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SmartBank

Bank•Pigeon Forge, TNHQ•Direct•Reviews near you on Google

SmartBank has 346 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 6 mkts
Safe Rate Awards
FHA Superstar
FHA
Superstar

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Report Card

SmartBank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+23.4 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume250
Mix72.3%
Spread
+0.245%Above
Fees
$1,395Fees
FHA Loans
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume45
Mix13.0%
Spread
+0.148%Above
Fees
$1,111Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume35
Mix10.1%
Spread
+0.613%Above
Fees
$982Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume285
Mix82.4%
Spread
+0.231%Above
Fees
$1,351Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume61
Mix17.6%
Spread
+0.246%Above
Fees
$960Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
346
Applications
550
Volume
$143 million
Pricing & Closing
Avg Rate Spread
+0.234%
vs. market APOR
Avg Net Fees
$1,270
Origination − Credits
Pullthrough Rate
62.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$413,295
Avg Borrower Income
$259,699
Avg Property Value
$568,526

Geographic Coverage

Geographic Performance

Metro Areas
6
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

8
8 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South8
ALFLGAMSOKSCTNWV

Top Metro Areas by Place Specialization Score

1© James Pressley · CC BY-SA 3.0
Chattanooga, TN, TN-GAMetro
Volume 63Mix 18.21% of portfolio
74/100
Strong
2© Warren LeMay from Cincinnati, OH, United States · CC0
Cleveland, TNMetro
Volume 29Mix 8.38% of portfolio
72/100
Strong
3© Nathan C. Fortner (User:Nfutvol at en.wikipedia) · CC BY-SA 3.0
Knoxville, TNMetro
Volume 49Mix 14.16% of portfolio
62/100
Strong
4© Dough4872 · Public domain
Tuscaloosa, ALMetro
Volume 17Mix 4.91% of portfolio
51/100
Sound
5© Quintin Soloviev · CC BY 4.0
Nashville, TNMetro
Volume 21Mix 6.07% of portfolio
51/100
Sound
6© Balon Greyjoy · CC0
Panama City, FLMetro
Volume 13Mix 3.76% of portfolio
49/100
Sound

Top States by Place Specialization Score

Tennessee
Tennessee
1
TennesseeState
Volume 245Mix 70.81% of portfolio
78/100
Strong
Alabama
Alabama
2
AlabamaState
Volume 62Mix 17.92% of portfolio
64/100
Strong
Florida
Florida
3
FloridaState
Volume 26Mix 7.51% of portfolio
45/100
Sound

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.

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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.