SoFi Bank, National Association NMLS #696891
Active Matched with at least one FreeRateUpdate rate shopper in the last 180 days
At a glance
- HeadquartersCottonwood Heights, UT
- Size16,189 home loans closed in 2025
- Loan typesConventional and FHA
- FreeRateUpdate Score89.4 out of 100, as of · How the Score works
What it closes
Share of its 2025 home loans: 93% Conventional, 5% FHA and 2% Other types.
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Who is SoFi Bank, National Association?
SoFi Bank, National Association (NMLS #696891) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or brokerSoFi Bank, National Association
- NMLS #696891
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
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Bank facts
SoFi Bank, National Association held $56,821,411,000 in total assets as of June 30, 2026, per the FDIC (certificate 26881). The FDIC and NMLS records both place it in Cottonwood Heights, Utah. FDIC deposit insurance covers deposits held at the bank. It is the bank's coverage and does not extend to any mortgage.
About SoFi Bank, National Association
Overview
SOFI Bank, National Association is a mortgage lender based in Cottonwood Heights, Utah.
Mortgage options
In 2025, SOFI Bank, National Association made conventional, FHA and VA loans. Its loans that year were for home purchases, refinances, cash-out refinances and home improvement.
Company details and licensing
The legal entity is SOFI Bank, National Association. Supported trade names include Gold Country Bank, National Association and Golden Pacific Bank, National Association. Its primary regulator is the Office of the Comptroller of the Currency, and its NMLS company ID is 696891. Licensing is verifiable through NMLS Consumer Access.
Verify NMLS #696891 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asSOFI BANK, NATIONAL ASSOCIATION
- 2025 home loan decisionsOf 21,536 applications decided by SOFI BANK, NATIONAL ASSOCIATION in 2025, 16,189 were originated, 311 were approved but not accepted by the borrower, and 5,036 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 76.6%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 15,802 applications were withdrawn by the borrower, 18,208 were closed for incompleteness, and 9 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread1.612 percentage points above the average prime offer rate (reported on 15,931 originations, 258 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$2,280.95 — originated closed-end household loans, 2025, 15,931 loans. FFIEC HMDA data browser.
- Median origination charges$1,095.00 — originated closed-end household loans, 2025, 15,931 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types15,022 Conventional, 754 FHA, 413 VA — of 16,189 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for SOFI BANK, NATIONAL ASSOCIATION — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
What is SoFi Bank, National Association's NMLS number?
SoFi Bank, National Association's NMLS number is 696891. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified SoFi Bank, National Association's NMLS ID?
Yes. We checked SoFi Bank, National Association's company name and NMLS ID against the NMLS record on August 11, 2026. They've been in our lender network since August 2021. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about SoFi Bank, National Association?
This page has SoFi Bank, National Association's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.