Applications / Mortgage Analytics / Lenders / Utah / SoFi Bank
SoFi Bank
Cottonwood Heights, UT · National bank · OCC · $46.6 billion assets · 16,189 loans in 2025
16,189
loans originated, 2025
55,546
applications, 2025
51
states and territories
0
gaps bigger than at similar lenders
FIG. 1 — LOANS ORIGINATED, 2018–2025
16,189 loans in 2025, its most in any year since 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. SoFi Bank took 55,546 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
45.1% of its 2025 loans were other loans; 92.8% were Conventional.
Other 45.1% · Refinance 29.2% · Purchase 22.4% · Home improvement 3.3%
Conventional 92.8% · FHA 4.7% · VA 2.6% · of 16,189 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
51 states, 403 metros, 1,664 counties
| State | Loans | Share |
|---|---|---|
| California | 1,778 | 11.0% |
| Florida | 1,042 | 6.4% |
| North Carolina | 865 | 5.3% |
| Texas | 858 | 5.3% |
| New Jersey | 752 | 4.6% |
| Illinois | 709 | 4.4% |
| Georgia | 704 | 4.3% |
| Pennsylvania | 668 | 4.1% |
| Ohio | 585 | 3.6% |
| Virginia | 529 | 3.3% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 430 |
| Charlotte-Concord-Gastonia | 403 |
| Atlanta-Sandy Springs-Roswell | 377 |
| Los Angeles-Long Beach-Glendale | 369 |
| Phoenix-Mesa-Chandler | 339 |
| Denver-Aurora-Centennial | 260 |
| Riverside-San Bernardino-Ontario | 250 |
| Minneapolis-St. Paul-Bloomington | 249 |
| Arlington-Alexandria-Reston | 248 |
| Lakewood-New Brunswick | 222 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930054ET8KM4O1D485 | 2022–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 962966 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 120862 | 1990–2016 |
Established 29 December 1986. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: SoFi Bank's data.