# SMART FINANCIAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/smart-financial-credit-union

> **📋 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 FINANCIAL CREDIT UNION is a credit union, headquartered in Houston, TX, with 51 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 6% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 75% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300Z54IIB4Q3AKI90
- **Headquarters:** Houston, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 97.6%
- **Brokered/Wholesale:** 2.4%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 94/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 25/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.260%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $280
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 51
- **Dollar Volume:** $19 million
- **Applications Received:** 124
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $375,980
- **Average Borrower Income:** $199,431

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 21/100 | 45 | -0.238% | $252 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 24 loans, Score: 18/100 (Mediocre)
- Refinance: 21 loans, Score: 33/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 21/100 | 30 | $15M | -0.654% | Acceptable 🙂 |
| Refinance | 32/100 | 21 | $4M | +0.190% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 51 | 0.01% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Houston | TX | 49 | 65/100 |

## Frequently Asked Questions

### What loan types does SMART FINANCIAL CREDIT UNION offer?

SMART FINANCIAL CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SMART FINANCIAL CREDIT UNION offer mortgages?

SMART FINANCIAL CREDIT UNION offers mortgages in 1 states: TX.

### How competitive are SMART FINANCIAL CREDIT UNION's mortgage rates?

SMART FINANCIAL CREDIT UNION has a pricing score of 94/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.260% below market average.

### What type of lender is SMART FINANCIAL CREDIT UNION?

SMART FINANCIAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Houston, TX.

### What is SMART FINANCIAL CREDIT UNION's loan approval success rate?

SMART FINANCIAL CREDIT UNION has a pull-through score of 25/100 (Acceptable). 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/smart-financial-credit-union

### How to Cite

> "SMART FINANCIAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/smart-financial-credit-union

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