Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Smith County, Texas
Every institution that decided a 1–4 unit mortgage application in Smith County, home to Tyler, between 2023 and 2025: 16,808 applications, 11,559 loans actually funded, across 8 kinds of borrowing.
Smith County at a glance
16,808Applications decided
2023–2025
11,559Loans funded
69% of decisions
56Census tracts
15 ZIP codes
238,014People
ACS 2023
What the data shows
Lenders approved 74.5% of home-purchase applications in Smith County, 9.5 points below the Texas rate.
The typical purchase mortgage here is $265K.
Home improvement loans is the hardest money to get here: lenders approved 57% of 1,163 applications.
Lending by loan type in Smith County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 74.5% | 10,595 | $265K | 94% | 406 |
| Home improvement loans | 57.3% | 1,163 | $75K | 94% | 86 |
| Cash-out refinance | 64.7% | 1,571 | $185K | 95% | 151 |
| Refinance | 75.2% | 1,668 | $255K | 92% | 178 |
| Investment property purchase | 86.6% | 1,213 | $195K | 95% | 180 |
| Investment cash-out refinance | 75.4% | 313 | $155K | 94% | 74 |
| Investment refinance | 75.1% | 193 | $205K | 94% | 75 |
| Investment home improvement | 76.1% | 92 | $105K | 99% | 24 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.