Sofi Bank, National Association Mortgage Lending & HMDA Data, 2022

In 2022, Sofi Bank, National Association of Frisco, TX reported 5,001 mortgage applications totaling $1.7 billion. The average application was for $341,619, and applicants reported an average income of $185,748. 16% of its applications resulted in an originated loan and 48% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (171), Los Angeles-Long Beach-Glendale, CA (126) and Chicago-Naperville, IL (114) (applications in parentheses).

Mortgage Company & Address Sofi Bank, National Association

Frisco, TX 75034
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  
Total Number of Mortgage Applications 5,001
Total Mortgage Loan Application Amount $1,708,440,000
Average Mortgage Loan Application Amount $341,619
Highest Mortgage Loan Application Amount $2,305,000
Average Applicant Income $185,748
Highest Applicant Income $8,448,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Sofi Bank, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Sofi Bank, National Association by County in 2022

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 126 $ 67,580,000 $ 536,349 $ 208,000
Cook, Illinois 82 $ 24,930,000 $ 304,024 $ 185,000
Maricopa, Arizona 78 $ 32,100,000 $ 411,538 $ 177,000
Clark, Nevada 68 $ 23,620,000 $ 347,352 $ 144,000
Harris, Texas 60 $ 18,020,000 $ 300,333 $ 196,000
King, Washington 45 $ 28,465,000 $ 632,555 $ 400,000
Broward, Florida 40 $ 14,440,000 $ 361,000 $ 188,000
Wake, North Carolina 39 $ 15,045,000 $ 385,769 $ 294,000
Travis, Texas 39 $ 17,145,000 $ 439,615 $ 233,000
Collin, Texas 36 $ 17,160,000 $ 476,666 $ 163,000
Hillsborough, Florida 34 $ 9,530,000 $ 280,294 $ 437,000
Hennepin, Minnesota 34 $ 9,830,000 $ 289,117 $ 189,000
Fulton, Georgia 33 $ 13,135,000 $ 398,030 $ 171,000
Miami-Dade, Florida 32 $ 13,510,000 $ 422,187 $ 166,000
Tarrant, Texas 32 $ 10,920,000 $ 341,250 $ 162,000
Orange, California 31 $ 22,125,000 $ 713,709 $ 176,000
Palm Beach, Florida 31 $ 10,745,000 $ 346,612 $ 120,000
Middlesex, Massachusetts 30 $ 16,710,000 $ 557,000 $ 313,000
San Bernardino, California 29 $ 12,015,000 $ 414,310 $ 143,000
San Diego, California 29 $ 17,885,000 $ 616,724 $ 227,000
Allegheny, Pennsylvania 29 $ 7,135,000 $ 246,034 $ 128,000
Riverside, California 28 $ 10,010,000 $ 357,500 $ 123,000
Cobb, Georgia 28 $ 11,230,000 $ 401,071 $ 241,000
Williamson, Texas 28 $ 13,180,000 $ 470,714 $ 173,000
Fairfield, Connecticut 27 $ 13,335,000 $ 493,888 $ 345,000
Orange, Florida 27 $ 11,555,000 $ 427,962 $ 193,000
Gwinnett, Georgia 25 $ 9,035,000 $ 361,400 $ 228,000
Wayne, Michigan 25 $ 4,835,000 $ 193,400 $ 198,000
Dallas, Texas 24 $ 6,450,000 $ 268,750 $ 150,000
Pasco, Florida 23 $ 7,895,000 $ 343,260 $ 213,000
Bexar, Texas 23 $ 7,405,000 $ 321,956 $ 189,000
Denton, Texas 23 $ 9,905,000 $ 430,652 $ 187,000
Multnomah, Oregon 22 $ 8,950,000 $ 406,818 $ 199,000
Alameda, California 21 $ 13,955,000 $ 664,523 $ 180,000
New Castle, Delaware 21 $ 5,445,000 $ 259,285 $ 230,000
District of Columbia, District Of Columbia 21 $ 13,275,000 $ 632,142 $ 303,000
Duval, Florida 21 $ 6,045,000 $ 287,857 $ 138,000
Mecklenburg, North Carolina 21 $ 7,245,000 $ 345,000 $ 319,000
Cuyahoga, Ohio 21 $ 4,135,000 $ 196,904 $ 124,000
Philadelphia, Pennsylvania 21 $ 4,935,000 $ 235,000 $ 161,000
Sacramento, California 20 $ 8,160,000 $ 408,000 $ 135,000
Franklin, Ohio 20 $ 6,570,000 $ 328,500 $ 225,000
Bergen, New Jersey 19 $ 7,985,000 $ 420,263 $ 168,000
Morris, New Jersey 19 $ 9,955,000 $ 523,947 $ 246,000
Hamilton, Ohio 19 $ 5,205,000 $ 273,947 $ 164,000
Davidson, Tennessee 19 $ 9,475,000 $ 498,684 $ 201,000
Pierce, Washington 19 $ 6,165,000 $ 324,473 $ 103,000
Contra Costa, California 18 $ 12,990,000 $ 721,666 $ 209,000
Santa Clara, California 18 $ 15,270,000 $ 848,333 $ 233,000
DeKalb, Georgia 18 $ 8,410,000 $ 467,222 $ 170,000
Marion, Indiana 18 $ 3,510,000 $ 195,000 $ 162,000
Jackson, Missouri 18 $ 4,460,000 $ 247,777 $ 116,000
Snohomish, Washington 18 $ 10,070,000 $ 559,444 $ 191,000
Pinellas, Florida 17 $ 4,675,000 $ 275,000 $ 214,000
Polk, Florida 17 $ 4,115,000 $ 242,058 $ 117,000
Montgomery, Maryland 17 $ 8,495,000 $ 499,705 $ 242,000
Essex, New Jersey 17 $ 6,395,000 $ 376,176 $ 142,000
Shelby, Tennessee 17 $ 3,545,000 $ 208,529 $ 136,000
Salt Lake, Utah 17 $ 7,555,000 $ 444,411 $ 167,000
Milwaukee, Wisconsin 17 $ 3,675,000 $ 216,176 $ 94,000
El Paso, Colorado 16 $ 6,520,000 $ 407,500 $ 157,000
Hartford, Connecticut 16 $ 5,430,000 $ 339,375 $ 163,000
St. Johns, Florida 16 $ 6,510,000 $ 406,875 $ 154,000
Volusia, Florida 16 $ 4,390,000 $ 274,375 $ 123,000
Baltimore City, Maryland 16 $ 3,040,000 $ 190,000 $ 118,000
Monmouth, New Jersey 16 $ 7,790,000 $ 486,875 $ 585,000
Guilford, North Carolina 16 $ 4,030,000 $ 251,875 $ 130,000
Fort Bend, Texas 16 $ 6,430,000 $ 401,875 $ 163,000
Jefferson, Alabama 15 $ 3,775,000 $ 251,666 $ 259,000
New Haven, Connecticut 15 $ 3,565,000 $ 237,666 $ 135,000
Lake, Illinois 15 $ 5,945,000 $ 396,333 $ 291,000
Hamilton, Indiana 15 $ 5,935,000 $ 395,666 $ 171,000
Anne Arundel, Maryland 15 $ 5,545,000 $ 369,666 $ 219,000
Macomb, Michigan 15 $ 4,405,000 $ 293,666 $ 264,000
St. Louis, Missouri 15 $ 4,395,000 $ 293,000 $ 150,000
Oklahoma, Oklahoma 15 $ 2,685,000 $ 179,000 $ 122,000
Tulsa, Oklahoma 15 $ 4,685,000 $ 312,333 $ 197,000
Horry, South Carolina 15 $ 3,595,000 $ 239,666 $ 116,000
Hamilton, Tennessee 15 $ 4,875,000 $ 325,000 $ 149,000
Fairfax, Virginia 15 $ 9,045,000 $ 603,000 $ 238,000
Clark, Washington 15 $ 6,755,000 $ 450,333 $ 137,000
Kern, California 14 $ 3,280,000 $ 234,285 $ 99,000
Bernalillo, New Mexico 14 $ 3,900,000 $ 278,571 $ 158,000
Fresno, California 13 $ 3,625,000 $ 278,846 $ 307,000
Brevard, Florida 13 $ 3,795,000 $ 291,923 $ 97,000
Lee, Florida 13 $ 3,725,000 $ 286,538 $ 125,000
Kane, Illinois 13 $ 3,535,000 $ 271,923 $ 149,000
Will, Illinois 13 $ 3,135,000 $ 241,153 $ 230,000
Middlesex, New Jersey 13 $ 4,745,000 $ 365,000 $ 170,000
Montgomery, Texas 13 $ 3,765,000 $ 289,615 $ 163,000
Madison, Alabama 12 $ 3,030,000 $ 252,500 $ 248,000
Pima, Arizona 12 $ 3,370,000 $ 280,833 $ 623,000
Denver, Colorado 12 $ 5,910,000 $ 492,500 $ 179,000
Douglas, Colorado 12 $ 8,260,000 $ 688,333 $ 274,000
Jefferson, Colorado 12 $ 4,740,000 $ 395,000 $ 121,000
Marion, Florida 12 $ 3,160,000 $ 263,333 $ 115,000
Johnson, Kansas 12 $ 2,790,000 $ 232,500 $ 191,000
Hudson, New Jersey 12 $ 6,600,000 $ 550,000 $ 230,000
Montgomery, Pennsylvania 12 $ 4,500,000 $ 375,000 $ 140,000
Pinal, Arizona 11 $ 3,455,000 $ 314,090 $ 115,000
San Joaquin, California 11 $ 5,565,000 $ 505,909 $ 226,000
Lake, Florida 11 $ 3,985,000 $ 362,272 $ 125,000
Sarasota, Florida 11 $ 5,135,000 $ 466,818 $ 250,000
Sedgwick, Kansas 11 $ 2,305,000 $ 209,545 $ 124,000
Jefferson, Kentucky 11 $ 4,275,000 $ 388,636 $ 160,000
Oakland, Michigan 11 $ 2,915,000 $ 265,000 $ 152,000
Burlington, New Jersey 11 $ 3,305,000 $ 300,454 $ 469,000
Washington, Oregon 11 $ 4,585,000 $ 416,818 $ 211,000
Prince William, Virginia 11 $ 5,265,000 $ 478,636 $ 432,000
Solano, California 10 $ 4,190,000 $ 419,000 $ 246,000
Collier, Florida 10 $ 2,400,000 $ 240,000 $ 497,000
DuPage, Illinois 10 $ 4,240,000 $ 424,000 $ 156,000
Frederick, Maryland 10 $ 4,870,000 $ 487,000 $ 166,000
Worcester, Massachusetts 10 $ 4,020,000 $ 402,000 $ 318,000
Camden, New Jersey 10 $ 3,120,000 $ 312,000 $ 144,000
Gloucester, New Jersey 10 $ 2,890,000 $ 289,000 $ 128,000
Erie, New York 10 $ 2,465,000 $ 246,500 $ 138,000
Delaware, Pennsylvania 10 $ 2,820,000 $ 282,000 $ 107,000
Greenville, South Carolina 10 $ 4,570,000 $ 457,000 $ 211,000
Utah, Utah 10 $ 3,270,000 $ 327,000 $ 179,000
Henrico, Virginia 10 $ 3,270,000 $ 327,000 $ 165,000
Virginia Beach, Virginia 10 $ 2,740,000 $ 274,000 $ 194,000
Benton, Arkansas 9 $ 3,905,000 $ 433,888 $ 189,000
Arapahoe, Colorado 9 $ 3,025,000 $ 336,111 $ 86,000
Seminole, Florida 9 $ 4,135,000 $ 459,444 $ 194,000
Forsyth, Georgia 9 $ 4,105,000 $ 456,111 $ 156,000
Allen, Indiana 9 $ 2,125,000 $ 236,111 $ 121,000
Orleans, Louisiana 9 $ 2,725,000 $ 302,777 $ 155,000
Baltimore, Maryland 9 $ 4,265,000 $ 473,888 $ 195,000
Essex, Massachusetts 9 $ 4,855,000 $ 539,444 $ 191,000
St. Charles, Missouri 9 $ 2,735,000 $ 303,888 $ 153,000
Nassau, New York 9 $ 4,865,000 $ 540,555 $ 301,000
Union, North Carolina 9 $ 4,385,000 $ 487,222 $ 222,000
Montgomery, Ohio 9 $ 1,595,000 $ 177,222 $ 279,000
Lancaster, Pennsylvania 9 $ 1,805,000 $ 200,555 $ 182,000
Rutherford, Tennessee 9 $ 3,705,000 $ 411,666 $ 162,000
Sonoma, California 8 $ 4,440,000 $ 555,000 $ 201,000
Ventura, California 8 $ 3,970,000 $ 496,250 $ 203,000
Clay, Florida 8 $ 1,870,000 $ 233,750 $ 97,000
Chatham, Georgia 8 $ 2,230,000 $ 278,750 $ 160,000
Lake, Indiana 8 $ 2,060,000 $ 257,500 $ 125,000
East Baton Rouge, Louisiana 8 $ 2,750,000 $ 343,750 $ 468,000
Jefferson, Louisiana 8 $ 2,160,000 $ 270,000 $ 102,000
Harford, Maryland 8 $ 2,020,000 $ 252,500 $ 140,000
Prince George's, Maryland 8 $ 2,120,000 $ 265,000 $ 179,000
Norfolk, Massachusetts 8 $ 3,890,000 $ 486,250 $ 209,000
Suffolk, Massachusetts 8 $ 4,290,000 $ 536,250 $ 134,000
Dakota, Minnesota 8 $ 3,570,000 $ 446,250 $ 142,000
Douglas, Nebraska 8 $ 1,680,000 $ 210,000 $ 379,000
Washoe, Nevada 8 $ 3,220,000 $ 402,500 $ 186,000
Mercer, New Jersey 8 $ 3,230,000 $ 403,750 $ 228,000
Westchester, New York 8 $ 5,930,000 $ 741,250 $ 206,000
Davidson, North Carolina 8 $ 1,190,000 $ 148,750 $ 72,000
Durham, North Carolina 8 $ 2,340,000 $ 292,500 $ 145,000
Lucas, Ohio 8 $ 1,490,000 $ 186,250 $ 111,000
Cumberland, Pennsylvania 8 $ 2,100,000 $ 262,500 $ 108,000
Monroe, Pennsylvania 8 $ 1,690,000 $ 211,250 $ 113,000
Providence, Rhode Island 8 $ 2,190,000 $ 273,750 $ 185,000
Loudoun, Virginia 8 $ 5,080,000 $ 635,000 $ 177,000
Berkeley, West Virginia 8 $ 1,580,000 $ 197,500 $ 108,000
Placer, California 7 $ 2,705,000 $ 386,428 $ 153,000
Alachua, Florida 7 $ 1,585,000 $ 226,428 $ 75,000
Manatee, Florida 7 $ 2,605,000 $ 372,142 $ 99,000
Osceola, Florida 7 $ 2,545,000 $ 363,571 $ 118,000
Cherokee, Georgia 7 $ 1,965,000 $ 280,714 $ 129,000
Ada, Idaho 7 $ 2,875,000 $ 410,714 $ 116,000
McHenry, Illinois 7 $ 1,415,000 $ 202,142 $ 209,000
St. Joseph, Indiana 7 $ 1,435,000 $ 205,000 $ 137,000
Tippecanoe, Indiana 7 $ 1,805,000 $ 257,857 $ 227,000
Androscoggin, Maine 7 $ 1,815,000 $ 259,285 $ 96,000
Ramsey, Minnesota 7 $ 2,065,000 $ 295,000 $ 147,000
Washington, Minnesota 7 $ 3,135,000 $ 447,857 $ 227,000
Greene, Missouri 7 $ 1,185,000 $ 169,285 $ 90,000
Hillsborough, New Hampshire 7 $ 3,775,000 $ 539,285 $ 198,000
Ocean, New Jersey 7 $ 2,165,000 $ 309,285 $ 193,000
Passaic, New Jersey 7 $ 2,385,000 $ 340,714 $ 1,297,000
Somerset, New Jersey 7 $ 2,635,000 $ 376,428 $ 244,000
Suffolk, New York 7 $ 3,185,000 $ 455,000 $ 618,000
Catawba, North Carolina 7 $ 2,875,000 $ 410,714 $ 159,000
Cumberland, North Carolina 7 $ 1,995,000 $ 285,000 $ 145,000
Iredell, North Carolina 7 $ 3,115,000 $ 445,000 $ 170,000
Lorain, Ohio 7 $ 1,905,000 $ 272,142 $ 255,000
Stark, Ohio 7 $ 1,065,000 $ 152,142 $ 194,000
Summit, Ohio 7 $ 1,295,000 $ 185,000 $ 109,000
Bucks, Pennsylvania 7 $ 2,355,000 $ 336,428 $ 132,000
Charleston, South Carolina 7 $ 3,925,000 $ 560,714 $ 230,000
Richland, South Carolina 7 $ 1,315,000 $ 187,857 $ 121,000
Kitsap, Washington 7 $ 2,905,000 $ 415,000 $ 190,000
Pulaski, Arkansas 6 $ 2,010,000 $ 335,000 $ 159,000
Marin, California 6 $ 5,380,000 $ 896,666 $ 1,146,000
San Francisco, California 6 $ 2,830,000 $ 471,666 $ 192,000
San Mateo, California 6 $ 4,230,000 $ 705,000 $ 327,000
Adams, Colorado 6 $ 2,550,000 $ 425,000 $ 119,000
Boulder, Colorado 6 $ 4,990,000 $ 831,666 $ 225,000
Weld, Colorado 6 $ 2,140,000 $ 356,666 $ 80,000
Coweta, Georgia 6 $ 1,950,000 $ 325,000 $ 163,000
Newton, Georgia 6 $ 1,370,000 $ 228,333 $ 87,000
Paulding, Georgia 6 $ 2,140,000 $ 356,666 $ 372,000
Walton, Georgia 6 $ 1,590,000 $ 265,000 $ 110,000
McLean, Illinois 6 $ 930,000 $ 155,000 $ 93,000
Polk, Iowa 6 $ 1,360,000 $ 226,666 $ 213,000
Charles, Maryland 6 $ 2,110,000 $ 351,666 $ 108,000
Howard, Maryland 6 $ 2,460,000 $ 410,000 $ 202,000
Bristol, Massachusetts 6 $ 1,900,000 $ 316,666 $ 97,000
Hampden, Massachusetts 6 $ 910,000 $ 151,666 $ 81,000
Plymouth, Massachusetts 6 $ 2,180,000 $ 363,333 $ 155,000
Kent, Michigan 6 $ 1,440,000 $ 240,000 $ 111,000
St. Louis, Minnesota 6 $ 1,180,000 $ 196,666 $ 78,000
St. Louis City, Missouri 6 $ 1,520,000 $ 253,333 $ 236,000
Union, New Jersey 6 $ 4,030,000 $ 671,666 $ 163,000
Warren, New Jersey 6 $ 1,830,000 $ 305,000 $ 148,000
New York, New York 6 $ 4,030,000 $ 671,666 $ 301,000
Cabarrus, North Carolina 6 $ 2,310,000 $ 385,000 $ 147,000
Clermont, Ohio 6 $ 1,710,000 $ 285,000 $ 1,615,000
Lake, Ohio 6 $ 1,080,000 $ 180,000 $ 70,000
Mahoning, Ohio 6 $ 1,540,000 $ 256,666 $ 209,000
Douglas, Oregon 6 $ 1,020,000 $ 170,000 $ 106,000
Chester, Pennsylvania 6 $ 2,110,000 $ 351,666 $ 153,000
Dauphin, Pennsylvania 6 $ 1,470,000 $ 245,000 $ 116,000
Luzerne, Pennsylvania 6 $ 1,520,000 $ 253,333 $ 128,000
York, Pennsylvania 6 $ 1,510,000 $ 251,666 $ 124,000
Berkeley, South Carolina 6 $ 1,580,000 $ 263,333 $ 96,000
Lancaster, South Carolina 6 $ 2,850,000 $ 475,000 $ 197,000
Spartanburg, South Carolina 6 $ 1,440,000 $ 240,000 $ 108,000
Knox, Tennessee 6 $ 2,440,000 $ 406,666 $ 349,000
Williamson, Tennessee 6 $ 2,870,000 $ 478,333 $ 153,000
Bell, Texas 6 $ 1,210,000 $ 201,666 $ 174,000
El Paso, Texas 6 $ 1,430,000 $ 238,333 $ 106,000
Hays, Texas 6 $ 2,420,000 $ 403,333 $ 262,000
Midland, Texas 6 $ 2,100,000 $ 350,000 $ 145,000
Parker, Texas 6 $ 3,060,000 $ 510,000 $ 380,000
Chesapeake, Virginia 6 $ 1,890,000 $ 315,000 $ 119,000
Chesterfield, Virginia 6 $ 2,240,000 $ 373,333 $ 145,000
Rock, Wisconsin 6 $ 850,000 $ 141,666 $ 41,000
Baldwin, Alabama 5 $ 1,355,000 $ 271,000 $ 120,000
Mobile, Alabama 5 $ 855,000 $ 171,000 $ 64,000
Garland, Arkansas 5 $ 1,085,000 $ 217,000 $ 112,000
Santa Barbara, California 5 $ 1,985,000 $ 397,000 $ 95,000
Mesa, Colorado 5 $ 1,735,000 $ 347,000 $ 160,000
Citrus, Florida 5 $ 1,445,000 $ 289,000 $ 237,000
Escambia, Florida 5 $ 995,000 $ 199,000 $ 111,000
Leon, Florida 5 $ 1,585,000 $ 317,000 $ 177,000
Martin, Florida 5 $ 1,985,000 $ 397,000 $ 495,000
St. Lucie, Florida 5 $ 1,055,000 $ 211,000 $ 93,000
Henry, Georgia 5 $ 1,225,000 $ 245,000 $ 86,000
Elkhart, Indiana 5 $ 735,000 $ 147,000 $ 98,000
Linn, Iowa 5 $ 815,000 $ 163,000 $ 1,105,000
Washington, Maryland 5 $ 1,645,000 $ 329,000 $ 131,000
Eaton, Michigan 5 $ 725,000 $ 145,000 $ 88,000
Genesee, Michigan 5 $ 975,000 $ 195,000 $ 100,000
Anoka, Minnesota 5 $ 1,655,000 $ 331,000 $ 189,000
Rockingham, New Hampshire 5 $ 1,435,000 $ 287,000 $ 98,000
Dutchess, New York 5 $ 1,875,000 $ 375,000 $ 190,000
Licking, Ohio 5 $ 1,315,000 $ 263,000 $ 547,000
Richland, Ohio 5 $ 925,000 $ 185,000 $ 65,000
Clackamas, Oregon 5 $ 2,495,000 $ 499,000 $ 156,000
Beaver, Pennsylvania 5 $ 965,000 $ 193,000 $ 133,000
Lehigh, Pennsylvania 5 $ 1,345,000 $ 269,000 $ 106,000
Westmoreland, Pennsylvania 5 $ 1,005,000 $ 201,000 $ 162,000
York, South Carolina 5 $ 2,395,000 $ 479,000 $ 188,000
Greene, Tennessee 5 $ 785,000 $ 157,000 $ 53,000
Brazoria, Texas 5 $ 1,155,000 $ 231,000 $ 168,000
Hidalgo, Texas 5 $ 1,555,000 $ 311,000 $ 206,000
Matagorda, Texas 5 $ 885,000 $ 177,000 $ 105,000
Arlington, Virginia 5 $ 2,095,000 $ 419,000 $ 267,000
Hanover, Virginia 5 $ 1,925,000 $ 385,000 $ 181,000
Norfolk, Virginia 5 $ 1,065,000 $ 213,000 $ 108,000
Benton, Washington 5 $ 1,655,000 $ 331,000 $ 145,000
Grant, Washington 5 $ 875,000 $ 175,000 $ 104,000
Yakima, Washington 5 $ 1,295,000 $ 259,000 $ 76,000
Dane, Wisconsin 5 $ 1,755,000 $ 351,000 $ 192,000
Shelby, Alabama 4 $ 1,390,000 $ 347,500 $ 105,000
Cochise, Arizona 4 $ 820,000 $ 205,000 $ 207,000
Yavapai, Arizona 4 $ 1,690,000 $ 422,500 $ 140,000
Faulkner, Arkansas 4 $ 920,000 $ 230,000 $ 90,000
Merced, California 4 $ 1,700,000 $ 425,000 $ 399,000
Nevada, California 4 $ 1,400,000 $ 350,000 $ 176,000
Shasta, California 4 $ 900,000 $ 225,000 $ 394,000
Tulare, California 4 $ 910,000 $ 227,500 $ 190,000
Larimer, Colorado 4 $ 2,080,000 $ 520,000 $ 201,000
Middlesex, Connecticut 4 $ 1,220,000 $ 305,000 $ 220,000
New London, Connecticut 4 $ 1,360,000 $ 340,000 $ 117,000
Sussex, Delaware 4 $ 1,040,000 $ 260,000 $ 104,000
Nassau, Florida 4 $ 1,170,000 $ 292,500 $ 72,000
Putnam, Florida 4 $ 900,000 $ 225,000 $ 124,000
Bibb, Georgia 4 $ 610,000 $ 152,500 $ 77,000
Clayton, Georgia 4 $ 850,000 $ 212,500 $ 79,000
Rockdale, Georgia 4 $ 1,000,000 $ 250,000 $ 96,000
Kootenai, Idaho 4 $ 1,570,000 $ 392,500 $ 135,000
DeKalb, Illinois 4 $ 510,000 $ 127,500 $ 86,000
Winnebago, Illinois 4 $ 620,000 $ 155,000 $ 128,000
Lafayette, Louisiana 4 $ 1,200,000 $ 300,000 $ 159,000
St. Tammany, Louisiana 4 $ 1,480,000 $ 370,000 $ 154,000
Cumberland, Maine 4 $ 1,590,000 $ 397,500 $ 465,000
Knox, Maine 4 $ 860,000 $ 215,000 $ 167,000
Penobscot, Maine 4 $ 690,000 $ 172,500 $ 87,000
Berrien, Michigan 4 $ 880,000 $ 220,000 $ 135,000
Calhoun, Michigan 4 $ 1,020,000 $ 255,000 $ 123,000
Midland, Michigan 4 $ 810,000 $ 202,500 $ 51,000
Wright, Minnesota 4 $ 1,410,000 $ 352,500 $ 203,000
Boone, Missouri 4 $ 970,000 $ 242,500 $ 144,000
Franklin, Missouri 4 $ 740,000 $ 185,000 $ 249,000
Jasper, Missouri 4 $ 840,000 $ 210,000 $ 152,000
Lancaster, Nebraska 4 $ 1,480,000 $ 370,000 $ 155,000
Grafton, New Hampshire 4 $ 780,000 $ 195,000 $ 166,000
Merrimack, New Hampshire 4 $ 890,000 $ 222,500 $ 82,000
Dona Ana, New Mexico 4 $ 760,000 $ 190,000 $ 122,000
Kings, New York 4 $ 1,800,000 $ 450,000 $ 95,000
Monroe, New York 4 $ 1,660,000 $ 415,000 $ 256,000
Buncombe, North Carolina 4 $ 1,320,000 $ 330,000 $ 122,000
Craven, North Carolina 4 $ 670,000 $ 167,500 $ 128,000
Onslow, North Carolina 4 $ 790,000 $ 197,500 $ 93,000
Delaware, Ohio 4 $ 1,250,000 $ 312,500 $ 127,000
Canadian, Oklahoma 4 $ 1,070,000 $ 267,500 $ 69,000
Grady, Oklahoma 4 $ 810,000 $ 202,500 $ 180,000
Kay, Oklahoma 4 $ 420,000 $ 105,000 $ 14,000
Rogers, Oklahoma 4 $ 1,890,000 $ 472,500 $ 288,000
Butler, Pennsylvania 4 $ 1,290,000 $ 322,500 $ 157,000
Northampton, Pennsylvania 4 $ 990,000 $ 247,500 $ 93,000
Lexington, South Carolina 4 $ 1,190,000 $ 297,500 $ 130,000
Pickens, South Carolina 4 $ 930,000 $ 232,500 $ 154,000
Maury, Tennessee 4 $ 1,290,000 $ 322,500 $ 189,000
Sumner, Tennessee 4 $ 1,230,000 $ 307,500 $ 106,000
Galveston, Texas 4 $ 1,440,000 $ 360,000 $ 317,000
McLennan, Texas 4 $ 1,100,000 $ 275,000 $ 123,000
Nueces, Texas 4 $ 770,000 $ 192,500 $ 100,000
Rockwall, Texas 4 $ 1,770,000 $ 442,500 $ 130,000
Weber, Utah 4 $ 1,240,000 $ 310,000 $ 138,000
Richmond City, Virginia 4 $ 980,000 $ 245,000 $ 129,000
Thurston, Washington 4 $ 1,560,000 $ 390,000 $ 165,000
Jefferson, West Virginia 4 $ 1,520,000 $ 380,000 $ 193,000
Waukesha, Wisconsin 4 $ 1,320,000 $ 330,000 $ 151,000
Campbell, Wyoming 4 $ 800,000 $ 200,000 $ 72,000
Etowah, Alabama 3 $ 485,000 $ 161,666 $ 92,000
Morgan, Alabama 3 $ 535,000 $ 178,333 $ 105,000
St. Clair, Alabama 3 $ 605,000 $ 201,666 $ 55,000
Talladega, Alabama 3 $ 445,000 $ 148,333 $ 77,000
Crittenden, Arkansas 3 $ 465,000 $ 155,000 $ 451,000
Mississippi, Arkansas 3 $ 365,000 $ 121,666 $ 87,000
El Dorado, California 3 $ 1,955,000 $ 651,666 $ 216,000
Tehama, California 3 $ 765,000 $ 255,000 $ 112,000
Broomfield, Colorado 3 $ 1,675,000 $ 558,333 $ 131,000
Eagle, Colorado 3 $ 1,825,000 $ 608,333 $ 274,000
Tolland, Connecticut 3 $ 585,000 $ 195,000 $ 103,000
Kent, Delaware 3 $ 845,000 $ 281,666 $ 85,000
Bay, Florida 3 $ 2,445,000 $ 815,000 $ 150,000
Charlotte, Florida 3 $ 1,025,000 $ 341,666 $ 100,000
Flagler, Florida 3 $ 1,045,000 $ 348,333 $ 148,000
Hernando, Florida 3 $ 775,000 $ 258,333 $ 187,000
Santa Rosa, Florida 3 $ 845,000 $ 281,666 $ 136,000
Sumter, Florida 3 $ 655,000 $ 218,333 $ 178,000
Carroll, Georgia 3 $ 705,000 $ 235,000 $ 70,000
Columbia, Georgia 3 $ 995,000 $ 331,666 $ 116,000
Douglas, Georgia 3 $ 985,000 $ 328,333 $ 134,000
Fayette, Georgia 3 $ 1,045,000 $ 348,333 $ 157,000
Hall, Georgia 3 $ 695,000 $ 231,666 $ 76,000
Liberty, Georgia 3 $ 345,000 $ 115,000 $ 111,000
Lowndes, Georgia 3 $ 515,000 $ 171,666 $ 443,000
Pierce, Georgia 3 $ 545,000 $ 181,666 $ 108,000
White, Georgia 3 $ 825,000 $ 275,000 $ 152,000
Nez Perce, Idaho 3 $ 465,000 $ 155,000 $ 97,000
Jo Daviess, Illinois 3 $ 455,000 $ 151,666 $ 137,000
Kendall, Illinois 3 $ 1,085,000 $ 361,666 $ 142,000
Madison, Illinois 3 $ 515,000 $ 171,666 $ 65,000
St. Clair, Illinois 3 $ 475,000 $ 158,333 $ 124,000
Vermilion, Illinois 3 $ 395,000 $ 131,666 $ 89,000
DeKalb, Indiana 3 $ 645,000 $ 215,000 $ 363,000
Floyd, Indiana 3 $ 435,000 $ 145,000 $ 123,000
Hendricks, Indiana 3 $ 685,000 $ 228,333 $ 142,000
Johnson, Indiana 3 $ 605,000 $ 201,666 $ 89,000
Porter, Indiana 3 $ 925,000 $ 308,333 $ 261,000
Vigo, Indiana 3 $ 985,000 $ 328,333 $ 117,000
Woodbury, Iowa 3 $ 445,000 $ 148,333 $ 50,000
McCracken, Kentucky 3 $ 575,000 $ 191,666 $ 110,000
Scott, Kentucky 3 $ 895,000 $ 298,333 $ 159,000
Caddo, Louisiana 3 $ 745,000 $ 248,333 $ 112,000
Wicomico, Maryland 3 $ 685,000 $ 228,333 $ 33,000
Barnstable, Massachusetts 3 $ 1,105,000 $ 368,333 $ 129,000
Berkshire, Massachusetts 3 $ 1,155,000 $ 385,000 $ 60,000
Grand Traverse, Michigan 3 $ 745,000 $ 248,333 $ 100,000
Kalamazoo, Michigan 3 $ 445,000 $ 148,333 $ 180,000
Monroe, Michigan 3 $ 595,000 $ 198,333 $ 126,000
Washtenaw, Michigan 3 $ 765,000 $ 255,000 $ 168,000
Olmsted, Minnesota 3 $ 695,000 $ 231,666 $ 120,000
Harrison, Mississippi 3 $ 495,000 $ 165,000 $ 67,000
Camden, Missouri 3 $ 605,000 $ 201,666 $ 148,000
Clay, Missouri 3 $ 595,000 $ 198,333 $ 97,000
Jefferson, Missouri 3 $ 915,000 $ 305,000 $ 150,000
Cascade, Montana 3 $ 695,000 $ 231,666 $ 164,000
Flathead, Montana 3 $ 3,405,000 $ 1,135,000 $ 282,000
Gallatin, Montana 3 $ 2,195,000 $ 731,666 $ 358,000
Lewis and Clark, Montana 3 $ 1,135,000 $ 378,333 $ 149,000
Yellowstone, Montana 3 $ 1,085,000 $ 361,666 $ 172,000
Kimball, Nebraska 3 $ 425,000 $ 141,666 $ 38,000
Nemaha, Nebraska 3 $ 785,000 $ 261,666 $ 135,000
Sarpy, Nebraska 3 $ 1,405,000 $ 468,333 $ 246,000
Atlantic, New Jersey 3 $ 695,000 $ 231,666 $ 93,000
Sussex, New Jersey 3 $ 1,785,000 $ 595,000 $ 282,000
Santa Fe, New Mexico 3 $ 1,195,000 $ 398,333 $ 421,000
Onondaga, New York 3 $ 525,000 $ 175,000 $ 128,000
Orange, New York 3 $ 1,465,000 $ 488,333 $ 198,000
Queens, New York 3 $ 1,655,000 $ 551,666 $ 229,000
Rockland, New York 3 $ 2,115,000 $ 705,000 $ 257,000
Brunswick, North Carolina 3 $ 895,000 $ 298,333 $ 167,000
Dare, North Carolina 3 $ 1,785,000 $ 595,000 $ 204,000
Forsyth, North Carolina 3 $ 1,105,000 $ 368,333 $ 225,000
Gaston, North Carolina 3 $ 515,000 $ 171,666 $ 67,000
Harnett, North Carolina 3 $ 715,000 $ 238,333 $ 123,000
Henderson, North Carolina 3 $ 775,000 $ 258,333 $ 88,000
Johnston, North Carolina 3 $ 1,205,000 $ 401,666 $ 156,000
Lincoln, North Carolina 3 $ 665,000 $ 221,666 $ 141,000
Nash, North Carolina 3 $ 645,000 $ 215,000 $ 115,000
New Hanover, North Carolina 3 $ 975,000 $ 325,000 $ 144,000
Geauga, Ohio 3 $ 915,000 $ 305,000 $ 234,000
Cleveland, Oklahoma 3 $ 595,000 $ 198,333 $ 63,000
Le Flore, Oklahoma 3 $ 345,000 $ 115,000 $ 34,000
Logan, Oklahoma 3 $ 525,000 $ 175,000 $ 39,000
Coos, Oregon 3 $ 715,000 $ 238,333 $ 136,000
Lane, Oregon 3 $ 1,215,000 $ 405,000 $ 107,000
Berks, Pennsylvania 3 $ 965,000 $ 321,666 $ 177,000
Blair, Pennsylvania 3 $ 795,000 $ 265,000 $ 176,000
Crawford, Pennsylvania 3 $ 595,000 $ 198,333 $ 378,000
McKean, Pennsylvania 3 $ 515,000 $ 171,666 $ 65,000
Perry, Pennsylvania 3 $ 735,000 $ 245,000 $ 55,000
Pike, Pennsylvania 3 $ 935,000 $ 311,666 $ 152,000
Aiken, South Carolina 3 $ 385,000 $ 128,333 $ 78,000
Beaufort, South Carolina 3 $ 1,215,000 $ 405,000 $ 242,000
Dorchester, South Carolina 3 $ 665,000 $ 221,666 $ 50,000
Sumter, South Carolina 3 $ 395,000 $ 131,666 $ 43,000
Minnehaha, South Dakota 3 $ 1,015,000 $ 338,333 $ 185,000
Jefferson, Tennessee 3 $ 995,000 $ 331,666 $ 128,000
Wilson, Tennessee 3 $ 1,535,000 $ 511,666 $ 188,000
Brazos, Texas 3 $ 905,000 $ 301,666 $ 169,000
Ellis, Texas 3 $ 1,115,000 $ 371,666 $ 144,000
Erath, Texas 3 $ 855,000 $ 285,000 $ 104,000
Hunt, Texas 3 $ 945,000 $ 315,000 $ 1,179,000
Nacogdoches, Texas 3 $ 515,000 $ 171,666 $ 66,000
Randall, Texas 3 $ 675,000 $ 225,000 $ 175,000
Waller, Texas 3 $ 1,345,000 $ 448,333 $ 136,000
Carbon, Utah 3 $ 315,000 $ 105,000 $ 32,000
Davis, Utah 3 $ 1,085,000 $ 361,666 $ 184,000
Addison, Vermont 3 $ 1,345,000 $ 448,333 $ 144,000
Lamoille, Vermont 3 $ 615,000 $ 205,000 $ 2,280,000
Albemarle, Virginia 3 $ 965,000 $ 321,666 $ 219,000
Spotsylvania, Virginia 3 $ 1,555,000 $ 518,333 $ 231,000
Suffolk, Virginia 3 $ 1,395,000 $ 465,000 $ 259,000
Island, Washington 3 $ 1,145,000 $ 381,666 $ 142,000
Outagamie, Wisconsin 3 $ 535,000 $ 178,333 $ 119,000
Calhoun, Alabama 2 $ 370,000 $ 185,000 $ 60,000
Lee, Alabama 2 $ 550,000 $ 275,000 $ 221,000
Marshall, Alabama 2 $ 690,000 $ 345,000 $ 172,000
Montgomery, Alabama 2 $ 270,000 $ 135,000 $ 79,000
Russell, Alabama 2 $ 320,000 $ 160,000 $ 94,000
Tallapoosa, Alabama 2 $ 550,000 $ 275,000 $ 56,000
Washington, Alabama 2 $ 210,000 $ 105,000 $ 45,000
Anchorage, Alaska 2 $ 490,000 $ 245,000 $ 93,000
Fairbanks North Star, Alaska 2 $ 530,000 $ 265,000 $ 81,000
Coconino, Arizona 2 $ 680,000 $ 340,000 $ 68,000
Hot Spring, Arkansas 2 $ 520,000 $ 260,000 $ 112,000
Marion, Arkansas 2 $ 700,000 $ 350,000 $ 95,000
Saline, Arkansas 2 $ 810,000 $ 405,000 $ 166,000
St. Francis, Arkansas 2 $ 210,000 $ 105,000 $ 33,000
Washington, Arkansas 2 $ 520,000 $ 260,000 $ 283,000
Kings, California 2 $ 590,000 $ 295,000 $ 154,000
Monterey, California 2 $ 1,020,000 $ 510,000 $ 158,000
Napa, California 2 $ 1,010,000 $ 505,000 $ 354,000
Stanislaus, California 2 $ 700,000 $ 350,000 $ 175,000
Yolo, California 2 $ 860,000 $ 430,000 $ 179,000
Yuba, California 2 $ 290,000 $ 145,000 $ 68,000
La Plata, Colorado 2 $ 530,000 $ 265,000 $ 98,000
Lake, Colorado 2 $ 660,000 $ 330,000 $ 218,000
Morgan, Colorado 2 $ 320,000 $ 160,000 $ 102,000
Pitkin, Colorado 2 $ 1,230,000 $ 615,000 $ 777,000
Routt, Colorado 2 $ 1,520,000 $ 760,000 $ 1,224,000
Teller, Colorado 2 $ 380,000 $ 190,000 $ 65,000
Windham, Connecticut 2 $ 590,000 $ 295,000 $ 131,000
Okaloosa, Florida 2 $ 560,000 $ 280,000 $ 142,000
Suwannee, Florida 2 $ 610,000 $ 305,000 $ 321,000
Barrow, Georgia 2 $ 340,000 $ 170,000 $ 93,000
Clarke, Georgia 2 $ 1,110,000 $ 555,000 $ 209,000
Grady, Georgia 2 $ 750,000 $ 375,000 $ 151,000
Jackson, Georgia 2 $ 510,000 $ 255,000 $ 265,000
Murray, Georgia 2 $ 290,000 $ 145,000 $ 40,000
Muscogee, Georgia 2 $ 290,000 $ 145,000 $ 106,000
Canyon, Idaho 2 $ 380,000 $ 190,000 $ 93,000
Elmore, Idaho 2 $ 460,000 $ 230,000 $ 64,000
Bond, Illinois 2 $ 320,000 $ 160,000 $ 40,000
Grundy, Illinois 2 $ 520,000 $ 260,000 $ 169,000
Macon, Illinois 2 $ 660,000 $ 330,000 $ 70,000
Peoria, Illinois 2 $ 550,000 $ 275,000 $ 97,000
Sangamon, Illinois 2 $ 540,000 $ 270,000 $ 203,000
Williamson, Illinois 2 $ 430,000 $ 215,000 $ 185,000
Bartholomew, Indiana 2 $ 280,000 $ 140,000 $ 125,000
Boone, Indiana 2 $ 810,000 $ 405,000 $ 158,000
Brown, Indiana 2 $ 350,000 $ 175,000 $ 90,000
Clark, Indiana 2 $ 550,000 $ 275,000 $ 196,000
Howard, Indiana 2 $ 260,000 $ 130,000 $ 121,000
Kosciusko, Indiana 2 $ 490,000 $ 245,000 $ 295,000
LaPorte, Indiana 2 $ 1,200,000 $ 600,000 $ 128,000
Madison, Indiana 2 $ 440,000 $ 220,000 $ 104,000
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Mortgage Loan Application Detail Totals for Sofi Bank, National Association in 2022

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 2,210 $891,295,000 $403,000 $2,295,000 $213,000 $7,668,000
Cash-out Refinancing 2,028 $612,850,000 $302,000 $2,305,000 $161,000 $8,448,000
Refinancing 436 $126,780,000 $290,000 $2,055,000 $184,000 $6,540,000
Other Purpose 315 $75,215,000 $238,000 $1,845,000 $159,000 $6,547,000
Home Improvement 12 $2,300,000 $191,000 $405,000 $115,000 $396,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 2,188 $710,995,000 $325,000 $2,305,000 $172,000 $5,792,000
Not Provided 1,549 $544,035,000 $351,000 $2,295,000 $191,000 $7,668,000
Hispanic 452 $153,340,000 $339,000 $1,315,000 $191,000 $7,327,000
Asian 394 $176,000,000 $446,000 $1,915,000 $252,000 $5,700,000
Black or African American 354 $109,440,000 $309,000 $1,475,000 $173,000 $8,448,000
American Indian or Alaskan Native 54 $11,770,000 $217,000 $885,000 $154,000 $840,000
Native Hawaiian or Other Pacific Islander 8 $2,330,000 $291,000 $535,000 $94,000 $162,000
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 5,001 $1,708,440,000 $341,000 $2,305,000 $186,000 $8,448,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Application Denied By Financial Institution 2,396 $789,825,000 $329,000 $2,305,000 $174,000 $8,448,000
Application Withdrawn By Applicant 1,766 $636,190,000 $360,000 $2,265,000 $213,000 $7,668,000
Loan Originated 818 $276,130,000 $337,000 $1,365,000 $162,000 $1,040,000
Application Approved But Not Accepted 21 $6,295,000 $299,000 $625,000 $139,000 $230,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 2,605 $918,615,000 $352,000 $2,265,000 $196,000 $7,668,000
Credit Application Incomplete 1,394 $500,330,000 $358,000 $2,305,000 $205,000 $5,700,000
Credit History 432 $104,145,000 $241,000 $1,915,000 $141,000 $8,448,000
Debt-To-Income Ratio 339 $121,285,000 $357,000 $2,005,000 $91,000 $440,000
Collateral 97 $28,305,000 $291,000 $1,555,000 $212,000 $6,547,000
Other 52 $11,210,000 $215,000 $715,000 $131,000 $486,000
Insufficient Cash (Downpayment, Closing Cost) 38 $11,070,000 $291,000 $1,105,000 $125,000 $321,000
Unverifiable Information 36 $10,620,000 $295,000 $1,845,000 $201,000 $1,320,000
Employment History 7 $2,565,000 $366,000 $635,000 $171,000 $780,000
Mortgage Insurance Denied 1 $295,000 $295,000 $295,000 $128,000 $128,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Sofi Bank, National Association's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Sofi Bank, National Association's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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