Lender profile · HMDA 2023–2025
Smartfi Home Loans , LLC mortgage approval rates & lending data
Smartfi Home Loans , LLC decided 1,611 mortgage applications and funded 1,233 loans across the 616 counties Fat Boy Data covers, 2023–2025.
This lender is broker only. It does not take applications from borrowers directly; you would reach it through a mortgage broker.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 89% | 77 / 87 | 99% | $195K | 76 |
| Home improvement loans | 85% | 139 / 163 | 99% | $265K | 138 |
| Refinance | 76% | 1,028 / 1,361 | 99% | $235K | 1,019 |
Smartfi Home Loans , LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 79% | $525K | 607 | 477 |
| Florida | 77% | $195K | 440 | 334 |
| Texas | 67% | $155K | 97 | 64 |
| Arizona | 71% | $225K | 76 | 54 |
| Washington | 80% | $395K | 75 | 60 |
| Colorado | 79% | $185K | 57 | 44 |
| Oregon | 74% | $185K | 31 | 23 |
| Pennsylvania | 94% | $145K | 31 | 28 |
| New Jersey | 78% | $135K | 27 | 21 |
| Illinois | 82% | $185K | 22 | 18 |
| Georgia | 57% | $125K | 21 | 12 |
| Michigan | 78% | $165K | 18 | 13 |
| Utah | 78% | $265K | 18 | 14 |
| New Mexico | 85% | $165K | 13 | 11 |
| Ohio | 54% | $145K | 13 | 7 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.