SoFi Bank
Cottonwood Heights, Utah · HQ in Salt Lake County · NMLS #1121636
SoFi Bank, National Association (NMLS #1121636) is a national digital bank offering home loans. Florida HMDA data reports multi-thousand originations in 2025.
Public research signals
What we can show from re-checkable or attributed sources for this listing — not a grade, ranking, or approval odds.
- NMLS verifiedNMLS #1121636 — re-confirm on NMLS Consumer Access before applying.
- Local HQ evidenceHQ locality derived from listed_county (Cottonwood Heights)
- No attributed ratingNo volume-backed third-party rating on file
- CFPB complaint record availablePublic CFPB complaint context available — not a finding of fault
- HMDA activity availableMatched federal HMDA activity panel available on profile
Evidence chips are not rankings, approval odds, or a grade. Methodology
- NMLS / license status
- NMLS ID verified
- NMLS #1121636 — re-confirm on NMLS Consumer Access before applying.
- Local market evidence
- Local market evidence · Salt Lake County
- HQ locality derived from listed_county (Cottonwood Heights)
Does not measure approval odds, interest rates, closing speed, or future service quality. Not a regulator grade or NMLS endorsement.
Optional: technical composite factors (not a public grade)
Internal composite for methodology transparency only. We do not present this as a ranking score on cards.
- NMLS identity evidence: 28/28 — NMLS #1121636 — re-confirm on NMLS Consumer Access before applying.
- Third-party reputation snapshot: 0/26 — No review volume on file
- CFPB complaint pattern: 8/16 — Catalog shows 0 complaints — treated as unverified default, not a clean bill of health
- BBB grade (catalog): 0/12 — Grade A listed in seed data — not scored until independently sourced (confirm on BBB.org)
- Licensed locality completeness: 8/12 — Derived HQ locality: Salt Lake County (listed_county)
- Loan type disclosure: 6/6 — 3 loan type(s) listed
Ask Trust Hub Standard · Common ownership · Separated research & listing order · No paid placements · Methodology
Closing timelines are only shown when backed by a documented observed dataset (source, sample size, window). Seed or editorial estimates are not displayed. Hub methodology. Research listing only — not an endorsement of this lender. Re-verify NMLS #1121636 on NMLS Consumer Access.
Loan Types
Specialties
Public metrics (provenance-gated)
Raw count as listed — not size-normalized. A complaint is not a finding of wrongdoing.
Self-described product focus as listed — not underwriting criteria.
Third-party review and BBB snapshots are suppressed until independently retrieved. Volume ranks are not shown without a documented source.
Federal mortgage data · HMDA
What the federal data shows
Source: 2025 HMDA · California activity (primary of 51 states) · Not a score or ranking
Among tracked high-volume counties in this state slice
HMDA applications in state summary (selected outcomes)
Also mapped in: Florida (1,042 originations) · North Carolina (865 originations) · Texas (858 originations) · New Jersey (752 originations) · Illinois (709 originations) · Georgia (704 originations) · Pennsylvania (668 originations) · Ohio (585 originations) · Virginia (529 originations) · Washington (492 originations) · Arizona (450 originations) · Colorado (438 originations) · Tennessee (408 originations) · Michigan (393 originations) · Indiana (389 originations) · Maryland (368 originations) · Massachusetts (364 originations) · South Carolina (345 originations) · Minnesota (328 originations) · Missouri (318 originations) · Connecticut (282 originations) · Wisconsin (277 originations) · Nevada (260 originations) · Utah (230 originations) · Oregon (212 originations) · Alabama (188 originations) · Kentucky (170 originations) · Kansas (165 originations) · Oklahoma (156 originations) · Arkansas (123 originations) · New York (122 originations) · Idaho (118 originations) · Nebraska (116 originations) · New Hampshire (92 originations) · Iowa (92 originations) · Louisiana (87 originations) · Delaware (78 originations) · Maine (75 originations) · West Virginia (73 originations) · Mississippi (72 originations) · Montana (72 originations) · New Mexico (70 originations) · Rhode Island (64 originations) · Alaska (42 originations) · South Dakota (40 originations) · Wyoming (35 originations) · District of Columbia (28 originations) · Vermont (26 originations) · Hawaii (24 originations) · North Dakota (17 originations)
Top counties by originations
- Los Angeles County369
- San Diego County175
- Orange County169
- Riverside County144
- San Bernardino County106
Loan-type mix (California originations)
Data as of 2025 HMDA. Figures are derived from public HMDA records published by the CFPB/FFIEC Data Browser. They reflect reported mortgage applications and originations, not a rating or endorsement. CFPB/FFIEC HMDA Data Browser.
We show the public record. You decide.
Consumer complaint context · CFPB
What the public complaint record shows
Source: CFPB Consumer Complaint Database · Mortgage product only · Not a score or ranking
Cumulative published rows for matched company name(s)
Published on or after 2024-08-10
118 yes · 0 no (CFPB field)
Top complaint issues
- Applying for a mortgage or refinancing an existing mortgage51(43.2%)
- Trouble during payment process42(35.6%)
- Closing on a mortgage13(11%)
- Struggling to pay mortgage5(4.2%)
- Incorrect information on your report4(3.4%)
Company response (as published)
- Closed with explanation105(89%)
- Closed with monetary relief9(7.6%)
- Closed with non-monetary relief4(3.4%)
85.4complaints / 1,000 FL originations
Uses recent (~24 month) national mortgage complaints (89) and Florida HMDA originations (1,042, 2025). These windows are not the same market or period — this is rough size context only, not a ranking or fault finding.
Matching & scope
Combined CFPB rows for “SOFI TECHNOLOGIES, INC.” and “SoFi Mortgage, LLC”. Counts are summed; volume is modest relative to large bank servicers.
CFPB company name(s): SOFI TECHNOLOGIES, INC.; SoFi Mortgage, LLC
Complaints are national (CFPB mortgage product). HMDA originations on this site are currently Florida-focused for matched LEIs. A per-1,000 rate mixes national complaint volume with state originations — use only as rough size context, not a score. Linked Florida HMDA originations (2025): 1,042.
Data as of 2026-08-10. Complaint counts come from the public CFPB Consumer Complaint Database (mortgage product only). They are not a finding of fault, not size-normalized by default, and are not a rating or ranking. Larger originators and servicers naturally attract more complaints. CFPB Consumer Complaint Database.
We show the public record. You decide.
Research listing only — not an endorsement. Re-verify NMLS identity on NMLS Consumer Access before applying. Lender Trust Hub is not a lender or broker.