What loan types does Smart Choice Mortgage offer?

Smart Choice Mortgage offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Smart Choice Mortgage offer mortgages?

Smart Choice Mortgage offers mortgages in 1 states: TX.

How competitive are Smart Choice Mortgage's mortgage rates?

Smart Choice Mortgage has an overall pricing score of 71/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Smart Choice Mortgage?

Smart Choice Mortgage is a Independent Mortgage Company headquartered in HOUSTON, TX.

Unclaimed

Smart Choice Mortgage

Independent Mortgage Company•Houston, TXHQ•Direct•Reviews near you on Google

Smart Choice Mortgage has 64 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Single State · 2 mkts

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

Smart Choice Mortgage performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+3.3 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Single State · 2 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Strong	Sound	62	96.9%	+0.031%Above	$1,478Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Sound

Volume62

Mix96.9%

Spread

+0.031%Above

Fees

$1,478Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Strong	Acceptable	62	96.9%	+0.033%Above	$1,437Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume62

Mix96.9%

Spread

+0.033%Above

Fees

$1,437Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$32 million

Pricing & Closing

Avg Rate Spread

+0.033%

vs. market APOR

Avg Net Fees

$1,437

Origination − Credits

Pullthrough Rate

80.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$512,031

Avg Borrower Income

$265,359

Avg Property Value

$781,562

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

South1

Top Metro Areas by Place Specialization Score

Austin, TXMetro

Volume 34Mix 53.12% of portfolio

64/100

Strong

San Antonio, TXMetro

Volume 21Mix 32.81% of portfolio

55/100

Sound

Top States by Place Specialization Score

TexasState

Volume 64Mix 100.00% of portfolio

62/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

Are you the owner of Smart Choice Mortgage?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.