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Smart Loans LLC
Smart Loans LLC is a mortgage broker: it arranges loans through other companies’ money and does not fund the loan itself (Fla. Stat. 494.001(23); CFPB: “a broker does not lend money”). It has 1 licensed Florida office: Westlake.
| Kind | Mortgage broker |
| License or charter | Florida mortgage broker (Chapter 494), status Approved |
| NMLS id | 2639440 (company) |
| Florida offices | Westlake |
| Counties | Palm Beach |
| Website | SmartLoans.us |
Loan types Smart Loans LLC lists
Read from the firm’s own website on October 15, 2026. Lender-stated, not verified by LendResearch. Each links to the other Florida firms offering it.
- Bank statement loans
- DACA and visa holder mortgages
- DSCR loans
- FHA loans
- HELOCs
- ITIN mortgages
- Jumbo loans
- VA loans
Smart Loans LLC offices in Florida
| City | Address | Phone | Record |
|---|---|---|---|
| Westlake | 4826 N Longwood Lake Square, 714 33470 | (561) 335-4095 | Principal office |
As of October 15, 2026Source: Florida OFR office and branch records. Addresses are as filed; call before visiting.
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Palm Beach County at a glance
| Mortgage applications filed in 2025 | 63,748 |
| Loans originated | 28,383 |
| Denial rate | 20% |
| FHA share of originations | 12% |
| VA share | 3% |
| Investor and second home share | 15% |
| Dollar volume originated | $14,377,195,000 |
| 2026 conforming loan limit, 1 unit | $832,750 |
| 2026 FHA loan limit, 1 unit | $667,000 |
As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Palm Beach County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.