C — https://sofi.com | BeaverCheck Audit

Site Health

Score: 73 / 100

Based on 8 categories, 0 sections

Room to improve — your 16.8s load time is above Google's 2.5s 'Good' threshold.

Good foundation, but a few gaps could be exploited.

Several issues make your site difficult for assistive technology users.

Solid SEO basics — a few optimizations could boost rankings.

Solid infrastructure — fast server responses across the board.

Mostly compliant — a few items need attention.

Missing metadata means poor previews on social media and search.

Reasonable footprint with room for optimization.

How is this calculated?

The overall score is a weighted average of individual category scores. Categories with more impact on user experience and security carry more weight.

Performance 25%Security 25%Accessibility 15%SEO 10%Infrastructure 10%Compliance 8%Content 5%Sustainability 2%

Weights reflect general web best practices. Individual needs may differ.

How the composite score is calculated

How you compare

WordPress · 712 peers

You 73

Avg 74

At average

0 50 100

Better than 29% of WordPress sites See full WordPress benchmark →

AngularJS · 399 peers

You 73

Avg 73

At average

0 50 100

Better than 45% of AngularJS sites See full AngularJS benchmark →

Top Priorities (5)

Content-Security-Policy header is missing

Security gaps expose your site and users to attacks, eroding trust.

Security › Security Headers

No Content-Security-Policy header found

Security gaps expose your site and users to attacks, eroding trust.

Security › Content Security Policy

is missing width/height — may cause layout shift

Performance issues directly impact user engagement and conversion rates.

Performance › Image Optimization

97 third-party resources (100% of weight)

Performance issues directly impact user engagement and conversion rates.

Performance › Page Weight Inventory

Cookie '__cf_bm' has no SameSite attribute

Security gaps expose your site and users to attacks, eroding trust.

Security › Cookie Security

View fix priority matrix

Fix Priority Matrix

5 findings

Impact

Quick Wins

High impact, low effort — start here.

Strategic

High impact, requires investment.

Easy Improvements

Small gains, minimal effort.

Nothing in this quadrant — good news.

Deprioritize

Low impact, high effort — do last.

Nothing in this quadrant — good news.

← Low effort High effort →

Embed this badge

Markdown

[![BeaverCheck](https://beavercheck.com/badge?url=https%3A%2F%2Fsofi.com)](https://beavercheck.com/results/3b50523a-c933-48a7-8c38-c25434d0cbdc)

HTML

<a href="https://beavercheck.com/results/3b50523a-c933-48a7-8c38-c25434d0cbdc"><img src="https://beavercheck.com/badge?url=https%3A%2F%2Fsofi.com" alt="BeaverCheck Score"></a>

Image URL

https://beavercheck.com/badge?url=https%3A%2F%2Fsofi.com

This badge auto-updates with your latest scan result.

What fixing these means

Your site performs reasonably well, but a few targeted fixes could meaningfully improve results. Your LCP of 16.8s exceeds Google's 2.5s 'Good' threshold and the 2 performance issues below directly contribute to it. Addressing the critical issues below would have the most immediate impact on your user trust.

3 security gaps detected — browsers may warn visitors about your site.

Your LCP is 16.8s — fixing the 2 performance criticals could bring it under Google's 2.5s 'Good' threshold.

Conversion Barriers

2 critical 5 warning

7 barrier(s) likely increasing bounce by ~29%.

Speed (2)

Page takes 16.8s to load

+12% bounce

Users abandon at ~3s — you're 14.3s over the 2.5s threshold

Fix: Optimize render-blocking resources, preload the hero image, and compress images

Page feels frozen for 1.1s

+5% bounce

Clicks on the primary CTA are ignored while JavaScript runs

Fix: Break up long tasks; defer non-critical JavaScript to post-hydration

Trust (1)

No Content-Security-Policy header

+1% bounce

Higher XSS blast radius — one compromised script can exfiltrate the checkout form

Fix: Ship a reporting-only CSP first, then enforce once violations are clean

Content (3)

No Open Graph tags

+2% bounce

Links shared on LinkedIn / Slack / Facebook show bare URLs — referral clicks drop

Fix: Add og:title, og:description, og:image, og:url to the page head

No structured data

+2% bounce

No rich-result eligibility in Google — lower SERP CTR vs competitors with stars and prices

Fix: Add JSON-LD for your page type (Product, Article, FAQPage, LocalBusiness, …)

Thin content

+3% bounce

Under 300 words — visitors bounce looking for substance, search engines rank competitors first

Fix: Add a substantive FAQ, product detail, or case-study section

Navigation (1)

No skip-to-content link

+1% bounce

Keyboard and screen-reader users must tab through the entire header on every page

Fix: Add a visible-on-focus <a href="#main">Skip to content</a> as the first focusable element

Preliminary CRO audit — each barrier links to the tab with detailed analysis.

Return on Investment

$550 investment → $0.85/month returns + USD 157,500 risk avoided

Payback period: > 2 years First-year ROI: -98%

Investment

$550

6h · 5 findings

Monthly returns

$0.85 /mo

~$10 / year

Bandwidth savings $0.85

Regulatory risk avoided

USD 157,500

if kept compliant

ADA Title III USD 150,000
CCPA/CPRA USD 7,500

$150 — in quick wins — start here for the fastest payback

Figures combine localized regulatory fine ceilings, search/conversion value priced against local CPC, and bandwidth waste estimates. Results depend on implementation quality and audience composition. Not legal or financial advice.

Full methodology & sources

Estimated Remediation Cost

$550

5.5 developer hours at $100/hr

Based on United States rates ($100/hr)

Quick wins

$150 3 fixes in ~90 minutes

Start here for the best return on investment

Cost by category

Cost by effort level

Adjust assumptions

Custom rate

$ /hr

Rates reflect fully-loaded developer cost including overhead

How developer rates are sourced

What Inaction Is Costing You

$13,126 / month at risk

~$157,510 / year if left unfixed

Compliance Risk

$157,500

ADA Title IIICCPA/CPRA

No privacy policy link detected
CCPA/CPRA: USD 2,500 – USD 7,500
Trackers detected but no cookie policy found
CCPA/CPRA: USD 2,500 – USD 7,500
Trackers detected but no privacy policy found
CCPA/CPRA: USD 2,500 – USD 7,500

+5 more

Bandwidth Waste

$0.85 /mo

10677.9 MB/mo × 0.080 USD/GB

Optimize transfer: save ~1.1 MB per page load
Saves $0.85/mo

Compliance figures represent the statutory maximum fine for the most severe triggered category, capped per regulation — not the sum of per-finding penalties. Based on published regulatory fine ranges. This is not legal advice.

Compliance methodology · SEO assumptions · Bandwidth model

Your performance is already good — improvements may show diminishing returns

Monthly visitors

Unique monthly visitors from your analytics

Conversion rate (%)

Purchases, signups, or key actions

Avg. order value

Optional — for revenue estimation

additional conversions/month

more engaged visitors from reduced bounce

potential monthly revenue

Current bounce (est.)

After fixes (est.)

Estimated bounce reduction

Fix 2 critical issues to capture this value

How this is calculated

Based on Google/Deloitte research ("Milliseconds Make Millions") showing a ~7% bounce rate increase per additional second of LCP above the 2.5s "Good" threshold.

Your site's LCP: → estimated after fixes.

These are estimates based on industry research — actual results vary

Bounce-rate model & assumptions

Your data stays in your browser — nothing is sent to our servers

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Lighthouse Scores

Industry-standard audits powered by Google Lighthouse.

Performance

Accessibility

Best Practices

SEO

Core Web Vitals

Key metrics that affect user experience.

First Contentful Paint First Contentful Paint — how long until the browser renders the first piece of content. Under 1.8s is good.

4.93 s

Largest Contentful Paint Largest Contentful Paint — how long until the largest visible element loads. Under 2.5s is good.

16.78 s

Total Blocking Time Total Blocking Time — total time the main thread was blocked, preventing user input. Under 200ms is good.

1.07 s

Cumulative Layout Shift Cumulative Layout Shift — measures visual stability. How much the page layout shifts during loading. Under 0.1 is good.

0.060

Speed Index Speed Index — how quickly content is visually displayed during load. Under 3.4s is good.

8.87 s

Time to Interactive Time to Interactive — how long until the page is fully interactive and responds to user input. Under 3.8s is good.

24.79 s

Detailed Report

Audit breakdown by category with detailed findings.

Performance

Insights

Remove large, duplicate JavaScript modules from bundles to reduce unnecessary bytes consumed by network activity.

Why this matters

Performance issues directly impact user engagement and conversion rates.

Polyfills and transforms enable older browsers to use new JavaScript features. However, many aren't necessary for modern browsers. Consider modifying your JavaScript build process to not transpile Baseline features, unless you know you must support older browsers. Learn why most sites can deploy ES6+ code without transpiling

Why this matters

Shipping ES5 transpiled code to modern browsers wastes bytes — every user with an evergreen browser pays for compatibility you don't need.

Learn more ▾

Most users today run browsers that natively support ES6+, async/await, optional chaining, and the rest of modern JavaScript. Transpiling to ES5 'just in case' adds 20-40% to your bundle for no benefit. Configure your build to target a modern browserslist, or ship a differential bundle pair (modern + legacy) with the module/nomodule pattern.

Source: Google web.dev / Lighthouse

3rd party code can significantly impact load performance. Reduce and defer loading of 3rd party code to prioritize your page's content.

Why this matters

Performance issues directly impact user engagement and conversion rates.

A long cache lifetime can speed up repeat visits to your page. Learn more about caching.

Why this matters

Performance issues directly impact user engagement and conversion rates.

Request	Cache TTL	Transfer Size
cdn.optimizely.com/js/14812420277.js	120.0 s	112.1 KiB
www.datadoghq-browser-agent.com/us1/v6/datadog-rum.js	14400.0 s	58.3 KiB
/static-scripts/sites/b4ef19477fde54599da2fcb62d0e3c44/ac...	60.0 s	39.9 KiB
d32ijn7u0aqfv4.cloudfront.net/assets/fonts/v3/larsseit-bold.woff2	0.0 ms	37.9 KiB
d32ijn7u0aqfv4.cloudfront.net/assets/fonts/v3/larsseit.woff2	0.0 ms	37.4 KiB
d32ijn7u0aqfv4.cloudfront.net/assets/fonts/v3/larsseit_extra_bold.woff2	0.0 ms	37.0 KiB
d32ijn7u0aqfv4.cloudfront.net/assets/fonts/v3/TTNorms-bold.woff2	0.0 ms	20.3 KiB
d32ijn7u0aqfv4.cloudfront.net/assets/fonts/v3/TTNorms.woff2	0.0 ms	20.2 KiB
d32ijn7u0aqfv4.cloudfront.net/fonts/TTNorms-medium.woff2	0.0 ms	19.8 KiB
www.sofi.com/cdn-cgi/challenge-platform/h/b/scripts/jsd/0b8fb825cb67/main.js?	14400.0 s	12.9 KiB
/v2/scripts/loader.js?h=b4ef19477fde54599da2fcb62d0e3c44&...	60.0 s	8.3 KiB
wsv3cdn.audioeye.com/bootstrap.js?h=b4ef19477fde54599da2fcb62d0e3c44	3600.0 s	9.3 KiB
/beacon.min.js/v8c78df7c7c0f484497ecbca7046644da177152312...	86400.0 s	10.7 KiB
/dcdn/settings.js?a=916883&settings_type=4&ts=1776871296&...	1800.0 s	2.7 KiB
wsmcdn.audioeye.com/aem.js	120.0 s	669 B
/v.gif?cd=0&a=916883&d=sofi.com&u=DA0F5EC7F854C7119A33FBE...	43200.0 s	147 B

Your first network request is the most important. Reduce its latency by avoiding redirects, ensuring a fast server response, and enabling text compression.

Why this matters

Performance issues directly impact user engagement and conversion rates.

Consider setting font-display to swap or optional to ensure text is consistently visible. swap can be further optimized to mitigate layout shifts with font metric overrides.

Why this matters

Performance issues directly impact user engagement and conversion rates.

URL	Est Savings
/s/materialsymbolsoutlined/v331/kJF1BvYX7BgnkSrUwT8OhrdQw...	130 ms

Optimize LCP by making the LCP image discoverable from the HTML immediately, and avoiding lazy-loading

Why this matters

Performance issues directly impact user engagement and conversion rates.

lhId: page-0-IMG

nodeLabel: section.page-section > div.inner > picture.responsive-image > img.max-width-100%

path: 1,HTML,1,BODY,7,DIV,0,DIV,0,DIV,0,DIV,0,DIV,0,DIV,0,SECTION,1,DIV,1,DIV,0,DIV,1,DIV,0,DIV,0,SECTION,0,DIV,0,PICTURE,3,IMG

selector: section.page-section > div.inner > picture.responsive-image > img.max-width-100%

snippet: <img class="max-width-100% width-100% width-auto@mobile absolute top-zero right-zero s…" src="https://d32ijn7u0aqfv4.cloudfront.net/wp/wp-content/uploads/raw/BNK26-3880…" srcset="" height="550" width="1380" alt="" loading="lazy" style="--mobile-width: 320px; --mobile-height: 215px; --tablet-width: 768px;">

Avoid chaining critical requests by reducing the length of chains, reducing the download size of resources, or deferring the download of unnecessary resources to improve page load.

Why this matters

Performance issues directly impact user engagement and conversion rates.

description: [preconnect](https://developer.chrome.com/docs/lighthouse/performance/uses-rel-preconnect/) hints help the browser establish a connection earlier in the page load, saving time when the first request for that origin is made. The following are the origins that the page preconnected to.

title: Preconnected origins

description: Add [preconnect](https://developer.chrome.com/docs/lighthouse/performance/uses-rel-preconnect/) hints to your most important origins, but try to use no more than 4.

title: Preconnect candidates

Requests are blocking the page's initial render, which may delay LCP. Deferring or inlining can move these network requests out of the critical path.

Why this matters

Performance issues directly impact user engagement and conversion rates.

URL	Transfer Size	Duration
cdn.optimizely.com/js/14812420277.js	112.1 KiB	2.2 s
d32ijn7u0aqfv4.cloudfront.net/dist/css/sofi-header-footer.5fddcec3.css	15.4 KiB	1.2 s
/css2?family=Material+Symbols+Outlined:opsz,wght,FILL,GRA...	914 B	831 ms
/libraries/wp-react/master-4598/builder-css/builder.min.css	12.7 KiB	985 ms
d32ijn7u0aqfv4.cloudfront.net/libraries/wp-react/master-4598/main/main.min.css	9.1 KiB	985 ms
cdn.cookielaw.org/scripttemplates/otSDKStub.js	0 B	780 ms
/wp/wp-content/themes/sofi-wp-baby/functions/react-helper...	0 B

Reducing the download time of images can improve the perceived load time of the page and LCP. Learn more about optimizing image size

Why this matters

Performance issues directly impact user engagement and conversion rates.

	URL	Resource Size	Est Savings
section.page-section > div.inner > picture.responsive-image > img.max-width-100% `section.page-section > div.inner > picture.responsive-image > img.max-width-100%`	/wp/wp-content/uploads/raw/BNK26-3880902-A_Forbes-Award-W...	108.7 KiB	50.4 KiB
NEW! Crypto Buy, sell, hold 25+ coins Start now `div.relative > ul#hp-product-tiles > li.product-tiles__tile > div.box`	/wp/wp-content/uploads/raw/CRYP25-2933951-Q_Crypto-Launch...	34.6 KiB	29.1 KiB

These insights are also available in the Chrome DevTools Performance Panel - record a trace to view more detailed information.

Time to Interactive is the amount of time it takes for the page to become fully interactive. Learn more about the Time to Interactive metric.

Why this matters

Performance issues directly impact user engagement and conversion rates.

TTI

Redirects introduce additional delays before the page can be loaded. Learn how to avoid page redirects.

Why this matters

Performance issues directly impact user engagement and conversion rates.

Estimated savings: 1.8 s

URL	Time Spent
sofi.com/	1.0 s
sofi.com/	780 ms
www.sofi.com/	0.0 ms

The maximum potential First Input Delay that your users could experience is the duration of the longest task. Learn more about the Maximum Potential First Input Delay metric.

Why this matters

Performance issues directly impact user engagement and conversion rates.

Diagnostics

Reduce unused rules from stylesheets and defer CSS not used for above-the-fold content to decrease bytes consumed by network activity. Learn how to reduce unused CSS.

Why this matters

Performance issues directly impact user engagement and conversion rates.

Estimated savings: 140 ms 24.0 KiB

URL	Transfer Size	Est Savings
d32ijn7u0aqfv4.cloudfront.net/dist/css/sofi-header-footer.5fddcec3.css	15.0 KiB	12.9 KiB
/libraries/wp-react/master-4598/builder-css/builder.min.css	12.3 KiB	11.1 KiB

Reduce unused JavaScript and defer loading scripts until they are required to decrease bytes consumed by network activity. Learn how to reduce unused JavaScript.

Why this matters

Multi-megabyte JavaScript bundles delay every interactive feature on the page.

Learn more ▾

This is the Lighthouse audit fired when too much JS is shipped relative to what executes. The fix isn't a config flag — it requires bundle analysis (webpack-bundle-analyzer, rollup-plugin-visualizer), splitting routes into chunks, lazy-loading off-screen components, and removing unused dependencies. Fundamentally different from minification: minifying reduces byte count, this reduces what's downloaded at all.

Source: Google web.dev / Lighthouse

Estimated savings: 3.8 s 766.7 KiB

URL	Transfer Size	Est Savings
/libraries/wp-react/master-4598/sprite/sprite.min.js	335.3 KiB	328.9 KiB
www.googletagmanager.com/gtm.js?id=GTM-WLSZML	206.5 KiB	82.4 KiB
wsv3cdn.audioeye.com/static-scripts/v2/2026-04-22/startup.bundle.js	123.5 KiB	64.8 KiB
www.googletagmanager.com/gtag/js?id=DC-6375438&cx=c&gtm=4e64k1	131.3 KiB	63.5 KiB
d32ijn7u0aqfv4.cloudfront.net/libraries/wp-react/master-4598/main/main.min.js	85.4 KiB	45.5 KiB
cdn.optimizely.com/js/14812420277.js	111.5 KiB	44.2 KiB
/static-scripts/m/audioeye-scanner-esm/v11.0.44/audioeye-...	80.3 KiB	34.9 KiB
www.datadoghq-browser-agent.com/us1/v6/datadog-rum.js	57.9 KiB	28.3 KiB
wsv3cdn.audioeye.com/static-scripts/v2/2026-04-22/smartrems.bundle.js	38.0 KiB	25.9 KiB
/libraries/wp-react/master-4598/carousel/carousel.min.js	46.5 KiB	25.5 KiB
ajax.googleapis.com/ajax/libs/jquery/3.6.0/jquery.min.js	30.3 KiB	22.7 KiB

Consider reducing the time spent parsing, compiling, and executing JS. You may find delivering smaller JS payloads helps with this. Learn how to reduce Javascript execution time.

Why this matters

Performance issues directly impact user engagement and conversion rates.

URL	Total CPU Time	Script Evaluation	Script Parse
/static-scripts/m/audioeye-scanner-esm/v11.0.44/audioeye-...	5.1 s	4.7 s	1.1 ms
www.sofi.com/	1.5 s	356 ms	19 ms
wsv3cdn.audioeye.com/static-scripts/v2/2026-04-22/startup.bundle.js	1.2 s	1.1 s	29 ms
Unattributable	786 ms	103 ms	0.0 ms
www.datadoghq-browser-agent.com/us1/v6/datadog-rum.js	633 ms	315 ms	129 ms
www.googletagmanager.com/gtm.js?id=GTM-WLSZML	370 ms	295 ms	50 ms
cdn.optimizely.com/js/14812420277.js	340 ms	272 ms	29 ms
d32ijn7u0aqfv4.cloudfront.net/libraries/wp-react/master-4598/main/main.min.js	220 ms	125 ms	27 ms
www.sofi.com/cdn-cgi/challenge-platform/scripts/jsd/main.js	207 ms	190 ms	2.2 ms
www.googletagmanager.com/gtag/js?id=DC-6375438&cx=c&gtm=4e64k1	171 ms	135 ms	35 ms
/libraries/wp-react/master-4598/carousel/carousel.min.js	61 ms	42 ms	12 ms
wsv3cdn.audioeye.com/static-scripts/v2/2026-04-22/smartrems.bundle.js	59 ms	49 ms	9.1 ms
/libraries/wp-react/master-4598/sprite/sprite.min.js	58 ms	6.4 ms	44 ms

Consider reducing the time spent parsing, compiling and executing JS. You may find delivering smaller JS payloads helps with this. Learn how to minimize main-thread work

Why this matters

Performance issues directly impact user engagement and conversion rates.

Category	Time Spent
Script Evaluation	8.0 s
Other	1.2 s
Style & Layout	815 ms
Rendering	491 ms
Script Parsing & Compilation	425 ms
Garbage Collection	192 ms
Parse HTML & CSS	96 ms

Large network payloads cost users real money and are highly correlated with long load times. Learn how to reduce payload sizes.

Why this matters

Performance issues directly impact user engagement and conversion rates.

URL	Transfer Size
www.sofi.com/measure/pixel/refer?referrer=https://www.sofi.com	472.8 KiB
/s/materialsymbolsoutlined/v331/kJF1BvYX7BgnkSrUwT8OhrdQw...	378.4 KiB
/libraries/wp-react/master-4598/sprite/sprite.min.js	335.7 KiB
www.sofi.com/verify-session?returnBody=true&nocache=true	239.8 KiB
www.googletagmanager.com/gtm.js?id=GTM-WLSZML	206.9 KiB
www.googletagmanager.com/gtag/js?id=DC-6375438&cx=c&gtm=4e64k1	131.3 KiB
wsv3cdn.audioeye.com/static-scripts/v2/2026-04-22/startup.bundle.js	123.6 KiB
cdn.optimizely.com/js/14812420277.js	112.1 KiB
/wp/wp-content/uploads/raw/BNK26-3880902-A_Forbes-Award-W...	109.1 KiB
/cdn/edrv/va_gq-d728c477f0f4777c8be7f1f120d0c70b.br.js	96.5 KiB

Set an explicit width and height on image elements to reduce layout shifts and improve CLS. Learn how to set image dimensions

Why this matters

Performance issues directly impact user engagement and conversion rates.

	URL
Broker Check by FINRA `span > p > a > img`	d32ijn7u0aqfv4.cloudfront.net/wp/wp-content/uploads/raw/BrokerCheck-logo.png
div.footer__signup > div.text-left > div > img `div.footer__signup > div.text-left > div > img`

More information about the performance of your application. These numbers don't directly affect the Performance score.

●Layout shift culprits

●Optimize DOM size

●Forced reflow

●LCP breakdown

●Modern HTTP

●Optimize viewport for mobile

●Minify CSS

●Minify JavaScript

●User Timing marks and measures 1 user timing

●Avoid long main-thread tasks 20 long tasks found

●Avoid non-composited animations 10 animated elements found

●Page didn't prevent back/forward cache restoration

●Network Requests

●Network Round Trip Times 170 ms

●Server Backend Latencies 290 ms

●Tasks

●Diagnostics

●Metrics

●Screenshot Thumbnails

●Final Screenshot

●Script Treemap Data

●Resources Summary

●Initial server response time was short Root document took 370 ms

●Avoid large layout shifts 2 layout shifts found

○INP breakdown

Accessibility

These checks highlight opportunities to improve the accessibility of your web app. Automatic detection can only detect a subset of issues and does not guarantee the accessibility of your web app, so manual testing is also encouraged.

ARIA

Each ARIA `role` supports a specific subset of `aria-*` attributes. Mismatching these invalidates the `aria-*` attributes. Learn how to match ARIA attributes to their roles.

Why this matters

Performance issues directly impact user engagement and conversion rates.

Failing Elements
Select A Product To Get Started `div#header-wrapper > div#global-top-nav > div#modals-container > div#m-product-category`
Received A Mailer From Us? `div#header-wrapper > div#global-top-nav > div#modals-container > div#m-confirmation`

Using ARIA attributes in roles where they are prohibited can mean that important information is not communicated to users of assistive technologies. Learn more about prohibited ARIA roles.

Why this matters

Performance issues directly impact user engagement and conversion rates.

Failing Elements
Select A Product To Get Started `div#header-wrapper > div#global-top-nav > div#modals-container > div#m-product-category`
Received A Mailer From Us? `div#header-wrapper > div#global-top-nav > div#modals-container > div#m-confirmation`

These are opportunities to improve the usage of ARIA in your application which may enhance the experience for users of assistive technology, like a screen reader.

Contrast

Low-contrast text is difficult or impossible for many users to read. Learn how to provide sufficient color contrast.

Why this matters

Performance issues directly impact user engagement and conversion rates.

Failing Elements
Get Started `nav.nav-bar > ul.nav-bar__menu > li > a#main-nav-cta`
Check out what SoFi has to offer: `section.page-section > div.inner > div.relative > p.h4`
10-YEAR FIXED⁵ `div.layout > div.box > h3.eyebrow > div.eyeBrow-text`
15-YEAR FIXED⁶ `div.layout > div.box > h3.eyebrow > div.eyeBrow-text`
20-YEAR FIXED⁷ `div.layout > div.box > h3.eyebrow > div.eyeBrow-text`
30-YEAR FIXED⁸ `div.layout > div.box > h3.eyebrow > div.eyeBrow-text`
View your rate `section#hl-redesign-variant-8 > div.inner > p.margin-top > a#hl-fmr-4`
As featured in `div#ae-skip-to-content > section.page-section > div.inner > h3.big`
Your privacy options `ul > li > div.inline-block > a#privacy-options-link`
Subscribe `div.footer__signup > div.text-left > p.margin-none > a#otm-subscribe-footer`

Low-contrast text is difficult or impossible for many users to read. Link text that is discernible improves the experience for users with low vision. Learn how to make links distinguishable.

Why this matters

Performance issues directly impact user engagement and conversion rates.

Failing Elements
SoFi.com/legal/banking-rate-sheet `div.subfooter__legal > span > p > a`

These are opportunities to improve the legibility of your content.

Tables and lists

Screen readers have a specific way of announcing lists. Ensuring proper list structure aids screen reader output. Learn more about proper list structure.

Why this matters

Performance issues directly impact user engagement and conversion rates.

Failing Elements
Banking Checking Account High Yield Savings Account International Money Transf… `div.nav-dropdown > div.nav-dropdown__content > div.nav-dropdown__content-inner > ul.u-vert-child-spacing-xs`

These are opportunities to improve the experience of reading tabular or list data using assistive technology, like a screen reader.

Visible text labels that do not match the accessible name can result in a confusing experience for screen reader users. Learn more about accessible names.

Why this matters

Performance issues directly impact user engagement and conversion rates.

Failing Elements
Enter confirmation # - Received a credit card offer from us? `div.inner > p.bg-white > strong > a.underline`
View your rate `section#hl-redesign-variant-8 > div.inner > p.margin-top > a#hl-fmr-4`
Get started - Join SoFi today `section.page-section > div.inner > p.margin-top-ms > a#homepage-join-sofi-mod-cta-primary`
Terms and conditions `div.subfooter__legal > span > p > a`
https://www.sofi.com/legal/banking-rate-sheet `div.subfooter__legal > span > p > a`
www.sipc.org `div.subfooter__legal > span > p#†† > a`

○Interactive controls are keyboard focusable

○Interactive elements indicate their purpose and state

○The page has a logical tab order

○Visual order on the page follows DOM order

○User focus is not accidentally trapped in a region

○The user's focus is directed to new content added to the page

○HTML5 landmark elements are used to improve navigation

○Offscreen content is hidden from assistive technology

○Custom controls have associated labels

○Custom controls have ARIA roles

●`[aria-hidden="true"]` is not present on the document `<body>`

●`[role]`s have all required `[aria-*]` attributes

●`[role]` values are valid

●`[aria-*]` attributes have valid values

●`[aria-*]` attributes are valid and not misspelled

●Buttons have an accessible name

●Image elements have `[alt]` attributes

●`[user-scalable="no"]` is not used in the `<meta name="viewport">` element and the `[maximum-scale]` attribute is not less than 5.

●ARIA attributes are used as specified for the element's role

●Elements with `role="dialog"` or `role="alertdialog"` have accessible names.

●`[aria-hidden="true"]` elements do not contain focusable descendents

●Document has a `<title>` element

●`<html>` element has a `[lang]` attribute

●`<html>` element has a valid value for its `[lang]` attribute

●Links have a discernible name

●List items (`<li>`) are contained within `<ul>`, `<ol>` or `<menu>` parent elements

●No element has a `[tabindex]` value greater than 0

●Touch targets have sufficient size and spacing.

●Cells in a `<table>` element that use the `[headers]` attribute refer to table cells within the same table.

●Heading elements appear in a sequentially-descending order

●Skip links are focusable.

●Document has a main landmark.

●Deprecated ARIA roles were not used

●Uses ARIA roles only on compatible elements

●Identical links have the same purpose.

●Tables use `<caption>` instead of cells with the `[colspan]` attribute to indicate a caption.

●`<td>` elements in a large `<table>` have one or more table headers.

○`[accesskey]` values are unique

○`button`, `link`, and `menuitem` elements have accessible names

○ARIA input fields have accessible names

○ARIA `meter` elements have accessible names

○ARIA `progressbar` elements have accessible names

○Elements with an ARIA `[role]` that require children to contain a specific `[role]` have all required children.

○`[role]`s are contained by their required parent element

○Elements with the `role=text` attribute do not have focusable descendents.

○ARIA toggle fields have accessible names

○ARIA `tooltip` elements have accessible names

○ARIA `treeitem` elements have accessible names

○The page contains a heading, skip link, or landmark region

○`<dl>`'s contain only properly-ordered `<dt>` and `<dd>` groups, `<script>`, `<template>` or `<div>` elements.

○Definition list items are wrapped in `<dl>` elements

○ARIA IDs are unique

○No form fields have multiple labels

○`<frame>` or `<iframe>` elements have a title

○`<html>` element has an `[xml:lang]` attribute with the same base language as the `[lang]` attribute.

○Input buttons have discernible text.

○`<input type="image">` elements have `[alt]` text

○Form elements have associated labels

○The document does not use `<meta http-equiv="refresh">`

○`<object>` elements have alternate text

○Select elements have associated label elements.

○`<th>` elements and elements with `[role="columnheader"/"rowheader"]` have data cells they describe.

○`[lang]` attributes have a valid value

○`<video>` elements contain a `<track>` element with `[kind="captions"]`

○Tables have different content in the summary attribute and `<caption>`.

○All heading elements contain content.

○Image elements do not have `[alt]` attributes that are redundant text.

Best Practices

General

Deprecated APIs will eventually be removed from the browser. Learn more about deprecated APIs.

Why this matters

Performance issues directly impact user engagement and conversion rates.

Deprecation / Warning	Source
SharedStorage	www.sofi.com/cdn-cgi/challenge-platform/scripts/jsd/main.js
StorageType.persistent is deprecated. Please use standardized navigator.storage instead.	www.sofi.com/cdn-cgi/challenge-platform/scripts/jsd/main.js
Fledge	www.sofi.com/cdn-cgi/challenge-platform/scripts/jsd/main.js

Errors logged to the console indicate unresolved problems. They can come from network request failures and other browser concerns. Learn more about this errors in console diagnostic audit

Why this matters

Performance issues directly impact user engagement and conversion rates.

Source	Description
/wp/wp-content/themes/sofi-wp-baby/functions/react-helper...	`Failed to load resource: the server responded with a status of 403 ()`
/wp/wp-content/themes/sofi-wp-baby/functions/brightedge-a...	`Failed to load resource: the server responded with a status of 403 ()`
www.sofi.com/verify-session?returnBody=true&nocache=true	`Failed to load resource: the server responded with a status of 403 ()`
www.sofi.com/measure/pixel/refer?referrer=https://www.sofi.com	`Failed to load resource: the server responded with a status of 403 ()`
www.sofi.com/	`Refused to execute script from 'https://www.sofi.com/wp/wp-content/themes/sofi-wp-baby/functions/brightedge-autopilot/front/footer.js' because its MIME type ('text/html') is not executable, and strict MIME type checking is enabled.`
www.sofi.com/	`Refused to execute script from 'https://www.sofi.com/wp/wp-content/themes/sofi-wp-baby/functions/react-helpers/logTranspiledScriptError.js' because its MIME type ('text/html') is not executable, and strict MIME type checking is enabled.`
www.sofi.com/	`Uncaught (in promise) SyntaxError: Unexpected token '<', "<!DOCTYPE "... is not valid JSON`

●Uses HTTPS

●Avoids third-party cookies

●Allows users to paste into input fields

●Avoids requesting the geolocation permission on page load

●Avoids requesting the notification permission on page load

●Displays images with correct aspect ratio

●Serves images with appropriate resolution

●Page has the HTML doctype

●Properly defines charset

●No issues in the `Issues` panel in Chrome Devtools

●Ensure CSP is effective against XSS attacks

●Use a strong HSTS policy

●Mitigate DOM-based XSS with Trusted Types

●Detected JavaScript libraries

●Page has valid source maps

○Redirects HTTP traffic to HTTPS

○Ensure proper origin isolation with COOP

○Mitigate clickjacking with XFO or CSP

SEO

These checks ensure that your page is following basic search engine optimization advice. There are many additional factors Lighthouse does not score here that may affect your search ranking, including performance on Core Web Vitals. Learn more about Google Search Essentials.

Content Best Practices

Descriptive link text helps search engines understand your content. Learn how to make links more accessible.

Why this matters

Performance issues directly impact user engagement and conversion rates.

Link destination	Link Text
www.sofi.com/sofi-plus/	Learn more
www.sofi.com/banking/	Learn more
amplifyyourambitions.com/	Learn more
www.sofi.com/ipo/	Learn more
www.sofi.com/bankshot/	Learn more
www.sofi.com/home-loans/home-equity-loan/	Learn more
www.sofi.com/sofi-plus/	Learn more
www.sofi.com/banking/	Learn more
amplifyyourambitions.com/	Learn more
www.sofi.com/ipo/	Learn more
www.sofi.com/bankshot/	Learn more
www.sofi.com/home-loans/home-equity-loan/	Learn more
www.sofi.com/sofi-plus/	Learn more

Format your HTML in a way that enables crawlers to better understand your app’s content.

Crawling and Indexing

Search engines may use `href` attributes on links to crawl websites. Ensure that the `href` attribute of anchor elements links to an appropriate destination, so more pages of the site can be discovered. Learn how to make links crawlable

Why this matters

Performance issues directly impact user engagement and conversion rates.

Uncrawlable Link
Products `nav.nav-bar > ul.nav-bar__menu > li.nav-dropdown > a#nav-products`
Member Benefits `nav.nav-bar > ul.nav-bar__menu > li.nav-dropdown > a#nav-member-benefits`
Resources `nav.nav-bar > ul.nav-bar__menu > li.nav-dropdown > a#nav-resources`
About `nav.nav-bar > ul.nav-bar__menu > li.nav-dropdown > a.link`

To appear in search results, crawlers need access to your app.

○Structured data is valid

●Page isn’t blocked from indexing

●Document has a `<title>` element

●Document has a meta description

●Page has successful HTTP status code

●robots.txt is valid

●Image elements have `[alt]` attributes

●Document has a valid `hreflang`

●Document has a valid `rel=canonical`

Lighthouse Scores

Industry-standard audits powered by Google Lighthouse. — Desktop

Performance

Accessibility

Best Practices

SEO

Core Web Vitals

Key metrics that affect user experience. — Desktop

First Contentful Paint First Contentful Paint — how long until the browser renders the first piece of content. Under 1.8s is good.

1.54 s

Largest Contentful Paint Largest Contentful Paint — how long until the largest visible element loads. Under 2.5s is good.

3.36 s

Total Blocking Time Total Blocking Time — total time the main thread was blocked, preventing user input. Under 200ms is good.

6 ms

Cumulative Layout Shift Cumulative Layout Shift — measures visual stability. How much the page layout shifts during loading. Under 0.1 is good.

0.036

Speed Index Speed Index — how quickly content is visually displayed during load. Under 3.4s is good.

2.59 s

Time to Interactive Time to Interactive — how long until the page is fully interactive and responds to user input. Under 3.8s is good.

3.38 s

Detailed Report

Audit breakdown by category with detailed findings.

Performance

Insights

Remove large, duplicate JavaScript modules from bundles to reduce unnecessary bytes consumed by network activity.

Why this matters

Performance issues directly impact user engagement and conversion rates.

Why this matters

Shipping ES5 transpiled code to modern browsers wastes bytes — every user with an evergreen browser pays for compatibility you don't need.

Learn more ▾

Source: Google web.dev / Lighthouse

3rd party code can significantly impact load performance. Reduce and defer loading of 3rd party code to prioritize your page's content.

Why this matters

Performance issues directly impact user engagement and conversion rates.

A long cache lifetime can speed up repeat visits to your page. Learn more about caching.

Why this matters

Performance issues directly impact user engagement and conversion rates.

Request	Cache TTL	Transfer Size
cdn.optimizely.com/js/14812420277.js	120.0 s	112.1 KiB
www.datadoghq-browser-agent.com/us1/v6/datadog-rum.js	14400.0 s	61.3 KiB
/static-scripts/sites/b4ef19477fde54599da2fcb62d0e3c44/ac...	60.0 s	39.9 KiB
d32ijn7u0aqfv4.cloudfront.net/assets/fonts/v3/larsseit-bold.woff2	0.0 ms	37.9 KiB
d32ijn7u0aqfv4.cloudfront.net/assets/fonts/v3/larsseit_extra_bold.woff2	0.0 ms	37.0 KiB
d32ijn7u0aqfv4.cloudfront.net/assets/fonts/v3/TTNorms-bold.woff2	0.0 ms	20.3 KiB
d32ijn7u0aqfv4.cloudfront.net/assets/fonts/v3/TTNorms.woff2	0.0 ms	20.2 KiB
d32ijn7u0aqfv4.cloudfront.net/fonts/TTNorms-medium.woff2	0.0 ms	19.8 KiB
www.sofi.com/cdn-cgi/challenge-platform/h/b/scripts/jsd/0b8fb825cb67/main.js?	14400.0 s	12.7 KiB
/v2/scripts/loader.js?h=b4ef19477fde54599da2fcb62d0e3c44&...	60.0 s	8.6 KiB
wsv3cdn.audioeye.com/bootstrap.js?h=b4ef19477fde54599da2fcb62d0e3c44	3600.0 s	9.3 KiB
/beacon.min.js/v8c78df7c7c0f484497ecbca7046644da177152312...	86400.0 s	10.7 KiB
/dcdn/settings.js?a=916883&settings_type=4&ts=1776871296&...	1800.0 s	2.7 KiB
wsmcdn.audioeye.com/aem.js	120.0 s	669 B
/v.gif?cd=0&a=916883&d=sofi.com&u=DE7540604E433F75E3D3064...	43200.0 s	147 B

Your first network request is the most important. Reduce its latency by avoiding redirects, ensuring a fast server response, and enabling text compression.

Why this matters

Performance issues directly impact user engagement and conversion rates.

Consider setting font-display to swap or optional to ensure text is consistently visible. swap can be further optimized to mitigate layout shifts with font metric overrides.

Why this matters

Performance issues directly impact user engagement and conversion rates.

URL	Est Savings
/s/materialsymbolsoutlined/v331/kJF1BvYX7BgnkSrUwT8OhrdQw...	135 ms

A forced reflow occurs when JavaScript queries geometric properties (such as offsetWidth) after styles have been invalidated by a change to the DOM state. This can result in poor performance. Learn more about forced reflows and possible mitigations.

Why this matters

Performance issues directly impact user engagement and conversion rates.

headings: [map[key:source label:Top function call valueType:source-location] map[granularity:1 key:reflowTime label:Total reflow time valueType:ms]]

items: [map[reflowTime:0.448 source:map[column:42808 line:6 type:source-location url:https://d32ijn7u0aqfv4.cloudfront.net/libraries/wp-react/master-4598/carousel/carousel.min.js urlProvider:network]]]

headings: [map[key:source label:Source valueType:source-location] map[granularity:1 key:reflowTime label:Total reflow time valueType:ms]]

items: [map[reflowTime:17.746 source:map[type:text value:[unattributed]]] map[reflowTime:4.739 source:map[column:82359 line:15 type:source-location url:https://d32ijn7u0aqfv4.cloudfront.net/libraries/wp-react/master-4598/main/main.min.js urlProvider:network]] map[reflowTime:9.774 source:map[column:78023 line:15 type:source-location url:https://d32ijn7u0aqfv4.cloudfront.net/libraries/wp-react/master-4598/main/main.min.js urlProvider:network]] map[reflowTime:0.448 source:map[column:2865 line:5 type:source-location url:https://d32ijn7u0aqfv4.cloudfront.net/libraries/wp-react/master-4598/carousel/carousel.min.js urlProvider:network]] map[reflowTime:0.243 source:map[column:7883 line:0 type:source-location url:https://www.sofi.com/cdn-cgi/challenge-platform/scripts/jsd/main.js urlProvider:network]]]

Reducing the download time of images can improve the perceived load time of the page and LCP. Learn more about optimizing image size

Why this matters

Performance issues directly impact user engagement and conversion rates.

	URL	Resource Size	Est Savings
NEW! Crypto Buy, sell, hold 25+ coins Start now `div.relative > ul#hp-product-tiles > li.product-tiles__tile > div.box`	/wp/wp-content/uploads/raw/CRYP25-2933951-R_Crypto-Launch...	54.1 KiB	45.1 KiB
ul.plain > li#benefit3 > picture.responsive-image > img.max-width-100% `ul.plain > li#benefit3 > picture.responsive-image > img.max-width-100%`	/wp/wp-content/uploads/webp/homepage/BR20-255131_MemberBe...	44.6 KiB	35.9 KiB
section.page-section > div.inner > picture.responsive-image > img.max-width-100% `section.page-section > div.inner > picture.responsive-image > img.max-width-100%`	/wp/wp-content/uploads/raw/BNK26-3880902-A_Forbes-Award-W...	36.6 KiB	28.5 KiB
ul.plain > li#benefit1 > picture.responsive-image > img.max-width-100% `ul.plain > li#benefit1 > picture.responsive-image > img.max-width-100%`	/wp/wp-content/uploads/webp/homepage/BR20-255131_Rewards-...	20.5 KiB	16.5 KiB
ul.plain > li#benefit2 > picture.responsive-image > img.max-width-100% `ul.plain > li#benefit2 > picture.responsive-image > img.max-width-100%`	/wp/wp-content/uploads/webp/homepage/BR20-255131_Customer...	17.3 KiB	13.0 KiB

Optimize LCP by making the LCP image discoverable from the HTML immediately, and avoiding lazy-loading

Why this matters

Performance issues directly impact user engagement and conversion rates.

lhId: page-2-IMG

nodeLabel: section.page-section > div.inner > picture.responsive-image > img.max-width-100%

path: 1,HTML,1,BODY,5,DIV,0,DIV,0,DIV,0,DIV,0,DIV,0,DIV,0,SECTION,1,DIV,1,DIV,0,DIV,1,DIV,0,DIV,0,SECTION,0,DIV,0,PICTURE,3,IMG

selector: section.page-section > div.inner > picture.responsive-image > img.max-width-100%

Avoid chaining critical requests by reducing the length of chains, reducing the download size of resources, or deferring the download of unnecessary resources to improve page load.

Why this matters

Performance issues directly impact user engagement and conversion rates.

title: Preconnected origins

description: Add [preconnect](https://developer.chrome.com/docs/lighthouse/performance/uses-rel-preconnect/) hints to your most important origins, but try to use no more than 4.

title: Preconnect candidates

Requests are blocking the page's initial render, which may delay LCP. Deferring or inlining can move these network requests out of the critical path.

Why this matters

Performance issues directly impact user engagement and conversion rates.

URL	Transfer Size	Duration
/css2?family=Material+Symbols+Outlined:opsz,wght,FILL,GRA...	916 B	282 ms
cdn.optimizely.com/js/14812420277.js	112.1 KiB	594 ms
cdn.cookielaw.org/scripttemplates/otSDKStub.js	0 B	230 ms
/wp/wp-content/themes/sofi-wp-baby/functions/react-helper...	0 B
d32ijn7u0aqfv4.cloudfront.net/dist/css/sofi-header-footer.5fddcec3.css	15.4 KiB	295 ms
/libraries/wp-react/master-4598/builder-css/builder.min.css	12.7 KiB	244 ms
d32ijn7u0aqfv4.cloudfront.net/libraries/wp-react/master-4598/main/main.min.css	9.1 KiB	244 ms

These insights are also available in the Chrome DevTools Performance Panel - record a trace to view more detailed information.

Redirects introduce additional delays before the page can be loaded. Learn how to avoid page redirects.

Why this matters

Performance issues directly impact user engagement and conversion rates.

Estimated savings: 613 ms

URL	Time Spent
sofi.com/	381 ms
sofi.com/	232 ms
www.sofi.com/	0.0 ms

Time to Interactive is the amount of time it takes for the page to become fully interactive. Learn more about the Time to Interactive metric.

Why this matters

Performance issues directly impact user engagement and conversion rates.

TTI

Diagnostics

Reduce unused rules from stylesheets and defer CSS not used for above-the-fold content to decrease bytes consumed by network activity. Learn how to reduce unused CSS.

Why this matters

Performance issues directly impact user engagement and conversion rates.

Estimated savings: 40 ms 23.3 KiB

URL	Transfer Size	Est Savings
d32ijn7u0aqfv4.cloudfront.net/dist/css/sofi-header-footer.5fddcec3.css	15.0 KiB	12.2 KiB
/libraries/wp-react/master-4598/builder-css/builder.min.css	12.3 KiB	11.2 KiB

Reduce unused JavaScript and defer loading scripts until they are required to decrease bytes consumed by network activity. Learn how to reduce unused JavaScript.

Why this matters

Multi-megabyte JavaScript bundles delay every interactive feature on the page.

Learn more ▾

Source: Google web.dev / Lighthouse

Estimated savings: 400 ms 765.4 KiB

URL	Transfer Size	Est Savings
/libraries/wp-react/master-4598/sprite/sprite.min.js	335.3 KiB	328.9 KiB
www.googletagmanager.com/gtm.js?id=GTM-WLSZML	206.5 KiB	82.5 KiB
wsv3cdn.audioeye.com/static-scripts/v2/2026-04-22/startup.bundle.js	123.5 KiB	64.1 KiB
www.googletagmanager.com/gtag/js?id=DC-6375438&cx=c&gtm=4e64k1	131.3 KiB	62.0 KiB
d32ijn7u0aqfv4.cloudfront.net/libraries/wp-react/master-4598/main/main.min.js	85.4 KiB	45.5 KiB
cdn.optimizely.com/js/14812420277.js	111.5 KiB	44.2 KiB
/static-scripts/m/audioeye-scanner-esm/v11.0.44/audioeye-...	80.5 KiB	34.9 KiB
www.datadoghq-browser-agent.com/us1/v6/datadog-rum.js	60.9 KiB	29.8 KiB
wsv3cdn.audioeye.com/static-scripts/v2/2026-04-22/smartrems.bundle.js	38.1 KiB	25.9 KiB
/libraries/wp-react/master-4598/carousel/carousel.min.js	46.5 KiB	24.8 KiB
ajax.googleapis.com/ajax/libs/jquery/3.6.0/jquery.min.js	30.3 KiB	22.7 KiB

Large network payloads cost users real money and are highly correlated with long load times. Learn how to reduce payload sizes.

Why this matters

Performance issues directly impact user engagement and conversion rates.

URL	Transfer Size
www.sofi.com/measure/pixel/refer?referrer=https://www.sofi.com	472.7 KiB
/s/materialsymbolsoutlined/v331/kJF1BvYX7BgnkSrUwT8OhrdQw...	379.4 KiB
/libraries/wp-react/master-4598/sprite/sprite.min.js	335.7 KiB
www.sofi.com/verify-session?returnBody=true&nocache=true	239.8 KiB
www.googletagmanager.com/gtm.js?id=GTM-WLSZML	206.9 KiB
www.googletagmanager.com/gtag/js?id=DC-6375438&cx=c&gtm=4e64k1	131.4 KiB
wsv3cdn.audioeye.com/static-scripts/v2/2026-04-22/startup.bundle.js	123.6 KiB
cdn.optimizely.com/js/14812420277.js	112.1 KiB
/cdn/edrv/va_gq-d728c477f0f4777c8be7f1f120d0c70b.br.js	96.5 KiB
d32ijn7u0aqfv4.cloudfront.net/wp/wp-content/uploads/raw/CN24-1943855_X_Logo.svg	95.4 KiB

Consider reducing the time spent parsing, compiling, and executing JS. You may find delivering smaller JS payloads helps with this. Learn how to reduce Javascript execution time.

Why this matters

Performance issues directly impact user engagement and conversion rates.

URL	Total CPU Time	Script Evaluation	Script Parse
/static-scripts/m/audioeye-scanner-esm/v11.0.44/audioeye-...	1.3 s	1.2 s	0.3 ms
www.sofi.com/	550 ms	101 ms	30 ms
wsv3cdn.audioeye.com/static-scripts/v2/2026-04-22/startup.bundle.js	357 ms	304 ms	8.3 ms
Unattributable	211 ms	37 ms	0.0 ms
www.googletagmanager.com/gtm.js?id=GTM-WLSZML	89 ms	71 ms	12 ms
cdn.optimizely.com/js/14812420277.js	76 ms	62 ms	7.5 ms
d32ijn7u0aqfv4.cloudfront.net/libraries/wp-react/master-4598/main/main.min.js	62 ms	41 ms	6.0 ms
www.sofi.com/cdn-cgi/challenge-platform/scripts/jsd/main.js	56 ms	51 ms	0.5 ms

Consider reducing the time spent parsing, compiling and executing JS. You may find delivering smaller JS payloads helps with this. Learn how to minimize main-thread work

Why this matters

Performance issues directly impact user engagement and conversion rates.

Category	Time Spent
Script Evaluation	2.0 s
Other	338 ms
Style & Layout	242 ms
Rendering	132 ms
Script Parsing & Compilation	103 ms
Garbage Collection	49 ms
Parse HTML & CSS	26 ms

Set an explicit width and height on image elements to reduce layout shifts and improve CLS. Learn how to set image dimensions

Why this matters

Performance issues directly impact user engagement and conversion rates.

	URL
Broker Check by FINRA `span > p > a > img`	d32ijn7u0aqfv4.cloudfront.net/wp/wp-content/uploads/raw/BrokerCheck-logo.png
div.footer__signup > div.text-left > div > img `div.footer__signup > div.text-left > div > img`

More information about the performance of your application. These numbers don't directly affect the Performance score.

●Layout shift culprits

●Optimize DOM size

●LCP breakdown

●Modern HTTP

●Optimize viewport for mobile

●Max Potential First Input Delay 60 ms

●Minify CSS

●Minify JavaScript

●User Timing marks and measures 1 user timing

●Avoid long main-thread tasks 1 long task found

●Avoid non-composited animations 10 animated elements found

●Page didn't prevent back/forward cache restoration

●Network Requests

●Network Round Trip Times 170 ms

●Server Backend Latencies 180 ms

●Tasks

●Diagnostics

●Metrics

●Screenshot Thumbnails

●Final Screenshot

●Script Treemap Data

●Resources Summary

●Initial server response time was short Root document took 270 ms

●Avoid large layout shifts 3 layout shifts found

○INP breakdown

Accessibility

ARIA

Each ARIA `role` supports a specific subset of `aria-*` attributes. Mismatching these invalidates the `aria-*` attributes. Learn how to match ARIA attributes to their roles.

Why this matters

Performance issues directly impact user engagement and conversion rates.

Failing Elements
Select A Product To Get Started `div#header-wrapper > div#global-top-nav > div#modals-container > div#m-product-category`
Received A Mailer From Us? `div#header-wrapper > div#global-top-nav > div#modals-container > div#m-confirmation`

Using ARIA attributes in roles where they are prohibited can mean that important information is not communicated to users of assistive technologies. Learn more about prohibited ARIA roles.

Why this matters

Performance issues directly impact user engagement and conversion rates.

Failing Elements
Select A Product To Get Started `div#header-wrapper > div#global-top-nav > div#modals-container > div#m-product-category`
Received A Mailer From Us? `div#header-wrapper > div#global-top-nav > div#modals-container > div#m-confirmation`

These are opportunities to improve the usage of ARIA in your application which may enhance the experience for users of assistive technology, like a screen reader.

Contrast

Low-contrast text is difficult or impossible for many users to read. Learn how to provide sufficient color contrast.

Why this matters

Performance issues directly impact user engagement and conversion rates.

Failing Elements
Get Started `nav.nav-bar > ul.nav-bar__menu > li > a#main-nav-cta`
10-YEAR FIXED⁵ `div.layout > div.box > h3.eyebrow > div.eyeBrow-text`
15-YEAR FIXED⁶ `div.layout > div.box > h3.eyebrow > div.eyeBrow-text`
20-YEAR FIXED⁷ `div.layout > div.box > h3.eyebrow > div.eyeBrow-text`
30-YEAR FIXED⁸ `div.layout > div.box > h3.eyebrow > div.eyeBrow-text`
View your rate `section#hl-redesign-variant-8 > div.inner > p.margin-top > a#hl-fmr-4`
Your privacy options `ul > li > div.inline-block > a#privacy-options-link`
Subscribe `div.footer__signup > div.text-left > p.margin-none > a#otm-subscribe-footer`

Low-contrast text is difficult or impossible for many users to read. Link text that is discernible improves the experience for users with low vision. Learn how to make links distinguishable.

Why this matters

Performance issues directly impact user engagement and conversion rates.

Failing Elements
SoFi.com/legal/banking-rate-sheet `div.subfooter__legal > span > p > a`

These are opportunities to improve the legibility of your content.

Tables and lists

Screen readers have a specific way of announcing lists. Ensuring proper list structure aids screen reader output. Learn more about proper list structure.

Why this matters

Performance issues directly impact user engagement and conversion rates.

Failing Elements
Accessible Menu - Main Products Loans Student Loan Refinancing Medical Resid… `div#global-top-nav > header.global-header > nav.nav-bar > ul.nav-bar__menu`
Banking Checking Account High Yield Savings Account International Money Transf… `div.nav-dropdown > div.nav-dropdown__content > div.nav-dropdown__content-inner > ul.u-vert-child-spacing-xs`

These are opportunities to improve the experience of reading tabular or list data using assistive technology, like a screen reader.

Visible text labels that do not match the accessible name can result in a confusing experience for screen reader users. Learn more about accessible names.

Why this matters

Performance issues directly impact user engagement and conversion rates.

Failing Elements
Enter confirmation # - Received a credit card offer from us? `div.inner > p.bg-white > strong > a.underline`
View your rate `section#hl-redesign-variant-8 > div.inner > p.margin-top > a#hl-fmr-4`
Get started - Join SoFi today `section.page-section > div.inner > p.margin-top-ms > a#homepage-join-sofi-mod-cta-primary`
Terms and conditions `div.subfooter__legal > span > p > a`
https://www.sofi.com/legal/banking-rate-sheet `div.subfooter__legal > span > p > a`
www.sipc.org `div.subfooter__legal > span > p#†† > a`

○Interactive controls are keyboard focusable

○Interactive elements indicate their purpose and state

○The page has a logical tab order

○Visual order on the page follows DOM order

○User focus is not accidentally trapped in a region

○The user's focus is directed to new content added to the page

○HTML5 landmark elements are used to improve navigation

○Offscreen content is hidden from assistive technology

○Custom controls have associated labels

○Custom controls have ARIA roles

●`[aria-hidden="true"]` is not present on the document `<body>`

●`[role]`s have all required `[aria-*]` attributes

●`[role]` values are valid

●`[aria-*]` attributes have valid values

●`[aria-*]` attributes are valid and not misspelled

●Buttons have an accessible name

●Image elements have `[alt]` attributes

●`[user-scalable="no"]` is not used in the `<meta name="viewport">` element and the `[maximum-scale]` attribute is not less than 5.

●ARIA attributes are used as specified for the element's role

●Elements with `role="dialog"` or `role="alertdialog"` have accessible names.

●`[aria-hidden="true"]` elements do not contain focusable descendents

●Document has a `<title>` element

●`<html>` element has a `[lang]` attribute

●`<html>` element has a valid value for its `[lang]` attribute

●Links have a discernible name

●List items (`<li>`) are contained within `<ul>`, `<ol>` or `<menu>` parent elements

●No element has a `[tabindex]` value greater than 0

●Touch targets have sufficient size and spacing.

●Cells in a `<table>` element that use the `[headers]` attribute refer to table cells within the same table.

●Heading elements appear in a sequentially-descending order

●Skip links are focusable.

●Document has a main landmark.

●Deprecated ARIA roles were not used

●Uses ARIA roles only on compatible elements

●Identical links have the same purpose.

●Tables use `<caption>` instead of cells with the `[colspan]` attribute to indicate a caption.

●`<td>` elements in a large `<table>` have one or more table headers.

○`[accesskey]` values are unique

○`button`, `link`, and `menuitem` elements have accessible names

○ARIA input fields have accessible names

○ARIA `meter` elements have accessible names

○ARIA `progressbar` elements have accessible names

○Elements with an ARIA `[role]` that require children to contain a specific `[role]` have all required children.

○`[role]`s are contained by their required parent element

○Elements with the `role=text` attribute do not have focusable descendents.

○ARIA toggle fields have accessible names

○ARIA `tooltip` elements have accessible names

○ARIA `treeitem` elements have accessible names

○The page contains a heading, skip link, or landmark region

○`<dl>`'s contain only properly-ordered `<dt>` and `<dd>` groups, `<script>`, `<template>` or `<div>` elements.

○Definition list items are wrapped in `<dl>` elements

○ARIA IDs are unique

○No form fields have multiple labels

○`<frame>` or `<iframe>` elements have a title

○`<html>` element has an `[xml:lang]` attribute with the same base language as the `[lang]` attribute.

○Input buttons have discernible text.

○`<input type="image">` elements have `[alt]` text

○Form elements have associated labels

○The document does not use `<meta http-equiv="refresh">`

○`<object>` elements have alternate text

○Select elements have associated label elements.

○`<th>` elements and elements with `[role="columnheader"/"rowheader"]` have data cells they describe.

○`[lang]` attributes have a valid value

○`<video>` elements contain a `<track>` element with `[kind="captions"]`

○Tables have different content in the summary attribute and `<caption>`.

○All heading elements contain content.

○Image elements do not have `[alt]` attributes that are redundant text.

Best Practices

General

Deprecated APIs will eventually be removed from the browser. Learn more about deprecated APIs.

Why this matters

Performance issues directly impact user engagement and conversion rates.

Deprecation / Warning	Source
SharedStorage	www.sofi.com/cdn-cgi/challenge-platform/scripts/jsd/main.js
StorageType.persistent is deprecated. Please use standardized navigator.storage instead.	www.sofi.com/cdn-cgi/challenge-platform/scripts/jsd/main.js
Fledge	www.sofi.com/cdn-cgi/challenge-platform/scripts/jsd/main.js

Errors logged to the console indicate unresolved problems. They can come from network request failures and other browser concerns. Learn more about this errors in console diagnostic audit

Why this matters

Performance issues directly impact user engagement and conversion rates.

Source	Description
/wp/wp-content/themes/sofi-wp-baby/functions/react-helper...	`Failed to load resource: the server responded with a status of 403 ()`
/wp/wp-content/themes/sofi-wp-baby/functions/brightedge-a...	`Failed to load resource: the server responded with a status of 403 ()`
www.sofi.com/verify-session?returnBody=true&nocache=true	`Failed to load resource: the server responded with a status of 403 ()`
www.sofi.com/measure/pixel/refer?referrer=https://www.sofi.com	`Failed to load resource: the server responded with a status of 403 ()`
www.sofi.com/	`Refused to execute script from 'https://www.sofi.com/wp/wp-content/themes/sofi-wp-baby/functions/brightedge-autopilot/front/footer.js' because its MIME type ('text/html') is not executable, and strict MIME type checking is enabled.`
www.sofi.com/	`Refused to execute script from 'https://www.sofi.com/wp/wp-content/themes/sofi-wp-baby/functions/react-helpers/logTranspiledScriptError.js' because its MIME type ('text/html') is not executable, and strict MIME type checking is enabled.`
www.sofi.com/	`Uncaught (in promise) SyntaxError: Unexpected token '<', "<!DOCTYPE "... is not valid JSON`

●Uses HTTPS

●Avoids third-party cookies

●Allows users to paste into input fields

●Avoids requesting the geolocation permission on page load

●Avoids requesting the notification permission on page load

●Displays images with correct aspect ratio

●Serves images with appropriate resolution

●Page has the HTML doctype

●Properly defines charset

●No issues in the `Issues` panel in Chrome Devtools

●Ensure CSP is effective against XSS attacks

●Use a strong HSTS policy

●Mitigate DOM-based XSS with Trusted Types

●Detected JavaScript libraries

●Page has valid source maps

○Redirects HTTP traffic to HTTPS

○Ensure proper origin isolation with COOP

○Mitigate clickjacking with XFO or CSP

SEO

Content Best Practices

Descriptive link text helps search engines understand your content. Learn how to make links more accessible.

Why this matters

Performance issues directly impact user engagement and conversion rates.

Link destination	Link Text
www.sofi.com/sofi-plus/	Learn more
www.sofi.com/banking/	Learn more
amplifyyourambitions.com/	Learn more
www.sofi.com/ipo/	Learn more
www.sofi.com/bankshot/	Learn more
www.sofi.com/home-loans/home-equity-loan/	Learn more
www.sofi.com/sofi-plus/	Learn more
www.sofi.com/banking/	Learn more
amplifyyourambitions.com/	Learn more
www.sofi.com/ipo/	Learn more
www.sofi.com/bankshot/	Learn more
www.sofi.com/home-loans/home-equity-loan/	Learn more
www.sofi.com/sofi-plus/	Learn more

Format your HTML in a way that enables crawlers to better understand your app’s content.

Crawling and Indexing

Why this matters

Performance issues directly impact user engagement and conversion rates.

Uncrawlable Link
Products `nav.nav-bar > ul.nav-bar__menu > li.nav-dropdown > a#nav-products`
Member Benefits `nav.nav-bar > ul.nav-bar__menu > li.nav-dropdown > a#nav-member-benefits`
Resources `nav.nav-bar > ul.nav-bar__menu > li.nav-dropdown > a#nav-resources`
About `nav.nav-bar > ul.nav-bar__menu > li.nav-dropdown > a.link`

To appear in search results, crawlers need access to your app.

○Structured data is valid

●Page isn’t blocked from indexing

●Document has a `<title>` element

●Document has a meta description

●Page has successful HTTP status code

●robots.txt is valid

●Image elements have `[alt]` attributes

●Document has a valid `hreflang`

●Document has a valid `rel=canonical`

Results for https://sofi.com

Site Health

How you compare

Top Priorities (5)

Fix Priority Matrix

Quick Wins

Strategic

Easy Improvements

Deprioritize

What fixing these means

Conversion Barriers

Speed (2)

Trust (1)

Content (3)

Navigation (1)

Return on Investment

Investment

Monthly returns

Regulatory risk avoided

Estimated Remediation Cost

Cost by category

Cost by effort level

What Inaction Is Costing You

Compliance Risk

Bandwidth Waste

Lighthouse Scores

Core Web Vitals

Detailed Report

Performance

Insights

Diagnostics

Accessibility

ARIA

Contrast

Tables and lists

Best Practices

General

SEO

Content Best Practices

Crawling and Indexing

Lighthouse Scores

Core Web Vitals

Detailed Report

Performance

Insights

Diagnostics

Accessibility

ARIA

Contrast

Tables and lists

Best Practices

General

SEO

Content Best Practices

Crawling and Indexing

Keyboard Shortcuts