Smart Financial Credit Union mortgage approval rate & lending review
Smart Financial Credit Union decided 549 mortgage applications and funded 293 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Smart Financial Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Smart Financial Credit Union at a glance
Approval is 16.4 points below the 70.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 83% | 62 / 75 | 100% | $475K | 62 |
| Home improvement loans | 90% | 135 / 150 | 100% | $85K | 135 |
| Cash-out refinance | 25% | 70 / 284 | 97% | $135K | 68 |
Smart Financial Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 54% | $115K | 549 | 293 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Smart Financial Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Harris County, TX | Home improvement loans | 90% | 83 | 75 |
| Harris County, TX | Cash-out refinance | 28% | 158 | 43 |
| Montgomery County, TX | Home improvement loans | 89% | 37 | 33 |
| Fort Bend County, TX | Home improvement loans | 95% | 21 | 20 |
| Montgomery County, TX | Cash-out refinance | 22% | 72 | 15 |
| Fort Bend County, TX | Cash-out refinance | 14% | 35 | 5 |
The county markets where Smart Financial Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Smart Financial Credit Union
What is Smart Financial Credit Union's mortgage approval rate?
Smart Financial Credit Union approved 53.9% of the 549 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 16.4 points below the 70.3% national rate for the same mix of loan types.
How often do borrowers take the loan Smart Financial Credit Union offers?
Borrowers accepted 99% of the loans Smart Financial Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Smart Financial Credit Union make?
The typical cash-out refinance loan Smart Financial Credit Union made was $135K; across all loan types its typical loan ran from $85K to $475K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Smart Financial Credit Union lend?
Smart Financial Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Texas.
Can I apply to Smart Financial Credit Union directly?
Yes. Smart Financial Credit Union is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Smart Financial Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Smart Financial Credit Union treats applications, then get a rate quote from the lender.