber" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedAndIssuedInPeriod" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedAndIssuedInPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationTerm" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationTerm" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_ShareBasedCompensationArrangementsByShareBasedPaymentAwardNumberOfFiscalYearsStockIncreases" name="ShareBasedCompensationArrangementsByShareBasedPaymentAwardNumberOfFiscalYearsStockIncreases" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_ShareBasedCompensationOutstandingSharesOfCompanyAvailableForGrantUnderPlanPercentage" name="ShareBasedCompensationOutstandingSharesOfCompanyAvailableForGrantUnderPlanPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_SharebasedCompensationArrangementbyShareBasedPaymentAwardAnnualIncreasetoSharesAvailableforGrantPercentage" name="SharebasedCompensationArrangementbyShareBasedPaymentAwardAnnualIncreasetoSharesAvailableforGrantPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsGrantsinPeriodFairValue" name="SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsGrantsinPeriodFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bofi_SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsExercisesinPeriodNetOfOptionsForTaxWithholdings" name="SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsExercisesinPeriodNetOfOptionsForTaxWithholdings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_SharebasedCompensationAwardTrancheFourMember" name="SharebasedCompensationAwardTrancheFourMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_ShortTermDebtMaximumBorrowingCapacity" name="ShortTermDebtMaximumBorrowingCapacity" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bofi_SourceOfLoanOriginationDomain" name="SourceOfLoanOriginationDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_StockIncentivePlansMember" name="StockIncentivePlansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_StockIssuanceAgreementMaximumAmountToReimbursableExpensesOfDistributionAgents" name="StockIssuanceAgreementMaximumAmountToReimbursableExpensesOfDistributionAgents" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bofi_StockIssuanceAgreementMaximumAmounttoReimbursableExpensesofDistributionAgentsThereafter" name="StockIssuanceAgreementMaximumAmounttoReimbursableExpensesofDistributionAgentsThereafter" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bofi_StockIssuanceAgreementStockIssuanceCostsAsPercentageOfGrossSalesPrice" name="StockIssuanceAgreementStockIssuanceCostsAsPercentageOfGrossSalesPrice" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_StockIssuancePlanNameAxis" name="StockIssuancePlanNameAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_StockIssuancePlanNameDomain" name="StockIssuancePlanNameDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_StockIssuedDuringPeriodCommonStockSharesNewIssues" name="StockIssuedDuringPeriodCommonStockSharesNewIssues" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_StockIssuedDuringPeriodCommonStockValueNewIssues" name="StockIssuedDuringPeriodCommonStockValueNewIssues" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bofi_StockholdersEquityNoteStockSplitConversionRatioNumberofShares" name="StockholdersEquityNoteStockSplitConversionRatioNumberofShares" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_TaxCutsandJobsActIncompleteAccountingChangeinTaxRateDeferredTaxAssetProvisionalIncomeTaxExpense" name="TaxCutsandJobsActIncompleteAccountingChangeinTaxRateDeferredTaxAssetProvisionalIncomeTaxExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bofi_TaxCutsandJobsActIncompleteAccountingProvisionalIncomeTaxExpenseBenefitExcludingEffectonDeferredTaxAssets" name="TaxCutsandJobsActIncompleteAccountingProvisionalIncomeTaxExpenseBenefitExcludingEffectonDeferredTaxAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bofi_TierOneCommonEquity" name="TierOneCommonEquity" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bofi_TierOneCommonEquityRequiredforCapitalAdequacytoAverageAssetAnnualIncreasePercent" name="TierOneCommonEquityRequiredforCapitalAdequacytoAverageAssetAnnualIncreasePercent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_TierOneCommonEquityRequiredforCapitalAdequacytoAverageAssets" name="TierOneCommonEquityRequiredforCapitalAdequacytoAverageAssets" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_TierOneCommonEquityRequiredtobeWellCapitalizedtoAverageAssets" name="TierOneCommonEquityRequiredtobeWellCapitalizedtoAverageAssets" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_TierOneCommonEquityToAverageAssets" name="TierOneCommonEquityToAverageAssets" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_TierOneRiskBasedCapitalRequiredforCapitalAdequacytoRiskWeightedAssetsAnnualIncreasePercent" name="TierOneRiskBasedCapitalRequiredforCapitalAdequacytoRiskWeightedAssetsAnnualIncreasePercent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_TimeDepositsLessThan250000Brokered" name="TimeDepositsLessThan250000Brokered" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bofi_TimeDepositsLessThanFDICInsuranceLimit" name="TimeDepositsLessThanFDICInsuranceLimit" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bofi_TotalAverageAdjustedAssets" name="TotalAverageAdjustedAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bofi_TotalDilutiveCommonSharesIssuedAndOutstanding" name="TotalDilutiveCommonSharesIssuedAndOutstanding" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_TotalQualifyingSharesBasic" name="TotalQualifyingSharesBasic" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_TotalUnrealizedGainLossOnSecurities" name="TotalUnrealizedGainLossOnSecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bofi_TradingSecuritiesChangeInUnrealizedGainAndLossAndInterestIncomeRecordedInEarnings" name="TradingSecuritiesChangeInUnrealizedGainAndLossAndInterestIncomeRecordedInEarnings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bofi_TradingSecuritiesNumber" name="TradingSecuritiesNumber" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_TransfersToOtherRealEstateAndRepossessedVehicles" name="TransfersToOtherRealEstateAndRepossessedVehicles" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_TypeOfInterestRateDomain" name="TypeOfInterestRateDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_UnrealizedGainLossOnLoansHeldForSale" name="UnrealizedGainLossOnLoansHeldForSale" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_WarehouseAndOtherMember" name="WarehouseAndOtherMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bofi_WarehouseLoansMember" name="WarehouseLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bofi_WeightedAverageInterestRateOfTimeDepositsAtOrAboveFDICInsuranceLimit" name="WeightedAverageInterestRateOfTimeDepositsAtOrAboveFDICInsuranceLimit" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_WeightedAverageInterestRateOfTimeDepositsLessThanFDICInsuranceLimit" name="WeightedAverageInterestRateOfTimeDepositsLessThanFDICInsuranceLimit" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_WeightedAverageRateDeposit" name="WeightedAverageRateDeposit" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_WeightedAverageRateDomesticDepositDemandAndSavings" name="WeightedAverageRateDomesticDepositDemandAndSavings" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bofi_WeightedAverageUnvestedRestrictedStockGrantAndRsuSharesBasic" name="WeightedAverageUnvestedRestrictedStockGrantAndRsuSharesBasic" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
</xsd:schema>
