Smartfi Home Loans Mortgage Lending & HMDA Data, 2023
In 2023, Smartfi Home Loans of San Diego, CA reported 169 mortgage applications totaling $70.7 million, down 17% from 2022. The average application was for $418,136, and applicants reported an average income of $33,372. 79% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (14), Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (11) and West Palm Beach-Boca Raton-Delray Beach, FL (11) (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 | 169 |
| Total Mortgage Loan Application Amount | $70,665,000 |
| Average Mortgage Loan Application Amount | $418,136 |
| Highest Mortgage Loan Application Amount | $4,005,000 |
| Average Applicant Income | $33,372 |
| Highest Applicant Income | $350,000 |
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Act (HMDA) records Smartfi Home Loans filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 14 | $ 5,990,000 | $ 427,857 | $ 29,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 11 | $ 2,045,000 | $ 185,909 | $ 29,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 11 | $ 8,625,000 | $ 784,090 | $ 44,000 |
| Oakland-Hayward-Berkeley, CA | 9 | $ 5,915,000 | $ 657,222 | $ 65,000 |
| North Port-Sarasota-Bradenton, FL | 8 | $ 4,120,000 | $ 515,000 | $ 29,000 |
| San Diego-Carlsbad, CA | 8 | $ 4,900,000 | $ 612,500 | $ 29,000 |
| Anaheim-Santa Ana-Irvine, CA | 7 | $ 4,155,000 | $ 593,571 | $ 48,000 |
| Denver-Aurora-Lakewood, CO | 7 | $ 2,365,000 | $ 337,857 | $ 25,000 |
| Outside any metro area | 7 | $ 5,285,000 | $ 755,000 | $ 45,714 |
| Phoenix-Mesa-Scottsdale, AZ | 7 | $ 3,045,000 | $ 435,000 | $ 40,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 1,275,000 | $ 255,000 | $ 31,000 |
| Austin-Round Rock, TX | 4 | $ 1,710,000 | $ 427,500 | $ 28,000 |
| Chicago-Naperville, IL | 4 | $ 920,000 | $ 230,000 | $ 32,000 |
| Houston-The Woodlands-Sugar Land, TX | 4 | $ 430,000 | $ 107,500 | $ 19,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 720,000 | $ 180,000 | $ 21,000 |
| New York-Jersey City-White Plains, NY-NJ | 3 | $ 985,000 | $ 328,333 | $ 22,000 |
| New York-Newark, NY | 3 | $ 295,000 | $ 98,333 | $ 54,000 |
| San Francisco-Redwood City-South San Francisco, CA | 3 | $ 3,045,000 | $ 1,015,000 | $ 31,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 1,055,000 | $ 351,666 | $ 21,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 220,000 | $ 110,000 | $ 30,000 |
| Bremerton-Silverdale, WA | 2 | $ 520,000 | $ 260,000 | $ 17,000 |
| Dallas-Plano-Irving, TX | 2 | $ 330,000 | $ 165,000 | $ 26,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 350,000 | $ 175,000 | $ 21,000 |
| Homosassa Springs, FL | 2 | $ 210,000 | $ 105,000 | $ 18,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 200,000 | $ 100,000 | $ 39,000 |
| New Orleans-Metairie, LA | 2 | $ 350,000 | $ 175,000 | $ 8,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 2,030,000 | $ 1,015,000 | $ 34,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 1,400,000 | $ 700,000 | $ 26,000 |
| State College, PA | 2 | $ 480,000 | $ 240,000 | $ 27,000 |
| Albuquerque, NM | 1 | $ 95,000 | $ 95,000 | $ 18,000 |
| Bakersfield, CA | 1 | $ 185,000 | $ 185,000 | $ 24,000 |
| Boulder, CO | 1 | $ 165,000 | $ 165,000 | $ 64,000 |
| Champaign-Urbana, IL | 1 | $ 65,000 | $ 65,000 | $ 21,000 |
| Charleston-North Charleston, SC | 1 | $ 1,095,000 | $ 1,095,000 | $ 20,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 1,005,000 | $ 1,005,000 | $ 13,000 |
| Fort Worth-Arlington, TX | 1 | $ 395,000 | $ 395,000 | $ 60,000 |
| Jacksonville, FL | 1 | $ 45,000 | $ 45,000 | $ 25,000 |
| Killeen-Temple, TX | 1 | $ 865,000 | $ 865,000 | $ 0 |
| Lubbock, TX | 1 | $ 35,000 | $ 35,000 | $ 29,000 |
| Modesto, CA | 1 | $ 115,000 | $ 115,000 | $ 19,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 95,000 | $ 95,000 | $ 22,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 215,000 | $ 215,000 | $ 25,000 |
| Olympia-Tumwater, WA | 1 | $ 385,000 | $ 385,000 | $ 107,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 65,000 | $ 65,000 | $ 23,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 525,000 | $ 525,000 | $ 77,000 |
| Port St. Lucie, FL | 1 | $ 125,000 | $ 125,000 | $ 12,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 155,000 | $ 155,000 | $ 26,000 |
| Pueblo, CO | 1 | $ 105,000 | $ 105,000 | $ 17,000 |
| Salinas, CA | 1 | $ 345,000 | $ 345,000 | $ 36,000 |
| Salt Lake City, UT | 1 | $ 115,000 | $ 115,000 | $ 15,000 |
| San Antonio-New Braunfels, TX | 1 | $ 205,000 | $ 205,000 | $ 12,000 |
| Santa Fe, NM | 1 | $ 455,000 | $ 455,000 | $ 30,000 |
| Santa Rosa, CA | 1 | $ 555,000 | $ 555,000 | $ 41,000 |
| Tyler, TX | 1 | $ 95,000 | $ 95,000 | $ 11,000 |
| Visalia-Porterville, CA | 1 | $ 95,000 | $ 95,000 | $ 21,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 95,000 | $ 95,000 | $ 22,000 |
Mortgage Loan Application Detail Totals for Smartfi Home Loans in 2023
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 | 132 | $57,630,000 | $436,000 | $4,005,000 | $36,000 | $350,000 |
| Other Purpose | 22 | $8,370,000 | $380,000 | $2,135,000 | $21,000 | $70,000 |
| Home Improvement | 12 | $4,260,000 | $355,000 | $995,000 | $28,000 | $62,000 |
| Home Purchase | 3 | $405,000 | $135,000 | $225,000 | $30,000 | $31,000 |
| 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 | 119 | $53,115,000 | $446,000 | $4,005,000 | $31,000 | $243,000 |
| Hispanic | 19 | $5,135,000 | $270,000 | $785,000 | $23,000 | $62,000 |
| Not Provided | 17 | $5,715,000 | $336,000 | $945,000 | $54,000 | $350,000 |
| Black or African American | 12 | $5,940,000 | $495,000 | $1,645,000 | $41,000 | $107,000 |
| American Indian or Alaskan Native | 1 | $135,000 | $135,000 | $135,000 | $16,000 | $16,000 |
| Asian | 1 | $625,000 | $625,000 | $625,000 | $26,000 | $26,000 |
| 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) | 166 | $69,930,000 | $421,000 | $4,005,000 | $33,000 | $350,000 |
| FHA-insured (Federal Housing Administration) | 3 | $735,000 | $245,000 | $335,000 | $38,000 | $61,000 |
| 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 | 134 | $50,680,000 | $378,000 | $2,135,000 | $32,000 | $350,000 |
| Application Denied By Financial Institution | 20 | $5,360,000 | $268,000 | $1,095,000 | $28,000 | $64,000 |
| Application Withdrawn By Applicant | 13 | $13,345,000 | $1,026,000 | $4,005,000 | $45,000 | $243,000 |
| Application Approved But Not Accepted | 2 | $1,280,000 | $640,000 | $945,000 | $83,000 | $94,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 149 | $65,305,000 | $438,000 | $4,005,000 | $34,000 | $350,000 |
| Debt-To-Income Ratio | 5 | $1,055,000 | $211,000 | $345,000 | $32,000 | $48,000 |
| Unverifiable Information | 5 | $1,605,000 | $321,000 | $775,000 | $30,000 | $64,000 |
| Credit History | 4 | $530,000 | $132,000 | $295,000 | $17,000 | $27,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,590,000 | $397,000 | $1,095,000 | $25,000 | $39,000 |
| Other | 1 | $285,000 | $285,000 | $285,000 | $36,000 | $36,000 |
| Collateral | 1 | $295,000 | $295,000 | $295,000 | $50,000 | $50,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Smartfi Home Loans's 2023 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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