SmartFi Home Loans, LLC
SmartFi Home Loans, LLC received 1,644 applications in 2025 and made 1,116 mortgages, in 377 counties across 35 states. The median rate its borrowers got was 8.980% on a median loan of $225,000. Of 1,483 decisions, 357 were denials — 24.1%, most often for insufficient cash.
| Legal Entity Identifier | 254900BMXWPEHXG4LF21 |
|---|---|
| Applications received | 1,644 |
| Mortgages made | 1,116 |
| Denied | 357 |
| Approved, not taken up | 10 |
| Withdrawn or incomplete | 161 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 66 | 8.980% | $195,000 | 10.8% |
| Refinancing | 794 | 8.980% | $235,000 | 26.1% |
| Other purposes | 256 | 8.980% | $195,000 | 20.3% |
Where SmartFi Home Loans, LLC lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Los Angeles County, CA | 102 | 8.980% | 21.5% |
| Miami-Dade County, FL | 62 | 8.990% | 22.2% |
| Broward County, FL | 41 | 8.990% | 30.0% |
| San Diego County, CA | 40 | 8.980% | 16.7% |
| Riverside County, CA | 36 | 7.990% | 16.3% |
| Palm Beach County, FL | 35 | 8.990% | 24.5% |
| Maricopa County, AZ | 34 | 8.980% | 32.0% |
| Orange County, CA | 32 | 8.990% | 8.6% |
| Pinellas County, FL | 27 | 8.980% | 12.9% |
| San Bernardino County, CA | 24 | 8.990% | 29.4% |
| Contra Costa County, CA | 21 | 8.990% | 12.5% |
| King County, WA | 17 | 8.980% | 0.0% |
| Santa Clara County, CA | 16 | 8.990% | 5.9% |
| Alameda County, CA | 13 | 8.990% | 18.8% |
| Hillsborough County, FL | 11 | 8.990% | 21.4% |
| Sarasota County, FL | 11 | 8.990% | 21.4% |
| Lee County, FL | 10 | 8.985% | 16.7% |
| Tarrant County, TX | 10 | 7.740% | 15.4% |
| Sacramento County, CA | 9 | Under 10 loans | 18.2% |
| San Mateo County, CA | 8 | Under 10 loans | 0.0% |
| Jefferson County, CO | 8 | Under 10 loans | 0.0% |
| Harris County, TX | 8 | Under 10 loans | 46.7% |
| Ventura County, CA | 7 | Under 10 loans | 36.4% |
| El Paso County, CO | 7 | Under 10 loans | 0.0% |
| Brevard County, FL | 7 | Under 10 loans | 11.1% |
| Charlotte County, FL | 7 | Under 10 loans | 30.0% |
| Sumter County, FL | 7 | Under 10 loans | 0.0% |
| Bernalillo County, NM | 7 | Under 10 loans | 12.5% |
| Delaware County, PA | 7 | Under 10 loans | 12.5% |
| Dallas County, TX | 7 | Under 10 loans | 41.7% |
| Pierce County, WA | 7 | Under 10 loans | 12.5% |
| Snohomish County, WA | 7 | Under 10 loans | 30.0% |
| Kern County, CA | 6 | Under 10 loans | 25.0% |
| Collier County, FL | 6 | Under 10 loans | 25.0% |
| Manatee County, FL | 6 | Under 10 loans | 25.0% |
| Orange County, FL | 6 | Under 10 loans | 25.0% |
| Pasco County, FL | 6 | Under 10 loans | 14.3% |
| Seminole County, FL | 6 | Under 10 loans | 0.0% |
| Volusia County, FL | 6 | Under 10 loans | 33.3% |
| Cook County, IL | 6 | Under 10 loans | 0.0% |
| Pima County, AZ | 5 | Under 10 loans | 37.5% |
| El Dorado County, CA | 5 | Under 10 loans | 16.7% |
| San Joaquin County, CA | 5 | Under 10 loans | 16.7% |
| Marion County, FL | 5 | Under 10 loans | 28.6% |
| Polk County, FL | 5 | Under 10 loans | 37.5% |
| St. Lucie County, FL | 5 | Under 10 loans | 0.0% |
| Deschutes County, OR | 5 | Under 10 loans | 28.6% |
| Denton County, TX | 5 | Under 10 loans | 16.7% |
| Clark County, WA | 5 | Under 10 loans | 33.3% |
| Adams County, CO | 4 | Under 10 loans | 42.9% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.