Investment property cash-out lenders in Smith County, Texas
Fat Boy Data analyzed investment cash-out refinance activity in Smith County, Texas, home to Tyler, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 313 applications were decided by 74 lenders between 2023 and 2025.
Smith County at a glance
How Smith County compares
What the data shows
ALTRA Federal Credit Union made the most investment cash-out refinances in Smith County, TX, 60 of them.
That is 27% of every investment cash-out refinance originated here, so this market is unusually concentrated in one lender.
ALTRA Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 91% of 66.
The typical investment cash-out refinance here is $155K, 16% smaller than the Texas typical of $185K.
Investment property cash-out lenders in Smith County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | ALTRA Federal Credit Union | 91% | 60 / 66 | 100% | $155K | 60 |
| 2 | United Wholesale Mortgage, LLCBroker only | 56% | 9 / 16 | 100% | $145K | 9 |
| 3 | Homexpress Mortgage Corp.Broker only | 47% | 7 / 15 | 100% | $155K | 7 |
| 4 | Texas National Bank of JacksonvilleLimited sample | 100% | 13 / 13 | 100% | $155K | 13 |
| 5 | Bpl Mortgage, LLCLimited sample | 92% | 12 / 13 | 75% | $175K | 9 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 69 more lenders.
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You are seeing the 5 largest investment cash-out refinance lenders in Smith County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
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