Sofi Lending Corp. Mortgage Rates, Fees & Info

SACRAMENTO, CA

LEI: 549300SXISSKGPHW5702

Tax ID: 90-0790926

5 stars - Updated: 2/19/24 - out of 5 stars, based on 44 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Sofi Lending Corp. is a smaller mortgage company specializing in Cash Out Refi and Home Purchase loans. Sofi Lending Corp. has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Washington, Atlanta, New York, and Philadelphia among others. We have data for 319 markets. (Some data included below & more in-depth data is available with an active subscription.)

Sofi Lending Corp. has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Sofi Lending Corp. is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.48% 2/19/24
30 Year Conventional Refi 6.29% 2/19/24
30 Year Cash-out Refi 6.56% 2/19/24
15 Year Conventional Purchase 5.90% 2/19/24
15 Year Conventional Refi 5.83% 2/19/24
15 Year Cash-out Refi 5.83% 2/19/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Sofi Lending Corp. Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Sofi Lending Corp.. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,963

Origination Dollar Volume (All Markets)

$671,245,000
Show all (49) awards

Relative Rate

Sofi Lending Corp.'s average 30 year fixed mortgage rate was 3.84%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of -0.92%.

Relative Fees (Closing Costs)

Sofi Lending Corp.'s average total fees/closing costs for a 30 year fixed rate mortgage were $5,329.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 74 $38,970,000 $526,622 $5,788 3.49%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 54 $23,990,000 $444,259 $5,063 3.37%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 65 $22,295,000 $343,000 $5,477 3.69%
Outside of Metro Areas 73 $19,645,000 $269,110 $4,943 3.55%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 52 $19,310,000 $371,346 $5,883 3.62%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 59 $18,535,000 $314,153 $5,391 3.72%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 51 $18,275,000 $358,333 $4,775 3.57%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 27 $17,015,000 $630,185 $6,462 3.54%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 47 $15,965,000 $339,681 $4,891 3.70%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 40 $15,020,000 $375,500 $6,278 3.34%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 40 $14,570,000 $364,250 $5,647 3.46%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 29 $14,545,000 $501,552 $5,228 3.47%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 30 $13,560,000 $452,000 $5,779 3.56%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 34 $12,880,000 $378,824 $5,274 3.70%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 39 $12,275,000 $314,744 $5,823 3.37%
SALT LAKE CITY, UT (FHA|USDA|VA) 30 $11,520,000 $384,000 $4,442 3.50%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 34 $11,110,000 $326,765 $4,569 3.61%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 35 $10,915,000 $311,857 $4,829 3.37%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 28 $9,600,000 $342,857 $5,578 3.70%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 17 $9,585,000 $563,824 $7,376 3.18%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 22 $8,850,000 $402,273 $5,789 3.49%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 26 $8,380,000 $322,308 $4,123 3.62%
JACKSONVILLE, FL (FHA|USDA|VA) 27 $8,325,000 $308,333 $6,170 3.39%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 25 $8,305,000 $332,200 $5,258 3.74%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 20 $8,120,000 $406,000 $5,391 3.43%
RALEIGH-CARY, NC (FHA|USDA|VA) 23 $8,065,000 $350,652 $5,359 3.68%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 20 $7,400,000 $370,000 $4,412 3.68%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 14 $7,290,000 $520,714 $4,390 3.01%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 21 $7,265,000 $345,952 $7,004 3.71%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 22 $6,630,000 $301,364 $4,781 3.61%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 17 $6,345,000 $373,235 $4,659 3.46%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 18 $5,740,000 $318,889 $4,074 3.65%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 20 $5,630,000 $281,500 $3,710 3.50%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 19 $5,365,000 $282,368 $3,958 4.14%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 15 $5,325,000 $355,000 $3,799 3.52%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 18 $5,240,000 $291,111 $3,927 3.69%
KANSAS CITY, MO-KS (FHA|USDA|VA) 17 $5,185,000 $305,000 $4,577 3.80%
COLUMBUS, OH (FHA|USDA|VA) 16 $5,140,000 $321,250 $4,466 3.50%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 18 $4,910,000 $272,778 $4,657 3.80%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 12 $4,600,000 $383,333 $4,521 3.74%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 18 $4,230,000 $235,000 $3,816 3.72%
PITTSBURGH, PA (FHA|USDA|VA) 17 $3,865,000 $227,353 $5,574 3.94%
PROVO-OREM, UT (FHA|USDA|VA) 8 $3,650,000 $456,250 $5,456 3.88%
WORCESTER, MA-CT (FHA|USDA|VA) 10 $3,380,000 $338,000 $4,674 3.36%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 13 $3,185,000 $245,000 $4,484 3.63%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 9 $2,865,000 $318,333 $3,816 3.19%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 5 $2,805,000 $561,000 $6,646 3.18%
TULSA, OK (FHA|USDA|VA) 12 $2,690,000 $224,167 $5,512 3.76%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 10 $2,690,000 $269,000 $4,680 3.38%
OKLAHOMA CITY, OK (FHA|USDA|VA) 9 $2,595,000 $288,333 $5,760 3.86%
FRESNO, CA (FHA|USDA|VA) 6 $2,460,000 $410,000 $3,018 3.65%
BAKERSFIELD, CA (FHA|USDA|VA) 9 $2,415,000 $268,333 $4,498 3.64%
RENO, NV (FHA|USDA|VA) 6 $2,300,000 $383,333 $4,455 3.33%
KNOXVILLE, TN (FHA|USDA|VA) 9 $2,265,000 $251,667 $4,328 3.49%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 7 $2,235,000 $319,286 $3,469 3.59%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 6 $2,230,000 $371,667 $5,341 3.38%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 6 $2,220,000 $370,000 $5,882 3.33%
LOUISVILLE, KY (FHA|USDA|VA) 7 $2,145,000 $306,429 $4,072 3.63%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 8 $2,110,000 $263,750 $6,391 3.42%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 7 $2,095,000 $299,286 $6,768 3.91%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 7 $2,055,000 $293,571 $4,489 3.93%
VALLEJO, CA (FHA|USDA|VA) 4 $2,050,000 $512,500 $4,485 3.41%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 6 $1,960,000 $326,667 $3,606 3.94%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 7 $1,945,000 $277,857 $5,345 3.91%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 8 $1,870,000 $233,750 $5,227 3.39%
ANN ARBOR, MI (FHA|USDA|VA) 6 $1,860,000 $310,000 $3,233 3.19%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 3 $1,855,000 $618,333 $6,198 3.58%
BOISE CITY, ID (FHA|USDA|VA) 5 $1,835,000 $367,000 $5,926 4.08%
RICHMOND, VA (FHA|USDA|VA) 7 $1,805,000 $257,857 $3,298 3.25%
SPRINGFIELD, MA (FHA|USDA|VA) 7 $1,805,000 $257,857 $2,895 3.27%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 4 $1,780,000 $445,000 $6,542 3.56%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 5 $1,745,000 $349,000 $3,040 3.35%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 7 $1,735,000 $247,857 $3,895 3.16%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 5 $1,735,000 $347,000 $3,820 3.58%
COLORADO SPRINGS, CO (FHA|USDA|VA) 3 $1,725,000 $575,000 $3,424 4.00%
STOCKTON, CA (FHA|USDA|VA) 4 $1,680,000 $420,000 $3,100 3.50%
HUNTSVILLE, AL (FHA|USDA|VA) 6 $1,660,000 $276,667 $3,986 3.56%
SAVANNAH, GA (FHA|USDA|VA) 6 $1,620,000 $270,000 $4,917 4.54%
MISSOULA, MT (FHA|USDA|VA) 4 $1,590,000 $397,500 $4,389 3.91%
WICHITA, KS (FHA|USDA|VA) 3 $1,585,000 $528,333 $5,090 3.92%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 8 $1,560,000 $195,000 $4,665 3.66%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 4 $1,540,000 $385,000 $6,047 3.69%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 4 $1,500,000 $375,000 $5,412 4.00%
WILMINGTON, NC (FHA|USDA|VA) 5 $1,495,000 $299,000 $4,624 3.55%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 5 $1,485,000 $297,000 $6,410 3.90%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 7 $1,485,000 $212,143 $3,972 3.52%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 6 $1,460,000 $243,333 $3,314 3.79%
COLUMBIA, SC (FHA|USDA|VA) 7 $1,445,000 $206,429 $4,139 4.16%
TUCSON, AZ (FHA|USDA|VA) 6 $1,430,000 $238,333 $4,523 3.90%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 4 $1,400,000 $350,000 $5,425 3.28%
Concord, NH (FHA|USDA|VA) 4 $1,380,000 $345,000 $5,403 2.72%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 4 $1,310,000 $327,500 $9,453 3.63%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $1,305,000 $435,000 $5,830 2.96%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 4 $1,250,000 $312,500 $5,585 4.00%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 3 $1,225,000 $408,333 $4,304 3.83%
FORT COLLINS, CO (FHA|USDA|VA) 3 $1,225,000 $408,333 $3,736 3.67%
Eureka-Arcata, CA (FHA|USDA|VA) 2 $1,190,000 $595,000 $7,682 3.56%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 5 $1,185,000 $237,000 $4,324 3.38%
Torrington, CT (FHA|USDA|VA) 4 $1,150,000 $287,500 $8,003 4.44%
EL CENTRO, CA (FHA|USDA|VA) 5 $1,145,000 $229,000 $2,897 3.05%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 5 $1,145,000 $229,000 $5,680 3.38%
MADISON, WI (FHA|USDA|VA) 3 $1,105,000 $368,333 $2,870 4.00%
SALINAS, CA (FHA|USDA|VA) 2 $1,070,000 $535,000 $5,979 2.75%
SALISBURY, MD-DE (FHA|USDA|VA) 3 $1,065,000 $355,000 $5,513 3.33%
WINSTON-SALEM, NC (FHA|USDA|VA) 3 $1,055,000 $351,667 $8,833 3.71%
ASHEVILLE, NC (FHA|USDA|VA) 3 $1,045,000 $348,333 $6,856 3.21%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 5 $1,025,000 $205,000 $4,170 3.60%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 4 $1,010,000 $252,500 $5,741 3.19%
DULUTH, MN-WI (FHA|USDA|VA) 3 $1,005,000 $335,000 $3,903 3.54%
YUBA CITY, CA (FHA|USDA|VA) 2 $1,000,000 $500,000 $4,075 3.31%
EAST STROUDSBURG, PA (FHA|USDA|VA) 4 $980,000 $245,000 $6,070 3.78%
Brainerd, MN (FHA|USDA|VA) 2 $950,000 $475,000 $5,250 4.19%
BOULDER, CO (FHA|USDA|VA) 2 $940,000 $470,000 $6,367 2.75%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 2 $940,000 $470,000 $3,124 3.13%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 3 $935,000 $311,667 $3,471 3.75%
SALEM, OR (FHA|USDA|VA) 3 $925,000 $308,333 $6,386 3.50%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 4 $910,000 $227,500 $5,396 3.53%
PORT ST. LUCIE, FL (FHA|USDA|VA) 3 $875,000 $291,667 $5,593 4.29%
HARRISONBURG, VA (FHA|USDA|VA) 4 $870,000 $217,500 $3,705 4.00%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 2 $850,000 $425,000 $4,536 5.31%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 3 $825,000 $275,000 $3,564 4.17%
Heber, UT (FHA|USDA|VA) 1 $815,000 $815,000 $18,835 3.50%
LANCASTER, PA (FHA|USDA|VA) 4 $810,000 $202,500 $5,078 3.44%
PITTSFIELD, MA (FHA|USDA|VA) 4 $810,000 $202,500 $4,291 3.50%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 2 $800,000 $400,000 $2,894 3.38%
CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $800,000 $400,000 $6,250 4.00%
VISALIA, CA (FHA|USDA|VA) 2 $780,000 $390,000 $3,283 4.88%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 3 $775,000 $258,333 $4,983 4.17%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 3 $775,000 $258,333 $2,412 4.38%
FORT WAYNE, IN (FHA|USDA|VA) 2 $770,000 $385,000 $2,777 3.06%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $765,000 $765,000 $3,473 3.50%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $765,000 $765,000 $5,588 5.25%
GREELEY, CO (FHA|USDA|VA) 2 $750,000 $375,000 $3,303 4.63%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $730,000 $365,000 $7,716 2.75%
COLUMBUS, GA-AL (FHA|USDA|VA) 2 $730,000 $365,000 $4,636 3.25%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $720,000 $360,000 $4,352 2.94%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $720,000 $360,000 $11,574 3.94%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 3 $715,000 $238,333 $3,054 2.96%
BATON ROUGE, LA (FHA|USDA|VA) 3 $705,000 $235,000 $3,302 3.25%
NAPA, CA (FHA|USDA|VA) 1 $695,000 $695,000 $15,511 4.75%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $675,000 $675,000 $9,522 2.88%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $670,000 $335,000 $5,940 2.81%
BILLINGS, MT (FHA|USDA|VA) 3 $655,000 $218,333 $3,922 4.21%
Bedford, IN (FHA|USDA|VA) 2 $650,000 $325,000 $5,246 4.19%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $645,000 $645,000 $11,431 5.75%
Cullowhee, NC (FHA|USDA|VA) 1 $645,000 $645,000 $12,314 3.63%
Elizabeth City, NC (FHA|USDA|VA) 1 $645,000 $645,000 $8,176 3.25%
Alexander City, AL (FHA|USDA|VA) 1 $645,000 $645,000 $9,372 4.00%
DAYTON-KETTERING, OH (FHA|USDA|VA) 3 $645,000 $215,000 $4,378 4.08%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $635,000 $635,000 $6,591 4.75%
Lebanon, NH-VT (FHA|USDA|VA) 2 $630,000 $315,000 $3,200 2.94%
Muskogee, OK (FHA|USDA|VA) 1 $615,000 $615,000 $14,997 2.88%
AKRON, OH (FHA|USDA|VA) 2 $610,000 $305,000 $6,231 3.44%
WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $610,000 $305,000 $2,840 3.00%
Helena, MT (FHA|USDA|VA) 2 $610,000 $305,000 $4,676 4.06%
LAFAYETTE, LA (FHA|USDA|VA) 1 $595,000 $595,000 $3,389 3.25%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $590,000 $295,000 $3,724 4.13%
Edwards, CO (FHA|USDA|VA) 1 $575,000 $575,000 $3,610 3.88%
ERIE, PA (FHA|USDA|VA) 3 $575,000 $191,667 $5,608 4.96%
EL PASO, TX (FHA|USDA|VA) 3 $575,000 $191,667 $4,124 3.17%
Butte-Silver Bow, MT (FHA|USDA|VA) 2 $570,000 $285,000 $2,330 4.69%
WINCHESTER, VA-WV (FHA|USDA|VA) 2 $570,000 $285,000 $2,715 3.31%
SHEBOYGAN, WI (FHA|USDA|VA) 4 $570,000 $142,500 $2,830 3.66%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $555,000 $555,000 $2,733 4.13%
THE VILLAGES, FL (FHA|USDA|VA) 2 $550,000 $275,000 $4,476 5.06%
MEDFORD, OR (FHA|USDA|VA) 1 $545,000 $545,000 $7,445 2.88%
CHICO, CA (FHA|USDA|VA) 1 $525,000 $525,000 $3,787 3.88%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $520,000 $260,000 $5,952 3.81%
FLORENCE, SC (FHA|USDA|VA) 1 $505,000 $505,000 $3,005 2.88%
YORK-HANOVER, PA (FHA|USDA|VA) 3 $505,000 $168,333 $4,485 3.54%
MERCED, CA (FHA|USDA|VA) 2 $500,000 $250,000 $8,701 2.88%
Vineyard Haven, MA (FHA|USDA|VA) 1 $495,000 $495,000 $4,028 3.25%
Seneca, SC (FHA|USDA|VA) 2 $490,000 $245,000 $3,692 4.00%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $490,000 $245,000 $5,516 4.88%
BLOOMINGTON, IN (FHA|USDA|VA) 2 $490,000 $245,000 $5,128 3.13%
SUMTER, SC (FHA|USDA|VA) 1 $485,000 $485,000 $5,088 3.75%
Sonora, CA (FHA|USDA|VA) 1 $485,000 $485,000 $8,745 3.00%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $485,000 $485,000 $4,600 4.38%
Fernley, NV (FHA|USDA|VA) 2 $480,000 $240,000 $3,371 4.75%
LAREDO, TX (FHA|USDA|VA) 1 $475,000 $475,000 $5,698 2.75%
Shelton, WA (FHA|USDA|VA) 1 $465,000 $465,000 $3,841 3.50%
WENATCHEE, WA (FHA|USDA|VA) 1 $465,000 $465,000 $0 3.50%
Central City, KY (FHA|USDA|VA) 2 $460,000 $230,000 $4,090 2.81%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 2 $460,000 $230,000 $2,824 3.81%
HAMMOND, LA (FHA|USDA|VA) 2 $460,000 $230,000 $3,978 4.19%
Arkadelphia, AR (FHA|USDA|VA) 2 $450,000 $225,000 $2,335 3.56%
REDDING, CA (FHA|USDA|VA) 1 $445,000 $445,000 $6,590 3.75%
LINCOLN, NE (FHA|USDA|VA) 2 $440,000 $220,000 $3,788 2.88%
MODESTO, CA (FHA|USDA|VA) 1 $435,000 $435,000 $4,007 2.88%
Key West, FL (FHA|USDA|VA) 1 $435,000 $435,000 $7,272 3.75%
BANGOR, ME (FHA|USDA|VA) 2 $430,000 $215,000 $2,841 3.25%
Astoria, OR (FHA|USDA|VA) 1 $425,000 $425,000 $4,653 3.00%
Russellville, AR (FHA|USDA|VA) 1 $415,000 $415,000 $2,882 3.13%
Aberdeen, WA (FHA|USDA|VA) 1 $415,000 $415,000 $3,413 3.13%
BEND, OR (FHA|USDA|VA) 1 $405,000 $405,000 $4,536 3.38%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $395,000 $395,000 $2,367 2.88%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $390,000 $195,000 $5,571 3.88%
MONTGOMERY, AL (FHA|USDA|VA) 2 $380,000 $190,000 $5,712 3.94%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 2 $370,000 $185,000 $4,820 3.06%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 3 $365,000 $121,667 $3,147 3.92%
Ardmore, OK (FHA|USDA|VA) 1 $365,000 $365,000 $6,017 3.38%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $360,000 $180,000 $3,680 3.19%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $360,000 $180,000 $4,714 4.50%
PUEBLO, CO (FHA|USDA|VA) 1 $355,000 $355,000 $5,011 3.25%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $345,000 $345,000 $3,143 3.75%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $340,000 $170,000 $3,190 3.38%
BURLINGTON, NC (FHA|USDA|VA) 2 $340,000 $170,000 $5,717 3.81%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $335,000 $335,000 $4,581 4.38%
Ellensburg, WA (FHA|USDA|VA) 1 $335,000 $335,000 $6,203 5.38%
Greensburg, IN (FHA|USDA|VA) 1 $325,000 $325,000 $2,397 3.88%
Winnemucca, NV (FHA|USDA|VA) 1 $325,000 $325,000 $7,267 3.25%
IOWA CITY, IA (FHA|USDA|VA) 1 $325,000 $325,000 $2,768 4.50%
Houghton, MI (FHA|USDA|VA) 1 $325,000 $325,000 $3,796 2.88%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $315,000 $315,000 $1,088 3.00%
Effingham, IL (FHA|USDA|VA) 1 $315,000 $315,000 $4,158 3.38%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $315,000 $315,000 $4,450 2.88%
READING, PA (FHA|USDA|VA) 2 $310,000 $155,000 $5,173 3.05%
ABILENE, TX (FHA|USDA|VA) 1 $305,000 $305,000 $5,319 3.25%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $305,000 $305,000 $2,601 3.50%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $305,000 $305,000 $4,188 4.25%
Angola, IN (FHA|USDA|VA) 1 $305,000 $305,000 $8,807 4.00%
Nogales, AZ (FHA|USDA|VA) 1 $305,000 $305,000 $4,697 3.75%
Fairmont, WV (FHA|USDA|VA) 1 $305,000 $305,000 $3,671 4.25%
LONGVIEW, WA (FHA|USDA|VA) 1 $305,000 $305,000 $5,031 4.25%
FARGO, ND-MN (FHA|USDA|VA) 2 $300,000 $150,000 $2,729 4.06%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $295,000 $295,000 $4,414 4.88%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $295,000 $295,000 $4,287 2.88%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $295,000 $295,000 $3,866 3.88%
Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $295,000 $295,000 $5,257 3.13%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $295,000 $295,000 $5,820 3.25%
CASPER, WY (FHA|USDA|VA) 1 $285,000 $285,000 $2,654 5.38%
Plymouth, IN (FHA|USDA|VA) 1 $285,000 $285,000 $6,029 2.38%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $285,000 $285,000 $7,480 5.13%
ROANOKE, VA (FHA|USDA|VA) 1 $285,000 $285,000 $10,023 4.13%
Selinsgrove, PA (FHA|USDA|VA) 1 $285,000 $285,000 $4,103 4.00%
LEBANON, PA (FHA|USDA|VA) 1 $265,000 $265,000 $10,892 4.50%
LAWRENCE, KS (FHA|USDA|VA) 1 $265,000 $265,000 $2,702 3.38%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $255,000 $255,000 $3,505 3.50%
Steamboat Springs, CO (FHA|USDA|VA) 1 $255,000 $255,000 $5,402 2.38%
Winfield, KS (FHA|USDA|VA) 1 $255,000 $255,000 $8,134 3.13%
CHEYENNE, WY (FHA|USDA|VA) 1 $245,000 $245,000 $2,682 3.25%
Rexburg, ID (FHA|USDA|VA) 1 $245,000 $245,000 $4,646 2.50%
North Platte, NE (FHA|USDA|VA) 1 $245,000 $245,000 $3,143 4.88%
JONESBORO, AR (FHA|USDA|VA) 1 $245,000 $245,000 $4,319 4.75%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $245,000 $245,000 $3,175 3.38%
Dodge City, KS (FHA|USDA|VA) 1 $235,000 $235,000 $6,975 3.88%
Shawnee, OK (FHA|USDA|VA) 1 $235,000 $235,000 $8,876 3.13%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $235,000 $235,000 $4,746 2.88%
SPARTANBURG, SC (FHA|USDA|VA) 1 $225,000 $225,000 $4,939 2.88%
LIMA, OH (FHA|USDA|VA) 1 $225,000 $225,000 $4,270 4.75%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $225,000 $225,000 $3,073 4.00%
Marinette, WI-MI (FHA|USDA|VA) 2 $220,000 $110,000 $2,442 3.25%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $215,000 $215,000 $2,960 4.75%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $215,000 $215,000 $3,998 3.50%
Cornelia, GA (FHA|USDA|VA) 1 $215,000 $215,000 $8,068 3.88%
RAPID CITY, SD (FHA|USDA|VA) 1 $205,000 $205,000 $3,914 4.25%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $205,000 $205,000 $3,308 3.50%
Richmond, IN (FHA|USDA|VA) 1 $205,000 $205,000 $3,312 3.50%
Rutland, VT (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.88%
Safford, AZ (FHA|USDA|VA) 1 $205,000 $205,000 $3,153 3.25%
Port Lavaca, TX (FHA|USDA|VA) 1 $205,000 $205,000 $7,196 2.88%
Indiana, PA (FHA|USDA|VA) 1 $205,000 $205,000 $4,926 3.50%
MIDLAND, MI (FHA|USDA|VA) 1 $205,000 $205,000 $6,158 3.38%
Juneau, AK (FHA|USDA|VA) 1 $205,000 $205,000 $2,687 2.88%
St. Marys, GA (FHA|USDA|VA) 1 $205,000 $205,000 $3,463 2.50%
LUBBOCK, TX (FHA|USDA|VA) 1 $195,000 $195,000 $3,239 3.63%
Athens, OH (FHA|USDA|VA) 1 $195,000 $195,000 $4,085 2.75%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $195,000 $195,000 $3,038 3.25%
Blytheville, AR (FHA|USDA|VA) 1 $195,000 $195,000 $3,368 3.88%
OCALA, FL (FHA|USDA|VA) 1 $195,000 $195,000 $2,589 3.75%
Sturgis, MI (FHA|USDA|VA) 1 $195,000 $195,000 $2,425 3.13%
Barre, VT (FHA|USDA|VA) 1 $185,000 $185,000 $0 3.13%
Lake City, FL (FHA|USDA|VA) 1 $185,000 $185,000 $4,332 3.13%
Athens, TN (FHA|USDA|VA) 1 $185,000 $185,000 $3,407 2.38%
GREEN BAY, WI (FHA|USDA|VA) 1 $185,000 $185,000 $2,992 3.38%
FLINT, MI (FHA|USDA|VA) 1 $175,000 $175,000 $5,130 4.00%
TOLEDO, OH (FHA|USDA|VA) 1 $175,000 $175,000 $3,038 4.00%
JACKSON, MS (FHA|USDA|VA) 1 $175,000 $175,000 $4,789 5.25%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $175,000 $175,000 $3,272 3.38%
Iron Mountain, MI-WI (FHA|USDA|VA) 1 $175,000 $175,000 $2,037 3.25%
Bonham, TX (FHA|USDA|VA) 1 $165,000 $165,000 $0 3.50%
Whitewater, WI (FHA|USDA|VA) 1 $165,000 $165,000 $2,663 3.88%
MOBILE, AL (FHA|USDA|VA) 1 $165,000 $165,000 $3,793 2.88%
Lewisburg, TN (FHA|USDA|VA) 1 $165,000 $165,000 $5,493 3.38%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,157 3.38%
Greenwood, SC (FHA|USDA|VA) 1 $165,000 $165,000 $3,414 2.75%
BISMARCK, ND (FHA|USDA|VA) 1 $155,000 $155,000 $3,116 3.38%
DECATUR, IL (FHA|USDA|VA) 1 $155,000 $155,000 $2,891 3.75%
Paris, TN (FHA|USDA|VA) 1 $155,000 $155,000 $2,822 3.13%
PANAMA CITY, FL (FHA|USDA|VA) 1 $155,000 $155,000 $8,327 4.75%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $155,000 $155,000 $0 2.75%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.63%
GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $155,000 $155,000 $3,777 2.50%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $155,000 $155,000 $2,613 3.25%
ALTOONA, PA (FHA|USDA|VA) 1 $145,000 $145,000 $3,855 4.25%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $145,000 $145,000 $6,911 3.38%
KANKAKEE, IL (FHA|USDA|VA) 1 $135,000 $135,000 $2,569 2.50%
Warren, PA (FHA|USDA|VA) 1 $135,000 $135,000 $4,034 3.50%
Laramie, WY (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.75%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $125,000 $125,000 $2,134 3.63%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $125,000 $125,000 $2,862 3.88%
LOGAN, UT-ID (FHA|USDA|VA) 1 $125,000 $125,000 $3,475 2.88%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $125,000 $125,000 $3,820 2.13%
Chillicothe, OH (FHA|USDA|VA) 1 $125,000 $125,000 $3,893 4.88%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $125,000 $125,000 $3,279 3.50%
Lock Haven, PA (FHA|USDA|VA) 1 $115,000 $115,000 $3,967 3.75%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $115,000 $115,000 $2,937 3.63%
MANHATTAN, KS (FHA|USDA|VA) 1 $115,000 $115,000 $2,151 2.50%
Meadville, PA (FHA|USDA|VA) 1 $115,000 $115,000 $3,600 5.38%
Klamath Falls, OR (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.25%
Duncan, OK (FHA|USDA|VA) 1 $105,000 $105,000 $5,511 4.88%
Big Rapids, MI (FHA|USDA|VA) 1 $105,000 $105,000 $3,550 2.63%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $105,000 $105,000 $2,143 2.50%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $105,000 $105,000 $3,804 3.25%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $105,000 $105,000 $2,754 3.75%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $105,000 $105,000 $4,480 3.13%
GAINESVILLE, FL (FHA|USDA|VA) 1 $105,000 $105,000 $3,030 4.63%
Danville, VA (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.75%
PEORIA, IL (FHA|USDA|VA) 1 $105,000 $105,000 $3,297 3.88%
Sofi Lending Corp.'s top markets include Los Angeles, Washington, Atlanta, New York, and Philadelphia among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,963 $671,245,000 $341,949 $5,032 3.59%

    For 2022, Sofi Lending Corp.'s most frequently originated type of loan was Conventional, with 1,963 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 1,009 $339,405,000 $336,378 $4,905 3.57%
    Home Purchase 520 $194,780,000 $374,577 $5,911 4.01%
    Refi 400 $128,360,000 $320,900 $4,288 3.09%
    Other 34 $8,700,000 $255,882 $4,413 3.62%

    For 2022, Sofi Lending Corp.'s most frequently cited loan purpose was Cash Out Refi, with 1,009 originations. The 2nd most popular reason was Home Purchase, with 520 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,351 $504,905,000 $373,727 $5,329 3.84%
    15 Year 403 $110,625,000 $274,504 $4,515 2.99%
    20 Year 155 $44,045,000 $284,161 $4,073 3.26%
    10 Year 54 $11,670,000 $216,111 $4,387 2.74%

    For 2022, Sofi Lending Corp.'s most frequently cited loan duration was 30 Year, with 1,351 originations. The 2nd most popular length was 15 Year, with 403 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 573 $183,175,000 $319,677
    $<1k 472 $168,740,000 $357,500
    $2k-3k 259 $79,605,000 $307,355
    $5k+ 231 $107,025,000 $463,312
    $3k-4k 160 $53,980,000 $337,375
    $4k-5k 109 $38,045,000 $349,037

    Sofi Lending Corp.'s average total fees were $5,329, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 573 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 986 $342,620,000 $347,485
    2.5-3% 397 $136,705,000 $344,345
    4-5% 342 $114,640,000 $335,205
    <2.5% 129 $36,845,000 $285,620
    5-6% 106 $39,810,000 $375,566
    6-7% 3 $625,000 $208,333

    During 2022, Sofi Lending Corp.'s average interest rate for loans was 3.84%, while their most frequently originated rate bucket for loans was 3-4%, with 986 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 958 $280,470,000 $292,766 $4,693 3.60%
    $100k-200k 417 $63,595,000 $152,506 $3,817 3.54%
    $400k-600k 406 $197,060,000 $485,369 $5,784 3.57%
    $600k-1MM 169 $118,385,000 $700,503 $7,265 3.72%
    $1MM+ 10 $11,460,000 $1,146,000 $11,376 3.46%
    $100,000 or less 3 $275,000 $91,667 $2,911 4.17%

    2022 saw Sofi Lending Corp. place emphasis on $200k-400k loans with 958 originations, totaling $280,470,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 616 $234,150,000 $380,114 $5,332 3.57%
    $100k-150k 598 $189,560,000 $316,990 $4,701 3.60%
    $250k+ 284 $137,010,000 $482,430 $5,914 3.55%
    $75k-100k 264 $66,660,000 $252,500 $4,734 3.63%
    $50k-75k 149 $34,275,000 $230,034 $4,605 3.64%
    $50k or less 51 $8,825,000 $173,039 $3,858 3.62%

    Sofi Lending Corp. lent most frequently to those with incomes in the $150k-250k range, with 616 originations. The second most popular income band? $100k-150k, with 598 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 438 $145,890,000 $333,082 $4,855 3.50%
    30-36% 375 $129,055,000 $344,147 $4,989 3.60%
    <20% 144 $42,500,000 $295,139 $4,887 3.37%
    42% 91 $33,145,000 $364,231 $5,054 3.87%
    44% 91 $33,965,000 $373,242 $5,476 3.67%
    37% 81 $27,245,000 $336,358 $5,145 3.74%
    41% 80 $28,410,000 $355,125 $5,061 3.60%
    40% 79 $26,725,000 $338,291 $5,217 3.59%
    43% 78 $29,570,000 $379,103 $5,273 3.52%
    38% 75 $26,095,000 $347,933 $4,486 3.52%
    36% 75 $25,405,000 $338,733 $4,660 3.62%
    48% 72 $25,010,000 $347,361 $5,058 3.50%
    49% 70 $23,890,000 $341,286 $5,399 3.93%
    39% 68 $24,520,000 $360,588 $5,415 3.56%
    46% 59 $18,985,000 $321,780 $5,236 3.82%
    45% 58 $20,580,000 $354,828 $5,525 3.60%
    47% 27 $9,165,000 $339,444 $4,884 3.66%
    50-60% 2 $1,090,000 $545,000 $8,993 3.19%

    Sofi Lending Corp. lent most frequently to those with DTI ratios of 20-30%, with 438 originations. The next most common DTI ratio? 30-36%, with 375 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,179 $396,585,000 $336,374 $4,881 3.58%
    Not provided 506 $172,300,000 $340,514 $5,216 3.66%
    Asian 155 $61,945,000 $399,645 $5,468 3.54%
    Black 94 $30,120,000 $320,426 $5,301 3.57%
    American Indian 17 $6,505,000 $382,647 $6,185 3.39%
    Asian Indian 4 $1,530,000 $382,500 $3,253 2.97%
    Native Hawaiian or Islander 3 $875,000 $291,667 $3,099 3.75%
    Korean 2 $580,000 $290,000 $3,587 2.81%
    Chinese 2 $500,000 $250,000 $2,934 2.69%
    Japanese 1 $305,000 $305,000 $5,157 2.88%

    Approval Rates

    Total approvals of all applications
    60.45%

    Sofi Lending Corp. has a low approval rate. They may have poor market targeting or stringent lending standards.

    Pick Rate

    Approvals leading to origination
    -11.92%

    Sofi Lending Corp. has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,963 $671,245,000 $341,949

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,963 $671,245,000 $341,949

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 97 $26,825,000 $276,546 $4,543 3.19%
    40-60% 412 $128,460,000 $311,796 $4,376 3.29%
    60-80% 994 $343,640,000 $345,714 $5,097 3.60%
    80-100% 448 $170,390,000 $380,335 $5,600 3.94%
    Under 20% 12 $1,930,000 $160,833 $3,502 3.33%