SmartFi Home Loans in Michigan vs the state
17.1%Denial rate-1.38 pts vs state
17.7%Decision denial rate-4.93 pts vs state
77.1%Origination rate+17.25 pts vs state
8.99%Median rate+2.24 pts vs state
—Rate spread (pts)
$30kMedian applicant income
27Loans originated
6Denied
What SmartFi Home Loans lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most SmartFi Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 5 | 3 | 2 | 40.0% |
| Kent County | 3 | 2 | 1 | 33.3% |
| Grand Traverse County | 3 | 3 | 0 | 0.0% |
| Oakland County | 3 | 2 | 0 | 0.0% |
| Macomb County | 2 | 2 | 0 | 0.0% |
| Livingston County | 2 | 2 | 0 | 0.0% |
| St. Clair County | 2 | 2 | 0 | 0.0% |
| Genesee County | 2 | 1 | 1 | 50.0% |
| Charlevoix County | 1 | 0 | 0 | 0.0% |
| Sanilac County | 1 | 1 | 0 | 0.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 35 applications in 2025, of which 27 were originated and 6 denied.
17.1% of all applications, or 17.7% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans SmartFi Home Loans originated in Michigan in 2025 was 8.99%, against a statewide median of 6.75%.
About this data. Figures are SmartFi Home Loans's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology