# SmartBank > **Canonical URL:** https://saferate.com/lenders/smartbank > **πŸ“‹ 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 SmartBank is a bank, headquartered in Pigeon Forge, TN, serving borrowers across 8 states, with 346 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 42% of lenders for competitive rates - **Approval Rate:** Ranks in the top 54% for loan approval success ## Overview - **Institution Type:** Bank - **LEI (Legal Entity Identifier):** 549300GZY55UGMUMI322 - **Headquarters:** Pigeon Forge, TN - **Geographic Reach:** Multi-Region - **States Served:** 8 - **State List:** AL, FL, GA, MS, OK, SC, TN, WV - **Markets (MSAs):** 7 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 100% - **Brokered/Wholesale:** 0% ## Safe Rate Ratings ### Pricing: Sound ☺️ - Score: 58/100 - Rating: ●●●○○ (3/5) ### Pull Through: Sound ☺️ - Score: 46/100 - Rating: ●●●○○ (3/5) ### Pricing Details - **Average Rate Spread:** +0.234% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $1,270 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 346 - **Dollar Volume:** $143 million - **Applications Received:** 550 - **Market Share:** 1.00% ## Typical Borrower Profile - **Average Loan Amount:** $413,295 - **Average Borrower Income:** $259,699 - **Average Property Value:** $568,526 ## Safe Rate Awards πŸ† - ⭐ **FHA Gold Superstar** (65%) ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 59/100 | 250 | +0.245% | $1,395 | Sound ☺️ | | FHA | 57/100 | 45 | +0.148% | $1,111 | Sound ☺️ | | Jumbo | 72/100 | 35 | +0.613% | $982 | Strong πŸ˜€ | ### Product Performance by Purpose **Conventional:** - Purchase: 201 loans, Score: 56/100 (Sound) - Refinance: 49 loans, Score: 46/100 (Sound) **FHA:** - Purchase: 38 loans, Score: 56/100 (Sound) **Jumbo:** - Purchase: 31 loans, Score: 72/100 (Strong) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 58/100 | 285 | $125M | +0.231% | Sound ☺️ | | Refinance | 50/100 | 61 | $18M | +0.246% | Sound ☺️ | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | TN | 245 | 0.27% | 78/100 | | AL | 62 | 0.10% | 64/100 | | FL | 26 | 0.01% | 45/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Non | | 93 | 55/100 | | Chattanooga, TN | TN-GA | 63 | 74/100 | | Knoxville, TN | TN | 49 | 62/100 | | Cleveland, TN | TN | 29 | 72/100 | | Nashville | TN | 21 | 51/100 | | Tuscaloosa, AL | AL | 17 | 51/100 | | Panama City | FL | 13 | 49/100 | ## Where This Lender Ranks SmartBank appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ₯‡ **#1** in Tuscaloosa, AL for Jumbo Loans - [View Full Rankings](https://saferate.com/tuscaloosa-al/best-mortgage-lenders/jumbo-loans) - πŸ₯‡ **#1** in Tuscaloosa, AL for Jumbo Loans (Banks) - [View Full Rankings](https://saferate.com/tuscaloosa-al/best-mortgage-lenders/banks/jumbo-loans) - πŸ† **#5** in Chattanooga, TN for Jumbo Loans (Banks) - [View Full Rankings](https://saferate.com/chattanooga-tn/best-mortgage-lenders/banks/jumbo-loans) - πŸ† **#6** in Chattanooga, TN for Jumbo Loans - [View Full Rankings](https://saferate.com/chattanooga-tn/best-mortgage-lenders/jumbo-loans) - πŸ† **#6** in Cleveland, TN Banks - [View Full Rankings](https://saferate.com/cleveland-tn/best-mortgage-lenders/banks) - πŸ† **#7** in Chattanooga, TN for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/chattanooga-tn/best-mortgage-lenders/banks/fha-loans) - πŸ† **#7** in Panama City for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/panama-city/best-mortgage-lenders/banks/fha-loans) - πŸ† **#9** in Knoxville, TN for Jumbo Loans (Banks) - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/banks/jumbo-loans) - πŸ† **#10** in Cleveland, TN for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/cleveland-tn/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#11** in Knoxville, TN for Jumbo Loans - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/jumbo-loans) - πŸ† **#11** in Tuscaloosa, AL for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/tuscaloosa-al/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#12** in Tennessee for USDA Loans (Banks) - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/banks/usda-loans) - πŸ† **#13** in Tennessee for Jumbo Loans (Banks) - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/banks/jumbo-loans) - πŸ† **#13** in Panama City for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/panama-city/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#14** in Cleveland, TN - [View Full Rankings](https://saferate.com/cleveland-tn/best-mortgage-lenders) - πŸ† **#15** in Chattanooga, TN Banks - [View Full Rankings](https://saferate.com/chattanooga-tn/best-mortgage-lenders/banks) - πŸ† **#15** in Knoxville, TN Banks - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/banks) - πŸ† **#16** in Chattanooga, TN for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/chattanooga-tn/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#18** in Panama City for FHA Loans - [View Full Rankings](https://saferate.com/panama-city/best-mortgage-lenders/fha-loans) - πŸ† **#19** in Knoxville, TN for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/banks/conventional-loans) ## Frequently Asked Questions ### What loan types does SmartBank offer? SmartBank offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does SmartBank offer mortgages? SmartBank offers mortgages in 8 states: AL, FL, GA, MS, OK, SC, TN, WV. ### How competitive are SmartBank's mortgage rates? SmartBank has a pricing score of 58/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.234% above market average. ### What type of lender is SmartBank? SmartBank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Pigeon Forge, TN. ### What is SmartBank's loan approval success rate? SmartBank has a pull-through score of 46/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process. --- ## 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/smartbank ### How to Cite > "SmartBank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/smartbank --- **[View Interactive Profile β†’](https://saferate.com/lenders/smartbank)**