Smart Financial Credit Union in Texas vs the state
34.9%Denial rate+15.43 pts vs state
41.1%Decision denial rate+16.18 pts vs state
48.4%Origination rate-6.50 pts vs state
6.50%Median rate0.00 pts vs state
0.34Rate spread (pts)+0.15 pts vs state
$123kMedian applicant income
179Loans originated
129Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 534 | 173 | 41.6% | 6.00% | #243 |
| 2024 | 386 | 197 | 31.6% | 6.99% | #285 |
| 2025 | 370 | 179 | 34.9% | 6.50% | #312 |
What Smart Financial Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Smart Financial Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 181 | 90 | 61 | 33.7% |
| Montgomery County | 93 | 41 | 39 | 41.9% |
| Fort Bend County | 48 | 19 | 19 | 39.6% |
| Brazoria County | 20 | 10 | 4 | 20.0% |
| Waller County | 4 | 2 | 1 | 25.0% |
| Galveston County | 4 | 2 | 1 | 25.0% |
| Travis County | 4 | 3 | 0 | 0.0% |
| Liberty County | 3 | 2 | 1 | 33.3% |
| Walker County | 2 | 2 | 0 | 0.0% |
| Wharton County | 2 | 2 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 370 applications in 2025, of which 179 were originated and 129 denied.
34.9% of all applications, or 41.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Smart Financial Credit Union originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Smart Financial Credit Union's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology