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Guaranteed Rate vs SoFi
Side-by-side refinance comparison based on public data and CFPB records.
Quick Comparison
| Feature | Guaranteed Rate | SoFi |
|---|---|---|
| Wirly Rating | 4.3/5 | 4.4/5 |
| Min. Credit Score | 620 | 600 |
| Loan Types | Conventional, FHA, VA, Jumbo, USDA | Conventional, Jumbo |
| Best For | Wide loan selection | High-balance loans |
Pros and Cons
Guaranteed Rate
Pros
- +Extensive loan product menu including niche options
- +Both digital and in-person support available
- +Competitive rates with rate lock flexibility
Cons
- -Origination fees vary by market and loan type
- -Online reviews cite occasional processing delays
- -Not available in all states for all products
SoFi
Pros
- +No origination, application, or appraisal fees
- +Competitive rates for well-qualified borrowers
- +Unemployment forbearance program for members
Cons
- -No FHA, VA, or USDA loans
- -Higher minimum credit score than some competitors
- -Limited loan product variety
Ready to see your numbers?
Use our free calculators to see exactly how much you could save with either lender.
This comparison is for educational purposes only and does not constitute financial advice. Rankings reflect publicly available data and editorial evaluation. Wirly is not a lender or mortgage broker. See our methodology.