SmartFi Home Loans in Texas vs the state
31.9%Denial rate+12.42 pts vs state
37.1%Decision denial rate+12.17 pts vs state
53.3%Origination rate-1.55 pts vs state
8.98%Median rate+2.48 pts vs state
—Rate spread (pts)
$31kMedian applicant income
72Loans originated
43Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 17 | 13 | 17.7% | 9.69% | #916 |
| 2024 | 21 | 14 | 19.1% | 9.45% | #855 |
| 2025 | 135 | 72 | 31.9% | 8.98% | #497 |
What SmartFi Home Loans lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most SmartFi Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 20 | 8 | 7 | 35.0% |
| Dallas County | 14 | 7 | 5 | 35.7% |
| Tarrant County | 13 | 10 | 2 | 15.4% |
| Bexar County | 8 | 4 | 4 | 50.0% |
| Denton County | 7 | 5 | 1 | 14.3% |
| El Paso County | 6 | 3 | 2 | 33.3% |
| Travis County | 6 | 3 | 1 | 16.7% |
| Fort Bend County | 5 | 2 | 2 | 40.0% |
| Collin County | 5 | 4 | 1 | 20.0% |
| McLennan County | 2 | 2 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 135 applications in 2025, of which 72 were originated and 43 denied.
31.9% of all applications, or 37.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans SmartFi Home Loans originated in Texas 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 Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology