Lender reviews › SoFi Bank, National Association
SoFi Bank, National Association: 2025 loan data
SoFi Bank, National Association's 2025 at a glance, from the public report every mortgage lender files each year.
Filed as SOFI BANK, NATIONAL ASSOCIATION
- Home loans closed16,189Loans it funded in 2025
- Approval rate76.6%Of applications it said yes or no to
- Typical loan costs$2,280.95Middle amount, before taxes, prepaids and escrow
- Typical lender fees$1,095.00Its own charges to make the loan
What it closes
16,189 home loans closed in 2025
Share of its 2025 home loans: 93% Conventional, 5% FHA and 2% Other types.
These describe the lender's past loans. They are not a quote or a promise for your loan.
How these numbers are counted
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 Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 15,802 applications were withdrawn by the borrower, 18,208 were closed for incompleteness, and 9 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.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 November 11, 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.