SmartFi Home Loans in Washington vs the state
17.6%Denial rate+1.93 pts vs state
20.3%Decision denial rate+0.71 pts vs state
68.1%Origination rate+7.07 pts vs state
7.87%Median rate+1.24 pts vs state
—Rate spread (pts)
$34kMedian applicant income
62Loans originated
16Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 8 | 11.1% | 9.69% | #468 |
| 2024 | 18 | 13 | 11.1% | 9.69% | #390 |
| 2025 | 91 | 62 | 17.6% | 7.87% | #246 |
What SmartFi Home Loans lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most SmartFi Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 22 | 17 | 0 | 0.0% |
| Pierce County | 11 | 7 | 1 | 9.1% |
| Clark County | 10 | 5 | 3 | 30.0% |
| Snohomish County | 10 | 7 | 3 | 30.0% |
| Benton County | 6 | 3 | 3 | 50.0% |
| Kitsap County | 5 | 4 | 1 | 20.0% |
| Lewis County | 5 | 3 | 1 | 20.0% |
| Spokane County | 3 | 3 | 0 | 0.0% |
| Jefferson County | 2 | 1 | 1 | 50.0% |
| Pacific County | 2 | 2 | 0 | 0.0% |
Other large lenders in Washington
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Boeing Employees Credit Union | B | 21,599 | 23.8% | 6.13% |
| Rocket Mortgage | C | 14,301 | 15.9% | 6.63% |
| United Shore Financial Services | B | 13,770 | 10.0% | 6.13% |
| Guild Mortgage | A | 8,056 | 3.4% | 6.63% |
| CMG Mortgage | A | 7,817 | 3.1% | 6.63% |
| Movement Mortgage | A | 7,472 | 3.6% | 6.63% |
| Bank of America | F | 6,986 | 27.0% | 5.99% |
| Crosscountry Mortgage | B | 6,903 | 3.1% | 6.63% |
| U.S. Bank | D | 6,568 | 27.6% | 6.63% |
| Newrez | D | 5,849 | 12.9% | 6.63% |
Frequently asked questions
Washington: 91 applications in 2025, of which 62 were originated and 16 denied.
17.6% of all applications, or 20.3% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans SmartFi Home Loans originated in Washington in 2025 was 7.87%, against a statewide median of 6.63%.
About this data. Figures are SmartFi Home Loans's own HMDA filing for properties located in Washington, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology