Smartfi Home Loans Mortgage Lending & HMDA Data, 2022
In 2022, Smartfi Home Loans of San Diego, CA reported 204 mortgage applications totaling $68.3 million, up 15% from 2021. The average application was for $334,901, and applicants reported an average income of $47,754. 69% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Cleveland-Elyria, OH (48), Oakland-Hayward-Berkeley, CA (20) and Los Angeles-Long Beach-Glendale, CA (8) (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 | 204 |
| Total Mortgage Loan Application Amount | $68,320,000 |
| Average Mortgage Loan Application Amount | $334,901 |
| Highest Mortgage Loan Application Amount | $2,715,000 |
| Average Applicant Income | $47,754 |
| Highest Applicant Income | $337,000 |
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Act (HMDA) records Smartfi Home Loans filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Cleveland-Elyria, OH | 48 | $ 7,580,000 | $ 157,916 | $ 79,000 |
| Oakland-Hayward-Berkeley, CA | 20 | $ 13,620,000 | $ 681,000 | $ 23,000 |
| Los Angeles-Long Beach-Glendale, CA | 8 | $ 3,100,000 | $ 387,500 | $ 28,000 |
| Miami-Miami Beach-Kendall, FL | 8 | $ 3,600,000 | $ 450,000 | $ 61,000 |
| Outside any metro area | 7 | $ 1,985,000 | $ 283,571 | $ 69,571 |
| Phoenix-Mesa-Scottsdale, AZ | 7 | $ 1,585,000 | $ 226,428 | $ 25,000 |
| Anaheim-Santa Ana-Irvine, CA | 6 | $ 4,120,000 | $ 686,666 | $ 27,000 |
| Riverside-San Bernardino-Ontario, CA | 6 | $ 1,610,000 | $ 268,333 | $ 24,000 |
| San Francisco-Redwood City-South San Francisco, CA | 6 | $ 3,030,000 | $ 505,000 | $ 45,000 |
| Akron, OH | 5 | $ 885,000 | $ 177,000 | $ 78,000 |
| Canton-Massillon, OH | 5 | $ 545,000 | $ 109,000 | $ 80,000 |
| San Diego-Carlsbad, CA | 5 | $ 3,735,000 | $ 747,000 | $ 45,000 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 1,215,000 | $ 243,000 | $ 38,000 |
| Columbus, OH | 4 | $ 810,000 | $ 202,500 | $ 76,000 |
| Dallas-Plano-Irving, TX | 4 | $ 470,000 | $ 117,500 | $ 38,000 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 535,000 | $ 178,333 | $ 27,000 |
| Colorado Springs, CO | 3 | $ 655,000 | $ 218,333 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 3,145,000 | $ 1,048,333 | $ 19,000 |
| Toledo, OH | 3 | $ 415,000 | $ 138,333 | $ 86,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 455,000 | $ 151,666 | $ 15,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 570,000 | $ 285,000 | $ 47,000 |
| Jacksonville, FL | 2 | $ 370,000 | $ 185,000 | $ 43,000 |
| Modesto, CA | 2 | $ 320,000 | $ 160,000 | $ 12,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 400,000 | $ 200,000 | $ 33,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 780,000 | $ 390,000 | $ 26,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 260,000 | $ 130,000 | $ 5,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 550,000 | $ 275,000 | $ 26,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 1,950,000 | $ 975,000 | $ 14,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 900,000 | $ 450,000 | $ 82,000 |
| The Villages, FL | 2 | $ 470,000 | $ 235,000 | $ 14,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 1,020,000 | $ 510,000 | $ 23,000 |
| Ann Arbor, MI | 1 | $ 135,000 | $ 135,000 | $ 24,000 |
| Austin-Round Rock, TX | 1 | $ 225,000 | $ 225,000 | $ 31,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 335,000 | $ 335,000 | $ 67,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 165,000 | $ 165,000 | $ 30,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 85,000 | $ 85,000 | $ 75,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 525,000 | $ 525,000 | $ 37,000 |
| Fresno, CA | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Gainesville, GA | 1 | $ 185,000 | $ 185,000 | $ 41,000 |
| Grand Junction, CO | 1 | $ 185,000 | $ 185,000 | $ 43,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 305,000 | $ 305,000 | $ 61,000 |
| Ocala, FL | 1 | $ 145,000 | $ 145,000 | $ 29,000 |
| Port St. Lucie, FL | 1 | $ 215,000 | $ 215,000 | $ 26,000 |
| Salinas, CA | 1 | $ 995,000 | $ 995,000 | $ 10,000 |
| San Antonio-New Braunfels, TX | 1 | $ 135,000 | $ 135,000 | $ 27,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 805,000 | $ 805,000 | $ 0 |
| Santa Maria-Santa Barbara, CA | 1 | $ 1,255,000 | $ 1,255,000 | $ 30,000 |
| Santa Rosa, CA | 1 | $ 535,000 | $ 535,000 | $ 31,000 |
| Sebastian-Vero Beach, FL | 1 | $ 165,000 | $ 165,000 | $ 39,000 |
| Stockton-Lodi, CA | 1 | $ 325,000 | $ 325,000 | $ 25,000 |
| Tacoma-Lakewood, WA | 1 | $ 165,000 | $ 165,000 | $ 28,000 |
| Tucson, AZ | 1 | $ 275,000 | $ 275,000 | $ 23,000 |
| Vallejo-Fairfield, CA | 1 | $ 255,000 | $ 255,000 | $ 90,000 |
| Visalia-Porterville, CA | 1 | $ 75,000 | $ 75,000 | $ 18,000 |
Mortgage Loan Application Detail Totals for Smartfi Home Loans in 2022
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 | 156 | $54,870,000 | $351,000 | $2,715,000 | $47,000 | $189,000 |
| Home Improvement | 21 | $7,485,000 | $356,000 | $995,000 | $19,000 | $104,000 |
| Home Purchase | 19 | $3,755,000 | $197,000 | $645,000 | $89,000 | $337,000 |
| Other Purpose | 8 | $2,210,000 | $276,000 | $535,000 | $40,000 | $77,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 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 | 142 | $46,720,000 | $329,000 | $2,715,000 | $52,000 | $337,000 |
| Not Provided | 40 | $12,890,000 | $322,000 | $1,255,000 | $34,000 | $104,000 |
| Hispanic | 12 | $3,940,000 | $328,000 | $715,000 | $45,000 | $172,000 |
| Black or African American | 6 | $1,780,000 | $296,000 | $685,000 | $25,000 | $45,000 |
| Asian | 3 | $2,295,000 | $765,000 | $1,475,000 | $114,000 | $189,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 200 | $67,770,000 | $338,000 | $2,715,000 | $48,000 | $337,000 |
| FHA-insured (Federal Housing Administration) | 2 | $260,000 | $130,000 | $175,000 | $57,000 | $61,000 |
| VA-guaranteed (Veterans Administration) | 2 | $290,000 | $145,000 | $145,000 | $13,000 | $13,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 140 | $47,910,000 | $342,000 | $2,715,000 | $50,000 | $337,000 |
| Application Withdrawn By Applicant | 34 | $9,560,000 | $281,000 | $1,395,000 | $37,000 | $139,000 |
| Application Denied By Financial Institution | 26 | $9,600,000 | $369,000 | $1,605,000 | $55,000 | $189,000 |
| File Closed For Incompleteness | 3 | $965,000 | $321,000 | $745,000 | $27,000 | $70,000 |
| Application Approved But Not Accepted | 1 | $285,000 | $285,000 | $285,000 | $38,000 | $38,000 |
| 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 | 178 | $58,720,000 | $329,000 | $2,715,000 | $47,000 | $337,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $2,995,000 | $230,000 | $385,000 | $38,000 | $104,000 |
| Credit History | 4 | $2,390,000 | $597,000 | $1,475,000 | $124,000 | $189,000 |
| Unverifiable Information | 4 | $3,080,000 | $770,000 | $1,605,000 | $60,000 | $161,000 |
| Debt-To-Income Ratio | 2 | $340,000 | $170,000 | $215,000 | $43,000 | $70,000 |
| Collateral | 2 | $650,000 | $325,000 | $395,000 | $36,000 | $44,000 |
| Credit Application Incomplete | 1 | $145,000 | $145,000 | $145,000 | $42,000 | $42,000 |
| 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 2022 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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