Sofi Bank in Texas vs the state
10.1%Denial rate-9.35 pts vs state
32.9%Decision denial rate+7.95 pts vs state
20.2%Origination rate-34.67 pts vs state
6.99%Median rate+0.49 pts vs state
0.59Rate spread (pts)+0.39 pts vs state
$145kMedian applicant income
858Loans originated
428Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 936 | 262 | 15.9% | 6.88% | #161 |
| 2024 | 1,013 | 339 | 16.9% | 6.63% | #164 |
| 2025 | 4,246 | 858 | 10.1% | 6.99% | #47 |
What Sofi Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Sofi Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 611 | 124 | 40 | 6.5% |
| Dallas County | 367 | 82 | 31 | 8.4% |
| Tarrant County | 324 | 72 | 32 | 9.9% |
| Collin County | 320 | 54 | 24 | 7.5% |
| Bexar County | 257 | 51 | 31 | 12.1% |
| Denton County | 247 | 55 | 26 | 10.5% |
| Travis County | 244 | 58 | 34 | 13.9% |
| Fort Bend County | 207 | 37 | 33 | 15.9% |
| Williamson County | 141 | 33 | 9 | 6.4% |
| Montgomery County | 135 | 30 | 11 | 8.1% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 4,246 applications in 2025, of which 858 were originated and 428 denied.
10.1% of all applications, or 32.9% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Sofi Bank originated in Texas in 2025 was 6.99%, against a statewide median of 6.50%.
About this data. Figures are Sofi Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology