Lender in California · HMDA 2025
Sofi Bank, N.A. mortgages in California
Sofi Bank, N.A.'s 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Sofi Bank, N.A. originated 302 owner-occupied single-family loans in California from 382 completed applications.
Its median conventional purchase loan costs were $6,630 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.50% (California: 6.625%).
Loans in CA
302
of 382 applications
Denial rate
7.9%
Purchase · CA 8.9%
Rate spread
+0.06 pts
Conv. · CA +0.09 pts
Loan amount
$605,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 190 | 174 | 7.9% | 6.500% | +0.06 pts | $6,630 | $605,000 |
| Refinance | 81 | 61 | 21.0% | 6.125% | −0.07 pts | $3,350 | $655,000 |
| Cash-out refinance | 111 | 67 | 37.8% | 6.750% | +0.32 pts | $4,060 | $455,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Sofi Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Mono County | 10 | 2 | 1.8% |
| Del Norte County | 14 | 2 | 1.2% |
| Inyo County | 22 | 1 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology