Mortgages
SoFi mortgages complaints
Consumers have filed 109 complaints about SoFi's mortgages, 48 in the last 12 months (+20%). SoFi answered 100% on time and closed 17% with relief. See the whole SoFi record.
SoFi against other mortgage lenders & servicers
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | Shellpoint Mortgage Servicing | 3,741 | 81.4% | 0% |
| 2 | Rocket Mortgage | 3,572 | 99.9% | 0% |
| 3 | Freedom Mortgage | 1,701 | 99.4% | 0% |
| 4 | Ocwen Financial | 1,514 | 100% | 1% |
| 5 | Wells Fargo | 1,187 | 100% | 9% |
| 6 | PennyMac | 1,157 | 99.9% | 13% |
| 7 | Select Portfolio Servicing | 1,130 | 99.9% | 0% |
| 8 | Carrington Mortgage Services | 1,081 | 99.7% | 0% |
| 9 | Selene | 967 | 100% | 0% |
| 10 | LoanCare | 862 | 100% | 0% |
| 11 | Mr. Cooper | 757 | 100% | 0% |
| 12 | JPMorgan Chase | 734 | 100% | 2% |
| 13 | SoFi | 48 | 100% | 17% |
Latest SoFi mortgages complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Feb 9, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageApplication denials | Explained |
| Feb 5, 2026 | Mortgages | Trouble during payment processPayment process | Explained |
| Feb 4, 2026 | Mortgages | Struggling to pay mortgageTrying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure | Explained |
| Feb 3, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageApplication denials | Explained |
| Jan 30, 2026 | Mortgages | Trouble during payment processPayment process | Explained |
| Jan 28, 2026 | Mortgages | Trouble during payment processPayment process | Explained |
| Jan 23, 2026 | Mortgages | Closing on a mortgageChanges in loan terms during or after closing | Explained |
| Jan 19, 2026 | Mortgages | Trouble during payment processEscrow, taxes, or insurance | Money back |
| Jan 14, 2026 | Mortgages | Closing on a mortgageDelays with the closing process | Money back |
| Jan 8, 2026 | Mortgages | Struggling to pay mortgageApplying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu | Fixed |
| Dec 30, 2025 | Mortgages | Applying for a mortgage or refinancing an existing mortgageLoan estimate or other related disclosures | Explained |
| Dec 30, 2025 | Mortgages | Applying for a mortgage or refinancing an existing mortgageNegative impact of inaccurate appraisal | Explained |
| Dec 24, 2025 | Mortgages | Trouble during payment processLoan sold or transferred to another company | Explained |
| Dec 15, 2025 | Mortgages | Applying for a mortgage or refinancing an existing mortgageChanges in loan terms during the application process | Explained |
| Dec 12, 2025 | Mortgages | Closing on a mortgageChanges in loan terms during or after closing | Money back |
| Dec 7, 2025 | Mortgages | Problem with a company's investigation into an existing problemProblem with personal statement of dispute | Explained |
| Dec 2, 2025 | Mortgages | Struggling to pay mortgageApplying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu | Explained |
| Nov 18, 2025 | Mortgages | Trouble during payment processEscrow, taxes, or insurance | Explained |
| Nov 5, 2025 | Mortgages | Trouble during payment processEscrow, taxes, or insurance | Explained |
| Oct 30, 2025 | Mortgages | Trouble during payment processPayment process | Explained |
| Oct 24, 2025 | Mortgages | Trouble during payment processEscrow, taxes, or insurance | Money back |
| Oct 24, 2025 | Mortgages | Closing on a mortgageDelays with the closing process | Explained |
| Oct 23, 2025 | Mortgages | Trouble during payment processPayment process | Explained |
| Oct 22, 2025 | Mortgages | Applying for a mortgage or refinancing an existing mortgageConfusing or misleading advertising or marketing | Fixed |
| Oct 22, 2025 | Mortgages | Struggling to pay mortgageApplying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu | Explained |
| Oct 3, 2025 | Mortgages | Trouble during payment processPayment process | Explained |
| Aug 27, 2025 | Mortgages | Applying for a mortgage or refinancing an existing mortgageLoan estimate or other related disclosures | Explained |
| Aug 8, 2025 | Mortgages | Trouble during payment processLoan sold or transferred to another company | Explained |
| Aug 5, 2025 | Mortgages | Applying for a mortgage or refinancing an existing mortgageTrying to communicate with the company to fix an issue with the application process | Explained |
| Aug 5, 2025 | Mortgages | Trouble during payment processPrivate mortgage insurance (PMI) | Explained |
Your rights with mortgage lenders & servicers
Your mortgage servicer must correct errors you report in a written notice of error and answer written requests for information, usually within 30 business days. It must apply payments on the day they arrive, and it generally cannot start foreclosure until you are more than 120 days behind or while a complete loss-mitigation application is pending.
Scam warning: Be careful of anyone who charges up front to save your home, tells you to stop paying your servicer, or asks you to sign over the deed. HUD-approved housing counselors help for free.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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