# SMART CHOICE MORTGAGE, A Texas Limited Liability Company

> **Canonical URL:** https://saferate.com/lenders/smart-choice-mortgage-a-texas-limited-liability


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


SMART CHOICE MORTGAGE, A Texas Limited Liability Company is a independent mortgage company, headquartered in HOUSTON, TX, with 64 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 29% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 57% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300PZATEYE8VIEN67
- **Headquarters:** HOUSTON, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 96.2%
- **Brokered/Wholesale:** 3.8%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.033%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,437
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 64
- **Dollar Volume:** $33 million
- **Applications Received:** 80
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $512,031
- **Average Borrower Income:** $265,359
- **Average Property Value:** $781,562

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 26/100 | 62 | +0.031% | $1,478 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 60 loans, Score: 29/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 29/100 | 62 | $32M | +0.033% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 64 | 0.02% | 62/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Austin | TX | 34 | 64/100 |
| San Antonio | TX | 21 | 55/100 |

## Frequently Asked Questions

### What loan types does SMART CHOICE MORTGAGE, A Texas Limited Liability Company offer?

SMART CHOICE MORTGAGE, A Texas Limited Liability Company offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SMART CHOICE MORTGAGE, A Texas Limited Liability Company offer mortgages?

SMART CHOICE MORTGAGE, A Texas Limited Liability Company offers mortgages in 1 states: TX.

### How competitive are SMART CHOICE MORTGAGE, A Texas Limited Liability Company's mortgage rates?

SMART CHOICE MORTGAGE, A Texas Limited Liability Company has a pricing score of 71/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.033% above market average.

### What type of lender is SMART CHOICE MORTGAGE, A Texas Limited Liability Company?

SMART CHOICE MORTGAGE, A Texas Limited Liability Company is a non-depository lender that specializes in mortgage origination, headquartered in HOUSTON, TX.

### What is SMART CHOICE MORTGAGE, A Texas Limited Liability Company's loan approval success rate?

SMART CHOICE MORTGAGE, A Texas Limited Liability Company has a pull-through score of 43/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/smart-choice-mortgage-a-texas-limited-liability

### How to Cite

> "SMART CHOICE MORTGAGE, A Texas Limited Liability Company Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/smart-choice-mortgage-a-texas-limited-liability

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