SmartFi Home Loans in Georgia vs the state
39.4%Denial rate+20.17 pts vs state
52.0%Decision denial rate+26.93 pts vs state
36.4%Origination rate-17.73 pts vs state
8.98%Median rate+2.36 pts vs state
—Rate spread (pts)
$28kMedian applicant income
12Loans originated
13Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 10 | 7 | 20.0% | 9.45% | #651 |
| 2025 | 33 | 12 | 39.4% | 8.98% | #512 |
What SmartFi Home Loans lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most SmartFi Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 6 | 1 | 4 | 66.7% |
| Clayton County | 4 | 2 | 2 | 50.0% |
| DeKalb County | 3 | 1 | 1 | 33.3% |
| Cherokee County | 3 | 1 | 1 | 33.3% |
| Hall County | 2 | 1 | 0 | 0.0% |
| Cobb County | 1 | 0 | 0 | 0.0% |
| Gilmer County | 1 | 1 | 0 | 0.0% |
| Whitfield County | 1 | 0 | 0 | 0.0% |
| Thomas County | 1 | 0 | 0 | 0.0% |
| Rockdale County | 1 | 1 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 33 applications in 2025, of which 12 were originated and 13 denied.
39.4% of all applications, or 52.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans SmartFi Home Loans originated in Georgia 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 Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology