Earnest offered a slightly higher rate than I received from SoFi. However, Earnest offers a biweekly automatic payment option vs SoFi's standard monthly autopay. The biweekly autopay option ends up saving you money in the long run. I completed my application and waited about a week while I was deciding which lender to go with. In that time, Earnest offered a $300 credit if I went with them. This helped solidify my decision.
The one downside to Earnest was that I received a higher rate when I submitted my full app vs my initial interest rate. I was told that the initial rate is almost never the same as what is offered with the full application. This struck me as a bait and switch but I admit I understand more details come from the full application. Still, I didn't think that my application worse.
Regardless, in my situation it made sense to go with a slightly higher rate with Earnest which would end up being a slightly lower rate than SoFi because of the biweekly autopay option. The $300 credit was icing on the cake!