SMART FINANCIAL CREDIT UNION
SMART FINANCIAL CREDIT UNION received 370 applications in 2025 and made 179 mortgages, in 17 counties across 1 state. The median rate its borrowers got was 6.500% on a median loan of $125,000. Of 314 decisions, 129 were denials — 41.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300Z54IIB4Q3AKI90 |
|---|---|
| Applications received | 370 |
| Mortgages made | 179 |
| Denied | 129 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 56 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.34 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 35 | 4.865% | $385,000 | 10.0% |
| Refinancing | 14 | 4.740% | $440,000 | 22.2% |
| Cash-out refinancing | 23 | 6.250% | $145,000 | 81.3% |
| Other purposes | 107 | 6.990% | $75,000 | 9.8% |
Where SMART FINANCIAL CREDIT UNION lends most
The 17 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Harris County, TX | 90 | 6.500% | 39.4% |
| Montgomery County, TX | 41 | 6.000% | 48.2% |
| Fort Bend County, TX | 19 | 6.750% | 48.7% |
| Brazoria County, TX | 10 | 6.495% | 28.6% |
| Travis County, TX | 3 | Under 10 loans | 0.0% |
| Galveston County, TX | 2 | Under 10 loans | 33.3% |
| Liberty County, TX | 2 | Under 10 loans | 33.3% |
| Matagorda County, TX | 2 | Under 10 loans | 0.0% |
| Walker County, TX | 2 | Under 10 loans | 0.0% |
| Waller County, TX | 2 | Under 10 loans | 33.3% |
| Wharton County, TX | 2 | Under 10 loans | 0.0% |
| Brazos County, TX | 1 | Under 10 loans | 0.0% |
| Comal County, TX | 1 | Under 10 loans | 0.0% |
| Dallas County, TX | 1 | Under 10 loans | 0.0% |
| San Jacinto County, TX | 1 | Under 10 loans | 0.0% |
| Colorado County, TX | 0 | Under 10 loans | 100.0% |
| Jefferson County, TX | 0 | Under 10 loans | 100.0% |
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When SMART FINANCIAL CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.