Lender profile · HMDA 2023–2025
Smart Financial Credit Union mortgage approval rates & lending data
Smart Financial Credit Union decided 549 mortgage applications and funded 293 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.