Lender in Texas · HMDA 2025
Sofi Bank, N.A. mortgages in Texas
Sofi Bank, N.A.'s 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Sofi Bank, N.A. originated 507 owner-occupied single-family loans in Texas from 599 completed applications.
Its median conventional purchase loan costs were $5,740 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.50% (Texas: 6.50%).
Loans in TX
507
of 599 applications
Denial rate
7.6%
Purchase · TX 10.2%
Rate spread
+0.04 pts
Conv. · TX +0.09 pts
Loan amount
$335,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 353 | 323 | 7.6% | 6.500% | +0.04 pts | $5,740 | $335,000 |
| Refinance | 81 | 62 | 22.2% | 6.125% | +0.03 pts | $4,560 | $385,000 |
| Cash-out refinance | 165 | 122 | 23.6% | 7.125% | +0.74 pts | $6,150 | $265,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Sofi Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Kimble County | 4 | 2 | 8.3% |
| Dimmit County | 7 | 1 | 4.0% |
| Garza County | 7 | 1 | 6.3% |
| Mitchell County | 12 | 1 | 2.1% |
| Mills County | 13 | 1 | 2.3% |
| Kleberg County | 21 | 2 | 1.1% |
| Eastland County | 25 | 1 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology