# SmartBank

> **Canonical URL:** https://saferate.com/lenders/smartbank

> **📋 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

## Safe Rate Awards 🏆

- ⭐ **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 😀 |

### 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 |

## 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.

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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/smartbank

### How to Cite

> "SmartBank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/smartbank

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