The market for U.S. home loans is $1.45 trillion. Nonbanks were responsible for 37.5 percent of U.S. home loans made last year, up from 26.7 percent in 2013. Start-ups like Sofi are also simplifying the process “I didn’t want to deal with a bank,” One consumer said. “I signed my offer sheets and loan documents on my phone while I was sitting in a bar.”