Lender in Illinois · HMDA 2025
Sofi Bank, N.A. mortgages in Illinois
Sofi Bank, N.A.'s 2025 home-purchase and refinance lending in Illinois, compared with all lenders in the state.
Sofi Bank, N.A. originated 205 owner-occupied single-family loans in Illinois from 231 completed applications.
Its median conventional purchase loan costs were $6,020 versus $6,090 for all Illinois lenders, at a median 30-year fixed rate of 6.625% (Illinois: 6.625%).
Loans in IL
205
of 231 applications
Denial rate
7.6%
Purchase · IL 9.2%
Rate spread
+0.20 pts
Conv. · IL +0.27 pts
Loan amount
$295,000
Purchase · IL $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 144 | 133 | 7.6% | 6.625% | +0.20 pts | $6,020 | $295,000 |
| Refinance | 35 | 33 | 2.9% | — | +0.05 pts | $2,940 | $295,000 |
| Cash-out refinance | 52 | 39 | 23.1% | 6.875% | +0.30 pts | $3,370 | $245,000 |
*Conventional loans only; medians with at least 20 loans.
Illinois counties where Sofi Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Moultrie County | 12 | 3 | 2.1% |
| Cass County | 16 | 1 | 1.1% |
| Putnam County | 18 | 1 | 1.7% |
| Adams County | 21 | 3 | 0.5% |
| Union County | 21 | 1 | 0.9% |
| Clark County | 24 | 1 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology