Smartfi Home Loans, Llc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Smartfi Home Loans, Llc 2023 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Smartfi Home Loans, Llc 1113 Medina Rd Suite 400 Columbus, OH 44256 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 |
| Total Number of Mortgage Applications | 169 |
| Total Mortgage Loan Application Amount | $70,665,000 |
| Average Mortgage Loan Application Amount | $326,500 |
| Highest Mortgage Loan Application Amount | $4,005,000 |
| Average Applicant Income | $28,750 |
| Highest Applicant Income | $350,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 with Smartfi Home Loans, Llc. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Smartfi Home Loans, Llc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2023 breaks down Smartfi Home Loans, Llc's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Smartfi Home Loans, Llc serves its applicants.
Each category highlights the total number of mortgage applications processed by Smartfi Home Loans, Llc, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Smartfi Home Loans, Llc's mortgage activity for 2023.
| 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 | $ 427,000 | $ 29,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 11 | $ 2,045,000 | $ 185,000 | $ 29,000 |
| WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL | 11 | $ 8,625,000 | $ 784,000 | $ 44,000 |
| OAKLAND-HAYWARD-BERKELEY, CA | 9 | $ 5,915,000 | $ 657,000 | $ 65,000 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 8 | $ 4,120,000 | $ 515,000 | $ 29,000 |
| SAN DIEGO-CARLSBAD, CA | 8 | $ 4,900,000 | $ 612,000 | $ 29,000 |
| ANAHEIM-SANTA ANA-IRVINE, CA | 7 | $ 4,155,000 | $ 593,000 | $ 48,000 |
| DENVER-AURORA-LAKEWOOD, CO | 7 | $ 2,365,000 | $ 337,000 | $ 25,000 |
| NA (OUTSIDE OF MSA/MD) | 7 | $ 5,285,000 | $ 792,000 | $ 46,200 |
| 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 | $ 427,000 | $ 28,000 |
| CHICAGO-NAPERVILLE, IL | 4 | $ 920,000 | $ 230,000 | $ 32,000 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 4 | $ 430,000 | $ 107,000 | $ 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 | $ 328,000 | $ 22,000 |
| NEW YORK-NEWARK, NY | 3 | $ 295,000 | $ 98,000 | $ 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 | $ 351,000 | $ 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, Llc 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, Llc'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, Llc'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 Ohio, download the full spreadsheet
with aggregated HMDA statistics today.