SmartFi Home Loans in Colorado vs the state
20.7%Denial rate+5.06 pts vs state
23.5%Decision denial rate+3.87 pts vs state
67.2%Origination rate+7.22 pts vs state
8.98%Median rate+2.36 pts vs state
—Rate spread (pts)
$30kMedian applicant income
39Loans originated
12Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 9 | 0.0% | 9.69% | #497 |
| 2024 | 18 | 11 | 16.7% | 9.45% | #408 |
| 2025 | 58 | 39 | 20.7% | 8.98% | #283 |
What SmartFi Home Loans lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most SmartFi Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 9 | 8 | 0 | 0.0% |
| Adams County | 8 | 4 | 3 | 37.5% |
| El Paso County | 7 | 7 | 0 | 0.0% |
| Douglas County | 5 | 2 | 2 | 40.0% |
| Arapahoe County | 5 | 4 | 0 | 0.0% |
| Denver County | 4 | 1 | 3 | 75.0% |
| Larimer County | 3 | 2 | 0 | 0.0% |
| Mesa County | 2 | 1 | 1 | 50.0% |
| La Plata County | 2 | 1 | 0 | 0.0% |
| Fremont County | 2 | 2 | 0 | 0.0% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| ENT Credit Union | B | 13,238 | 20.9% | 7.50% |
| Rocket Mortgage | C | 11,486 | 15.7% | 6.61% |
| Guild Mortgage | A | 6,232 | 3.1% | 6.62% |
| Bellco Credit Union | F | 5,863 | 40.9% | 8.00% |
| U.S. Bank | D | 4,978 | 36.0% | 7.95% |
| American Financing | D | 4,937 | 41.3% | 6.38% |
| FirstBank | C | 4,929 | 15.6% | 7.00% |
| Canvas Credit Union | C | 4,889 | 13.7% | 7.89% |
| Elevations | C | 4,426 | 10.8% | 6.88% |
Frequently asked questions
Colorado: 58 applications in 2025, of which 39 were originated and 12 denied.
20.7% of all applications, or 23.5% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans SmartFi Home Loans originated in Colorado in 2025 was 8.98%, against a statewide median of 6.63%.
About this data. Figures are SmartFi Home Loans's own HMDA filing for properties located in Colorado, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology