SmartFi Home Loans in Arizona vs the state
31.9%Denial rate+15.71 pts vs state
32.4%Decision denial rate+11.98 pts vs state
66.7%Origination rate+7.19 pts vs state
8.98%Median rate+2.48 pts vs state
—Rate spread (pts)
$30kMedian applicant income
48Loans originated
23Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 7 | 0.0% | 9.69% | #569 |
| 2024 | 10 | 8 | 0.0% | 9.54% | #488 |
| 2025 | 72 | 48 | 31.9% | 8.98% | #271 |
What SmartFi Home Loans lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most SmartFi Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 51 | 34 | 16 | 31.4% |
| Pima County | 8 | 5 | 3 | 37.5% |
| Pinal County | 4 | 3 | 1 | 25.0% |
| Yavapai County | 3 | 2 | 1 | 33.3% |
| Mohave County | 2 | 1 | 1 | 50.0% |
| Gila County | 2 | 2 | 0 | 0.0% |
| Navajo County | 2 | 1 | 1 | 50.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 72 applications in 2025, of which 48 were originated and 23 denied.
31.9% of all applications, or 32.4% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans SmartFi Home Loans originated in Arizona in 2025 was 8.98%, against a statewide median of 6.50%.
About this data. Figures are SmartFi Home Loans's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology