CFPB Consumer Complaint Profile
SoFi Mortgage, LLC
Behind the 20 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 20
- Total complaints
- Mid-range
- 0
- Last 12 months
- 100%
- Timely response
- Top decile
- 15
- States affected
The verdict
20 CFPB complaints put SoFi Mortgage, LLC at #2861 out of 3,843 financial companies ranked by complaint volume. It posts a 100% on-time response rate, the 86th percentile among companies with 100+ complaints.
- #2861
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Mortgage
- most-complained product
- 15
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
SoFi Mortgage, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2019 | 5 |
| 2020 | 7 |
| 2021 | 8 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for SoFi Mortgage, LLC
20 complaints against SoFi Mortgage, LLC appear in the CFPB record, including 0 from the trailing year. The 15 states and territories represented put this footprint in multi-regional territory. The single largest complaint category is "Mortgage," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Applying for a mortgage or refinancing an existing mortgage," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, SoFi Mortgage, LLC posts a 100% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Among resolved complaints, 5% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does SoFi Mortgage, LLC have?
The CFPB has logged 20 complaints against SoFi Mortgage, LLC to date, of which 0 came in over the last 12 months.
Does SoFi Mortgage, LLC respond to complaints on time?
SoFi Mortgage, LLC's CFPB timely-response rate is 100%. That is a strong response record by CFPB standards.
What product generates the most complaints for SoFi Mortgage, LLC?
"Mortgage" draws more CFPB complaints against SoFi Mortgage, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with SoFi Mortgage, LLC?
Consumers most often cite "Applying for a mortgage or refinancing an existing mortgage" when complaining about SoFi Mortgage, LLC; the full issue list with counts is above.
How do I file a complaint against SoFi Mortgage, LLC?
You can file a complaint against SoFi Mortgage, LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about SoFi Mortgage, LLC?
Consumers in 15 states and territories have filed complaints about SoFi Mortgage, LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does SoFi Mortgage, LLC have?
The CFPB has logged 20 complaints against SoFi Mortgage, LLC to date, of which 0 came in over the last 12 months.
Does SoFi Mortgage, LLC respond to complaints on time?
SoFi Mortgage, LLC's CFPB timely-response rate is 100%. That is a strong response record by CFPB standards.
What product generates the most complaints for SoFi Mortgage, LLC?
"Mortgage" draws more CFPB complaints against SoFi Mortgage, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with SoFi Mortgage, LLC?
Consumers most often cite "Applying for a mortgage or refinancing an existing mortgage" when complaining about SoFi Mortgage, LLC; the full issue list with counts is above.
How do I file a complaint against SoFi Mortgage, LLC?
You can file a complaint against SoFi Mortgage, LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about SoFi Mortgage, LLC?
Consumers in 15 states and territories have filed complaints about SoFi Mortgage, LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.