Lender in North Carolina · HMDA 2025
Sofi Bank, N.A. mortgages in North Carolina
Sofi Bank, N.A.'s 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Sofi Bank, N.A. originated 373 owner-occupied single-family loans in North Carolina from 416 completed applications.
Its median conventional purchase loan costs were $3,960 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.625% (North Carolina: 6.50%).
Loans in NC
373
of 416 applications
Denial rate
6.0%
Purchase · NC 7.6%
Rate spread
+0.02 pts
Conv. · NC +0.04 pts
Loan amount
$355,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 268 | 251 | 6.0% | 6.625% | +0.02 pts | $3,960 | $355,000 |
| Refinance | 80 | 70 | 10.0% | 6.125% | −0.07 pts | $2,870 | $435,000 |
| Cash-out refinance | 68 | 52 | 23.5% | 6.875% | +0.24 pts | $3,990 | $305,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Sofi Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Avery County | 21 | 1 | 0.7% |
| Martin County | 25 | 1 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology