Smartfi Home Loans , LLC mortgage approval rate & lending review
Smartfi Home Loans , LLC decided 1,611 mortgage applications and funded 1,233 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Smartfi Home Loans , LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to smartfihomeloans.com.
This lender is broker only. It does not take applications from borrowers directly; you would reach it through a mortgage broker.
Smartfi Home Loans , LLC at a glance
Approval is 1.5 points above the 75.7% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Smartfi Home Loans , LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Miami-Dade County, FL | Refinance | 74% | 89 | 66 |
| San Diego County, CA | Refinance | 87% | 67 | 58 |
| Broward County, FL | Refinance | 77% | 62 | 47 |
| Palm Beach County, FL | Refinance | 70% | 53 | 36 |
| Pinellas County, FL | Refinance | 88% | 24 | 21 |
The county markets where Smartfi Home Loans , LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Smartfi Home Loans , LLC
What is Smartfi Home Loans , LLC's mortgage approval rate?
Smartfi Home Loans , LLC approved 77.2% of the 1,611 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.5 points above the 75.7% national rate for the same mix of loan types.
How often do borrowers take the loan Smartfi Home Loans , LLC offers?
Borrowers accepted 99% of the loans Smartfi Home Loans , LLC approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Smartfi Home Loans , LLC make?
The typical mortgage refinance loan Smartfi Home Loans , LLC made was $235K; across all loan types its typical loan ran from $195K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Smartfi Home Loans , LLC lend?
Smartfi Home Loans , LLC decided applications in 29 of the states Fat Boy Data covers, most of them in California, Florida and Texas.
Can I apply to Smartfi Home Loans , LLC directly?
No. Smartfi Home Loans , LLC is a wholesale lender: it funds loans that mortgage brokers bring to it and does not take applications from borrowers directly. Its website is smartfihomeloans.com.
Does this page show Smartfi Home Loans , LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Smartfi Home Loans , LLC treats applications, then get a rate quote from the lender.