Lender in Florida · HMDA 2025
Sofi Bank, N.A. mortgages in Florida
Sofi Bank, N.A.'s 2025 home-purchase and refinance lending in Florida, compared with all lenders in the state.
Sofi Bank, N.A. originated 328 owner-occupied single-family loans in Florida from 400 completed applications.
Its median conventional purchase loan costs were $5,310 versus $6,760 for all Florida lenders, at a median 30-year fixed rate of 6.625% (Florida: 6.625%).
Loans in FL
328
of 400 applications
Denial rate
10.9%
Purchase · FL 12.8%
Rate spread
+0.13 pts
Conv. · FL +0.14 pts
Loan amount
$375,000
Purchase · FL $345,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 247 | 220 | 10.9% | 6.625% | +0.13 pts | $5,310 | $375,000 |
| Refinance | 36 | 27 | 25.0% | — | +0.20 pts | $3,410 | $325,000 |
| Cash-out refinance | 117 | 81 | 29.9% | 6.990% | +0.30 pts | $4,480 | $335,000 |
*Conventional loans only; medians with at least 20 loans.
Florida counties where Sofi Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Taylor County | 23 | 1 | 0.9% |
| Jefferson County | 24 | 1 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology