Smartfi Home Loans Mortgage Lending & HMDA Data, 2025
In 2025, Smartfi Home Loans of San Diego, CA reported 1,644 mortgage applications totaling $525.1 million, up 283% from 2024. The average application was for $319,391, and applicants reported an average income of $35,965. 68% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (145), Miami-Miami Beach-Kendall, FL (91) and Riverside-San Bernardino-Ontario, CA (86) (applications in parentheses).
| Mortgage Company & Address | Smartfi Home Loans San Diego, CA 92122 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 |
| Total Number of Mortgage Applications | 1,644 |
| Total Mortgage Loan Application Amount | $525,080,000 |
| Average Mortgage Loan Application Amount | $319,391 |
| Highest Mortgage Loan Application Amount | $4,505,000 |
| Average Applicant Income | $35,965 |
| Highest Applicant Income | $515,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Smartfi Home Loans filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 145 | $ 85,145,000 | $ 587,206 | $ 41,000 |
| Outside any metro area | 130 | $ 29,890,000 | $ 229,923 | $ 32,253 |
| Miami-Miami Beach-Kendall, FL | 91 | $ 28,195,000 | $ 309,835 | $ 33,000 |
| Riverside-San Bernardino-Ontario, CA | 86 | $ 24,210,000 | $ 281,511 | $ 34,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 63 | $ 12,935,000 | $ 205,317 | $ 27,000 |
| Phoenix-Mesa-Scottsdale, AZ | 55 | $ 15,035,000 | $ 273,363 | $ 36,000 |
| San Diego-Carlsbad, CA | 54 | $ 31,570,000 | $ 584,629 | $ 48,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 53 | $ 14,215,000 | $ 268,207 | $ 36,000 |
| Oakland-Hayward-Berkeley, CA | 45 | $ 26,695,000 | $ 593,222 | $ 54,000 |
| Anaheim-Santa Ana-Irvine, CA | 38 | $ 25,860,000 | $ 680,526 | $ 41,000 |
| St. Petersburg-Clearwater-Largo, FL | 33 | $ 6,955,000 | $ 210,757 | $ 30,000 |
| Dallas-Plano-Irving, TX | 32 | $ 6,630,000 | $ 207,187 | $ 39,000 |
| Denver-Aurora-Lakewood, CO | 32 | $ 10,690,000 | $ 334,062 | $ 35,000 |
| Tampa, FL | 29 | $ 5,285,000 | $ 182,241 | $ 35,000 |
| Houston-The Woodlands-Sugar Land, TX | 28 | $ 5,910,000 | $ 211,071 | $ 28,000 |
| Orlando-Kissimmee-Sanford, FL | 27 | $ 5,375,000 | $ 199,074 | $ 35,000 |
| North Port-Sarasota-Bradenton, FL | 25 | $ 5,055,000 | $ 202,200 | $ 31,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 24 | $ 5,750,000 | $ 239,583 | $ 33,000 |
| Seattle-Bellevue-Everett, WA | 22 | $ 12,730,000 | $ 578,636 | $ 56,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 19 | $ 15,935,000 | $ 838,684 | $ 31,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 18 | $ 4,090,000 | $ 227,222 | $ 30,000 |
| Atlanta-Sandy Springs-Roswell, GA | 17 | $ 5,675,000 | $ 333,823 | $ 39,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 15 | $ 1,975,000 | $ 131,666 | $ 31,000 |
| Fort Worth-Arlington, TX | 15 | $ 2,865,000 | $ 191,000 | $ 35,000 |
| Chicago-Naperville, IL | 14 | $ 2,760,000 | $ 197,142 | $ 27,000 |
| Cape Coral-Fort Myers, FL | 13 | $ 2,995,000 | $ 230,384 | $ 36,000 |
| Fresno, CA | 13 | $ 3,805,000 | $ 292,692 | $ 48,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 13 | $ 5,395,000 | $ 415,000 | $ 41,000 |
| Salt Lake City, UT | 11 | $ 2,625,000 | $ 238,636 | $ 37,000 |
| San Antonio-New Braunfels, TX | 11 | $ 2,085,000 | $ 189,545 | $ 29,000 |
| San Francisco-Redwood City-South San Francisco, CA | 11 | $ 7,845,000 | $ 713,181 | $ 71,000 |
| Tacoma-Lakewood, WA | 11 | $ 2,945,000 | $ 267,727 | $ 33,000 |
| Albuquerque, NM | 10 | $ 1,320,000 | $ 132,000 | $ 25,000 |
| Austin-Round Rock, TX | 10 | $ 4,910,000 | $ 491,000 | $ 29,000 |
| Everett, WA | 10 | $ 3,630,000 | $ 363,000 | $ 34,000 |
| Palm Bay-Melbourne-Titusville, FL | 10 | $ 1,750,000 | $ 175,000 | $ 32,000 |
| Philadelphia, PA | 10 | $ 1,520,000 | $ 152,000 | $ 30,000 |
| Punta Gorda, FL | 10 | $ 1,650,000 | $ 165,000 | $ 16,000 |
| Boise City, ID | 9 | $ 2,935,000 | $ 326,111 | $ 45,000 |
| Lakeland-Winter Haven, FL | 9 | $ 1,155,000 | $ 128,333 | $ 38,000 |
| Warren-Troy-Farmington Hills, MI | 9 | $ 1,715,000 | $ 190,555 | $ 39,000 |
| Bakersfield, CA | 8 | $ 1,310,000 | $ 163,750 | $ 38,000 |
| Bend-Redmond, OR | 8 | $ 2,190,000 | $ 273,750 | $ 29,000 |
| Columbus, OH | 8 | $ 1,440,000 | $ 180,000 | $ 23,000 |
| Naples-Immokalee-Marco Island, FL | 8 | $ 2,910,000 | $ 363,750 | $ 27,000 |
| Port St. Lucie, FL | 8 | $ 1,710,000 | $ 213,750 | $ 38,000 |
| Tucson, AZ | 8 | $ 1,560,000 | $ 195,000 | $ 30,000 |
| Colorado Springs, CO | 7 | $ 1,185,000 | $ 169,285 | $ 30,000 |
| Jacksonville, FL | 7 | $ 1,335,000 | $ 190,714 | $ 26,000 |
| Montgomery County-Bucks County-Chester County, PA | 7 | $ 1,745,000 | $ 249,285 | $ 25,000 |
| Ocala, FL | 7 | $ 1,085,000 | $ 155,000 | $ 34,000 |
| Wildwood-The Villages, FL | 7 | $ 1,305,000 | $ 186,428 | $ 39,000 |
| Cincinnati, OH-KY-IN | 6 | $ 1,340,000 | $ 223,333 | $ 26,833 |
| El Paso, TX | 6 | $ 490,000 | $ 81,666 | $ 31,000 |
| Kennewick-Richland, WA | 6 | $ 910,000 | $ 151,666 | $ 25,000 |
| Modesto, CA | 6 | $ 1,280,000 | $ 213,333 | $ 49,000 |
| Stockton-Lodi, CA | 6 | $ 1,640,000 | $ 273,333 | $ 39,000 |
| Traverse City, MI | 6 | $ 890,000 | $ 148,333 | $ 26,000 |
| Baltimore-Columbia-Towson, MD | 5 | $ 795,000 | $ 159,000 | $ 28,000 |
| Bremerton-Silverdale, WA | 5 | $ 1,345,000 | $ 269,000 | $ 24,000 |
| Detroit-Dearborn-Livonia, MI | 5 | $ 1,005,000 | $ 201,000 | $ 29,000 |
| Indianapolis-Carmel-Anderson, IN | 5 | $ 855,000 | $ 171,000 | $ 33,000 |
| Lakewood-New Brunswick, NJ | 5 | $ 765,000 | $ 153,000 | $ 35,000 |
| Marietta, GA | 5 | $ 1,065,000 | $ 213,000 | $ 36,000 |
| Panama City, FL | 5 | $ 1,125,000 | $ 225,000 | $ 61,000 |
| Salinas, CA | 5 | $ 3,055,000 | $ 611,000 | $ 51,000 |
| St. George, UT | 5 | $ 1,925,000 | $ 385,000 | $ 52,000 |
| Tulsa, OK | 5 | $ 1,015,000 | $ 203,000 | $ 35,000 |
| Camden, NJ | 4 | $ 560,000 | $ 140,000 | $ 34,000 |
| Eugene, OR | 4 | $ 730,000 | $ 182,500 | $ 33,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 660,000 | $ 165,000 | $ 44,000 |
| Oklahoma City, OK | 4 | $ 340,000 | $ 85,000 | $ 28,000 |
| Provo-Orem, UT | 4 | $ 1,900,000 | $ 475,000 | $ 29,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 4 | $ 1,620,000 | $ 405,000 | $ 64,000 |
| Santa Maria-Santa Barbara, CA | 4 | $ 5,300,000 | $ 1,325,000 | $ 153,000 |
| Spokane-Spokane Valley, WA | 4 | $ 880,000 | $ 220,000 | $ 25,000 |
| Washington, DC-MD | 4 | $ 1,000,000 | $ 250,000 | $ 54,500 |
| Abilene, TX | 3 | $ 335,000 | $ 111,666 | $ 32,000 |
| Albany, OR | 3 | $ 405,000 | $ 135,000 | $ 12,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 355,000 | $ 118,333 | $ 32,333 |
| Birmingham-Hoover, AL | 3 | $ 385,000 | $ 128,333 | $ 23,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 445,000 | $ 148,333 | $ 66,000 |
| Erie, PA | 3 | $ 435,000 | $ 145,000 | $ 40,000 |
| Fort Collins, CO | 3 | $ 825,000 | $ 275,000 | $ 35,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 515,000 | $ 171,666 | $ 38,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 615,000 | $ 205,000 | $ 27,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 865,000 | $ 288,333 | $ 43,000 |
| Pittsburgh, PA | 3 | $ 475,000 | $ 158,333 | $ 25,000 |
| Prescott Valley-Prescott, AZ | 3 | $ 685,000 | $ 228,333 | $ 15,000 |
| Salem, OR | 3 | $ 455,000 | $ 151,666 | $ 21,000 |
| San Rafael, CA | 3 | $ 1,595,000 | $ 531,666 | $ 18,000 |
| Vallejo-Fairfield, CA | 3 | $ 1,405,000 | $ 468,333 | $ 23,000 |
| Waco, TX | 3 | $ 275,000 | $ 91,666 | $ 28,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 730,000 | $ 365,000 | $ 11,000 |
| Billings, MT | 2 | $ 290,000 | $ 145,000 | $ 11,000 |
| Chico, CA | 2 | $ 690,000 | $ 345,000 | $ 46,000 |
| Cleveland, OH | 2 | $ 130,000 | $ 65,000 | $ 55,000 |
| Dalton, GA | 2 | $ 200,000 | $ 100,000 | $ 20,000 |
| Flint, MI | 2 | $ 160,000 | $ 80,000 | $ 40,000 |
| Gainesville, GA | 2 | $ 690,000 | $ 345,000 | $ 13,000 |
| Grand Junction, CO | 2 | $ 260,000 | $ 130,000 | $ 36,000 |
| Grants Pass, OR | 2 | $ 290,000 | $ 145,000 | $ 24,000 |
| Greeley, CO | 2 | $ 460,000 | $ 230,000 | $ 23,000 |
| Homosassa Springs, FL | 2 | $ 220,000 | $ 110,000 | $ 34,000 |
| Killeen-Temple, TX | 2 | $ 220,000 | $ 110,000 | $ 48,000 |
| Lake County-Porter County-Jasper County, IN | 2 | $ 270,000 | $ 135,000 | $ 27,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 230,000 | $ 115,000 | $ 25,000 |
| Lubbock, TX | 2 | $ 160,000 | $ 80,000 | $ 40,000 |
| Medford, OR | 2 | $ 840,000 | $ 420,000 | $ 61,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 470,000 | $ 235,000 | $ 31,000 |
| New Orleans-Metairie, LA | 2 | $ 220,000 | $ 110,000 | $ 23,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 570,000 | $ 285,000 | $ 50,000 |
| Newark, NJ-PA | 2 | $ 510,000 | $ 255,000 | $ 57,000 |
| Olympia-Tumwater, WA | 2 | $ 400,000 | $ 200,000 | $ 19,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 3,310,000 | $ 1,655,000 | $ 106,000 |
| Santa Fe, NM | 2 | $ 530,000 | $ 265,000 | $ 28,000 |
| Santa Rosa, CA | 2 | $ 1,160,000 | $ 580,000 | $ 57,000 |
| Sebring, FL | 2 | $ 260,000 | $ 130,000 | $ 36,000 |
| Sherman-Denison, TX | 2 | $ 450,000 | $ 225,000 | $ 34,000 |
| Tallahassee, FL | 2 | $ 150,000 | $ 75,000 | $ 24,000 |
| Wenatchee, WA | 2 | $ 470,000 | $ 235,000 | $ 30,000 |
| York-Hanover, PA | 2 | $ 370,000 | $ 185,000 | $ 29,000 |
| Yuba City, CA | 2 | $ 310,000 | $ 155,000 | $ 42,000 |
| Ann Arbor, MI | 1 | $ 165,000 | $ 165,000 | $ 30,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 135,000 | $ 135,000 | $ 39,000 |
| Baton Rouge, LA | 1 | $ 115,000 | $ 115,000 | $ 37,000 |
| Bloomington, IL | 1 | $ 265,000 | $ 265,000 | $ 29,000 |
| Bloomington, IN | 1 | $ 165,000 | $ 165,000 | $ 47,000 |
| Brownsville-Harlingen, TX | 1 | $ 55,000 | $ 55,000 | $ 14,000 |
| Charleston-North Charleston, SC | 1 | $ 365,000 | $ 365,000 | $ 42,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 85,000 | $ 85,000 | $ 25,000 |
| Chattanooga, TN-GA | 1 | $ 85,000 | $ 85,000 | $ 15,000 |
| Cheyenne, WY | 1 | $ 255,000 | $ 255,000 | $ 51,000 |
| Coeur D'Alene, ID | 1 | $ 1,375,000 | $ 1,375,000 | $ 60,000 |
| College Station-Bryan, TX | 1 | $ 635,000 | $ 635,000 | $ 14,000 |
| Columbia, SC | 1 | $ 115,000 | $ 115,000 | $ 71,000 |
| Corpus Christi, TX | 1 | $ 95,000 | $ 95,000 | $ 42,000 |
| Corvallis, OR | 1 | $ 95,000 | $ 95,000 | $ 50,000 |
| Elgin, IL | 1 | $ 145,000 | $ 145,000 | $ 68,000 |
| Evansville, IN-KY | 1 | $ 225,000 | $ 225,000 | $ 48,000 |
| Gettysburg, PA | 1 | $ 155,000 | $ 155,000 | $ 31,000 |
| Green Bay, WI | 1 | $ 205,000 | $ 205,000 | $ 47,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 405,000 | $ 405,000 | $ 57,000 |
| Harrisburg-Carlisle, PA | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 85,000 | $ 85,000 | $ 19,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Knoxville, TN | 1 | $ 185,000 | $ 185,000 | $ 24,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 105,000 | $ 105,000 | $ 20,000 |
| Lansing-East Lansing, MI | 1 | $ 105,000 | $ 105,000 | $ 28,000 |
| Lebanon, PA | 1 | $ 115,000 | $ 115,000 | $ 20,000 |
| Longview, WA | 1 | $ 125,000 | $ 125,000 | $ 29,000 |
| Memphis, TN-MS-AR | 1 | $ 155,000 | $ 155,000 | $ 43,000 |
| Merced, CA | 1 | $ 195,000 | $ 195,000 | $ 35,000 |
| Mobile, AL | 1 | $ 75,000 | $ 75,000 | $ 29,000 |
| Montgomery, AL | 1 | $ 125,000 | $ 125,000 | $ 26,000 |
| Napa, CA | 1 | $ 235,000 | $ 235,000 | $ 33,000 |
| Ogden-Clearfield, UT | 1 | $ 275,000 | $ 275,000 | $ 85,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 95,000 | $ 95,000 | $ 20,000 |
| Oshkosh-Neenah, WI | 1 | $ 95,000 | $ 95,000 | $ 19,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 235,000 | $ 235,000 | $ 17,000 |
| Peoria, IL | 1 | $ 85,000 | $ 85,000 | $ 24,000 |
| Pocatello, ID | 1 | $ 365,000 | $ 365,000 | $ 67,000 |
| Rockford, IL | 1 | $ 115,000 | $ 115,000 | $ 26,000 |
| Sebastian-Vero Beach, FL | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Sioux Falls, SD | 1 | $ 75,000 | $ 75,000 | $ 24,000 |
| Sumter, SC | 1 | $ 95,000 | $ 95,000 | $ 19,000 |
| Trenton, NJ | 1 | $ 335,000 | $ 335,000 | $ 80,000 |
| Tuscaloosa, AL | 1 | $ 95,000 | $ 95,000 | $ 29,000 |
| Twin Falls, ID | 1 | $ 205,000 | $ 205,000 | $ 32,000 |
| Tyler, TX | 1 | $ 145,000 | $ 145,000 | $ 31,000 |
| Washington-Baltimore-Arlington, DC | 1 | $ 315,000 | $ 315,000 | $ 17,000 |
| Wheeling, WV-OH | 1 | $ 195,000 | $ 195,000 | $ 25,000 |
| Wichita Falls, TX | 1 | $ 25,000 | $ 25,000 | $ 41,000 |
| Yakima, WA | 1 | $ 205,000 | $ 205,000 | $ 31,000 |
Mortgage Loan Application Detail Totals for Smartfi Home Loans in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 1,201 | $414,685,000 | $345,000 | $4,505,000 | $37,000 | $515,000 |
| Other Purpose | 225 | $50,445,000 | $224,000 | $1,295,000 | $29,000 | $119,000 |
| Home Improvement | 137 | $40,365,000 | $294,000 | $1,325,000 | $33,000 | $119,000 |
| Home Purchase | 81 | $19,585,000 | $241,000 | $1,085,000 | $45,000 | $155,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,000 | $309,170,000 | $309,000 | $4,505,000 | $36,000 | $515,000 |
| Not Provided | 268 | $97,040,000 | $362,000 | $2,785,000 | $35,000 | $391,000 |
| Hispanic | 207 | $63,785,000 | $308,000 | $2,245,000 | $32,000 | $130,000 |
| Black or African American | 125 | $36,315,000 | $290,000 | $3,615,000 | $37,000 | $201,000 |
| Asian | 39 | $16,615,000 | $426,000 | $1,665,000 | $49,000 | $328,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,615,000 | $538,000 | $935,000 | $36,000 | $62,000 |
| American Indian or Alaskan Native | 2 | $540,000 | $270,000 | $325,000 | $32,000 | $35,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,020 | $376,810,000 | $369,000 | $4,505,000 | $37,000 | $515,000 |
| FHA-insured (Federal Housing Administration) | 624 | $148,270,000 | $237,000 | $825,000 | $34,000 | $216,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,116 | $359,530,000 | $322,000 | $4,505,000 | $37,000 | $515,000 |
| Application Denied By Financial Institution | 357 | $112,525,000 | $315,000 | $4,005,000 | $36,000 | $342,000 |
| Application Withdrawn By Applicant | 146 | $48,310,000 | $330,000 | $1,715,000 | $33,000 | $122,000 |
| File Closed For Incompleteness | 15 | $2,705,000 | $180,000 | $315,000 | $28,000 | $47,000 |
| Application Approved But Not Accepted | 10 | $2,010,000 | $201,000 | $555,000 | $30,000 | $50,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,287 | $412,555,000 | $320,000 | $4,505,000 | $36,000 | $515,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 105 | $37,295,000 | $355,000 | $3,615,000 | $41,000 | $185,000 |
| Collateral | 92 | $23,370,000 | $254,000 | $2,835,000 | $33,000 | $147,000 |
| Debt-To-Income Ratio | 56 | $23,700,000 | $423,000 | $4,005,000 | $30,000 | $342,000 |
| Unverifiable Information | 54 | $15,360,000 | $284,000 | $1,845,000 | $37,000 | $143,000 |
| Credit History | 48 | $12,360,000 | $257,000 | $1,075,000 | $39,000 | $105,000 |
| Credit Application Incomplete | 2 | $440,000 | $220,000 | $335,000 | $25,000 | $27,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Smartfi Home Loans's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Smartfi Home Loans's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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