SOFI BANK, NATIONAL ASSOCIATION
16,189 mortgages originated in 2025 across 44 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 16,189
- Median rate
- 7.540%
- Median lender fees
- $2,281
- Median loan amount
- $145,000
- Median spread over APOR
- 1.612
- Paid discount points
- 29.3%
- Received lender credits
- 32.9%
- Purchases / refinances
- 22.4% / 29.2%
- Conventional / FHA / VA
- 92.8% / 4.7% / 2.6%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 98.4% of loans here — see methodology.
Where SOFI BANK, NATIONAL ASSOCIATION lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| California | 1,778 | $2,090 | 7.790% |
| Florida | 1,042 | $2,333 | 7.500% |
| North Carolina | 865 | $2,367 | 6.990% |
| Texas | 858 | $4,565 | 6.990% |
| New Jersey | 752 | $2,170 | 7.690% |
| Illinois | 709 | $2,005 | 7.790% |
| Georgia | 704 | $2,200 | 7.750% |
| Pennsylvania | 668 | $2,311 | 7.500% |
| Ohio | 585 | $2,129 | 7.625% |
| Virginia | 529 | $2,057 | 7.740% |
| Washington | 492 | $2,193 | 7.740% |
| Arizona | 450 | $1,936 | 7.750% |
| Colorado | 438 | $2,274 | 7.790% |
| Tennessee | 408 | $2,127 | 7.290% |
| Michigan | 393 | $2,053 | 7.740% |
| Indiana | 389 | $2,157 | 7.540% |
| Maryland | 368 | $1,990 | 7.990% |
| Massachusetts | 364 | $2,661 | 7.490% |
| South Carolina | 345 | $2,391 | 7.590% |
| Minnesota | 328 | $2,000 | 7.624% |
| Missouri | 318 | $2,025 | 7.565% |
| Connecticut | 282 | $2,411 | 7.875% |
| Wisconsin | 277 | $2,096 | 7.500% |
| Nevada | 260 | $2,020 | 7.720% |
| Utah | 230 | $1,995 | 7.665% |
| Oregon | 212 | $2,090 | 7.750% |
| Alabama | 188 | $2,426 | 7.290% |
| Kentucky | 170 | $2,277 | 7.625% |
| Kansas | 165 | $1,989 | 7.624% |
| Oklahoma | 156 | $3,838 | 6.990% |
| Arkansas | 123 | $2,484 | 7.000% |
| New York | 122 | $6,504 | 6.500% |
| Idaho | 118 | $2,109 | 7.790% |
| Nebraska | 116 | $2,061 | 7.865% |
| New Hampshire | 92 | $2,214 | 7.895% |
| Iowa | 92 | $2,391 | 7.375% |
| Louisiana | 87 | $2,461 | 7.740% |
| Delaware | 78 | $2,439 | 7.832% |
| Maine | 75 | $2,440 | 7.375% |
| West Virginia | 73 | $2,942 | 7.990% |
| Mississippi | 72 | $2,940 | 7.465% |
| Montana | 72 | $2,069 | 7.058% |
| New Mexico | 70 | $3,705 | 7.188% |
| Rhode Island | 64 | $1,910 | 7.938% |