Tjc Mortgage Rates, Fees & Info

BIRMINGHAM, AL

LEI: 54930021DZJ9CEN11D61

Tax ID: 75-3197409

5 stars - out of 5 stars, based on 90 reviews

2020 Data | 2019 Data | 2018 Data


Overview

Tjc Mortgage is a small mortgage company specializing in Refi and Home Purchase loans. Tjc Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Atlanta, Seattle, Birmingham, Chattanooga, and Washington among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Tjc Mortgage is typically an average fee lendor.


Originations

8,165

Origination Dollar Volume (All Markets)

$2,384,535,000
Show all (56) awards

Relative Rate

Tjc Mortgage 's average 30 year fixed rate mortgage of loans were 3.05%.

The 2020 average 30 year fixed rate mortgage across all markets of loans were 3.36%.

This yields a difference of -0.31%.

Relative Fees

Tjc Mortgage 's average total fees for a 30 year fixed rate mortgage are $5,079.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 748 $214,290,000 $286,484 $4,898 3.11%
SEATTLE-BELLEVUE-KENT, WA (FHA|USDA|VA) 434 $168,750,000 $388,825 $4,453 3.07%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 662 $159,570,000 $241,042 $4,136 3.16%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 742 $151,110,000 $203,652 $4,989 3.23%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV (FHA|USDA|VA) 334 $145,140,000 $434,551 $5,810 2.74%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 429 $118,475,000 $276,166 $4,385 3.19%
Outside of Metro Areas 518 $115,840,000 $223,629 $4,798 3.13%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 329 $104,795,000 $318,526 $4,975 2.95%
BOSTON, MA (FHA|USDA|VA) 205 $84,115,000 $410,317 $5,474 3.27%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD (FHA|USDA|VA) 188 $66,170,000 $351,968 $4,501 3.03%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 197 $55,495,000 $281,701 $5,449 2.90%
HUNTSVILLE, AL (FHA|USDA|VA) 235 $51,665,000 $219,851 $4,838 3.20%
TACOMA-LAKEWOOD, WA (FHA|USDA|VA) 146 $47,900,000 $328,082 $6,337 3.00%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 123 $40,955,000 $332,967 $4,788 2.63%
KNOXVILLE, TN (FHA|USDA|VA) 168 $37,800,000 $225,000 $5,166 3.19%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 113 $36,985,000 $327,301 $5,881 3.00%
LAFAYETTE, LA (FHA|USDA|VA) 144 $34,510,000 $239,653 $4,861 3.04%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 92 $31,920,000 $346,957 $4,941 2.99%
CLEVELAND, TN (FHA|USDA|VA) 141 $28,305,000 $200,745 $5,503 3.21%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 75 $26,905,000 $358,733 $5,462 2.63%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 93 $26,885,000 $289,086 $2,975 2.80%
DALLAS-PLANO-IRVING, TX (FHA|USDA|VA) 58 $21,630,000 $372,931 $5,900 2.67%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 64 $21,380,000 $334,063 $5,779 2.93%
NORTH PORT-SARASOTA-BRADENTON, FL (FHA|USDA|VA) 67 $19,995,000 $298,433 $5,474 2.96%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 56 $19,600,000 $350,000 $6,128 2.71%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 54 $16,940,000 $313,704 $5,153 2.80%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 35 $15,135,000 $432,429 $7,040 2.91%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 42 $14,620,000 $348,095 $5,475 2.84%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 36 $14,490,000 $402,500 $6,452 2.68%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 46 $14,280,000 $310,435 $4,580 2.82%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL (FHA|USDA|VA) 39 $13,945,000 $357,564 $6,397 3.18%
JACKSONVILLE, FL (FHA|USDA|VA) 45 $13,575,000 $301,667 $4,824 2.88%
RALEIGH-CARY, NC (FHA|USDA|VA) 39 $13,315,000 $341,410 $4,595 2.73%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 37 $12,425,000 $335,811 $5,359 2.82%
COLORADO SPRINGS, CO (FHA|USDA|VA) 36 $12,420,000 $345,000 $4,846 2.66%
PUNTA GORDA, FL (FHA|USDA|VA) 59 $12,305,000 $208,559 $4,573 2.96%
FORT WORTH-ARLINGTON-GRAPEVINE, TX (FHA|USDA|VA) 38 $12,210,000 $321,316 $5,921 2.70%
ANAHEIM-SANTA ANA-IRVINE, CA (FHA|USDA|VA) 25 $10,935,000 $437,400 $4,901 2.97%
RICHMOND, VA (FHA|USDA|VA) 32 $10,750,000 $335,938 $4,945 2.57%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 29 $10,425,000 $359,483 $5,429 2.72%
TUSCALOOSA, AL (FHA|USDA|VA) 43 $9,865,000 $229,419 $5,373 3.53%
DALTON, GA (FHA|USDA|VA) 53 $9,655,000 $182,170 $5,137 3.17%
LOS ANGELES-LONG BEACH-GLENDALE, CA (FHA|USDA|VA) 23 $9,595,000 $417,174 $7,275 2.78%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 45 $9,175,000 $203,889 $5,107 3.35%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 32 $9,090,000 $284,063 $4,523 3.07%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 25 $9,015,000 $360,600 $6,591 2.68%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL (FHA|USDA|VA) 26 $8,430,000 $324,231 $5,392 3.17%
OAKLAND-BERKELEY-LIVERMORE, CA (FHA|USDA|VA) 13 $6,575,000 $505,769 $7,726 2.86%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 18 $6,530,000 $362,778 $3,719 2.68%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 21 $6,435,000 $306,429 $5,426 2.80%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA (FHA|USDA|VA) 16 $6,390,000 $399,375 $5,087 3.18%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 24 $5,850,000 $243,750 $4,944 3.05%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 18 $5,680,000 $315,556 $5,000 2.90%
FAYETTEVILLE, NC (FHA|USDA|VA) 18 $5,560,000 $308,889 $4,102 2.63%
CHICAGO-NAPERVILLE-EVANSTON, IL (FHA|USDA|VA) 14 $5,260,000 $375,714 $4,870 2.66%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 15 $5,215,000 $347,667 $4,645 2.79%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 17 $4,985,000 $293,235 $4,451 2.79%
SALEM, OR (FHA|USDA|VA) 14 $4,850,000 $346,429 $6,252 2.70%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 8 $4,800,000 $600,000 $7,961 2.98%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 15 $4,305,000 $287,000 $3,933 2.71%
COLUMBIA, SC (FHA|USDA|VA) 15 $4,125,000 $275,000 $5,520 3.18%
MIAMI-MIAMI BEACH-KENDALL, FL (FHA|USDA|VA) 13 $4,115,000 $316,538 $6,122 3.17%
SAVANNAH, GA (FHA|USDA|VA) 14 $4,110,000 $293,571 $5,335 2.79%
ASHEVILLE, NC (FHA|USDA|VA) 9 $4,105,000 $456,111 $4,414 2.58%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 14 $4,080,000 $291,429 $5,999 2.79%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 14 $4,060,000 $290,000 $3,898 2.86%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 11 $3,925,000 $356,818 $5,441 2.63%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 11 $3,875,000 $352,273 $3,878 2.93%
BELLINGHAM, WA (FHA|USDA|VA) 10 $3,850,000 $385,000 $5,489 2.80%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 15 $3,845,000 $256,333 $3,695 3.28%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 14 $3,840,000 $274,286 $4,618 2.90%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 12 $3,560,000 $296,667 $3,754 2.69%
WENATCHEE, WA (FHA|USDA|VA) 11 $3,435,000 $312,273 $4,041 3.06%
WARREN-TROY-FARMINGTON HILLS, MI (FHA|USDA|VA) 11 $3,375,000 $306,818 $3,499 2.85%
GADSDEN, AL (FHA|USDA|VA) 19 $3,355,000 $176,579 $4,860 3.14%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA (FHA|USDA|VA) 5 $3,245,000 $649,000 $8,948 2.55%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 15 $3,235,000 $215,667 $4,709 3.10%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 8 $3,210,000 $401,250 $5,564 2.72%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 9 $3,205,000 $356,111 $5,187 2.76%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 10 $3,160,000 $316,000 $3,972 3.11%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 10 $3,040,000 $304,000 $5,522 2.46%
MONTGOMERY, AL (FHA|USDA|VA) 12 $2,970,000 $247,500 $4,858 3.04%
GREELEY, CO (FHA|USDA|VA) 8 $2,700,000 $337,500 $5,310 2.64%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 7 $2,685,000 $383,571 $6,094 2.36%
FORT COLLINS, CO (FHA|USDA|VA) 8 $2,530,000 $316,250 $4,224 2.59%
MODESTO, CA (FHA|USDA|VA) 7 $2,525,000 $360,714 $5,349 2.86%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 7 $2,505,000 $357,857 $6,327 2.61%
TUCSON, AZ (FHA|USDA|VA) 8 $2,370,000 $296,250 $3,948 2.64%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 9 $2,355,000 $261,667 $3,889 2.60%
COLUMBUS, OH (FHA|USDA|VA) 8 $2,320,000 $290,000 $6,159 2.83%
WINCHESTER, VA-WV (FHA|USDA|VA) 8 $2,310,000 $288,750 $4,667 2.58%
ROME, GA (FHA|USDA|VA) 9 $2,285,000 $253,889 $3,939 2.88%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 8 $2,280,000 $285,000 $4,877 2.84%
YORK-HANOVER, PA (FHA|USDA|VA) 9 $2,265,000 $251,667 $3,645 3.18%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 8 $2,150,000 $268,750 $3,925 2.67%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 6 $2,120,000 $353,333 $6,636 2.56%
PORT ST. LUCIE, FL (FHA|USDA|VA) 6 $2,090,000 $348,333 $4,231 2.85%
WARNER ROBINS, GA (FHA|USDA|VA) 9 $2,085,000 $231,667 $3,807 2.86%
ELGIN, IL (FHA|USDA|VA) 6 $1,980,000 $330,000 $3,910 2.50%
THE VILLAGES, FL (FHA|USDA|VA) 7 $1,975,000 $282,143 $4,375 2.79%
MEDFORD, OR (FHA|USDA|VA) 6 $1,960,000 $326,667 $5,464 2.54%
WILMINGTON, NC (FHA|USDA|VA) 4 $1,950,000 $487,500 $5,853 2.78%
GETTYSBURG, PA (FHA|USDA|VA) 8 $1,950,000 $243,750 $5,884 3.06%
DECATUR, AL (FHA|USDA|VA) 13 $1,935,000 $148,846 $4,599 3.29%
STOCKTON, CA (FHA|USDA|VA) 6 $1,920,000 $320,000 $5,414 2.96%
COLUMBUS, GA-AL (FHA|USDA|VA) 9 $1,855,000 $206,111 $5,024 2.96%
VALDOSTA, GA (FHA|USDA|VA) 9 $1,845,000 $205,000 $4,968 2.82%
YUBA CITY, CA (FHA|USDA|VA) 6 $1,820,000 $303,333 $6,042 2.98%
PANAMA CITY, FL (FHA|USDA|VA) 6 $1,810,000 $301,667 $5,280 3.08%
EL PASO, TX (FHA|USDA|VA) 6 $1,750,000 $291,667 $3,551 2.58%
SALINAS, CA (FHA|USDA|VA) 3 $1,735,000 $578,333 $6,122 2.79%
SALISBURY, MD-DE (FHA|USDA|VA) 8 $1,730,000 $216,250 $4,607 2.98%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 5 $1,565,000 $313,000 $5,706 3.15%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 4 $1,550,000 $387,500 $4,462 2.56%
LYNCHBURG, VA (FHA|USDA|VA) 5 $1,545,000 $309,000 $4,038 2.55%
GAINESVILLE, GA (FHA|USDA|VA) 5 $1,505,000 $301,000 $5,034 3.30%
MORRISTOWN, TN (FHA|USDA|VA) 6 $1,480,000 $246,667 $5,196 3.25%
ST. LOUIS, MO-IL (FHA|USDA|VA) 4 $1,430,000 $357,500 $4,770 2.63%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 5 $1,425,000 $285,000 $4,670 2.75%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 4 $1,350,000 $337,500 $4,452 2.72%
JACKSONVILLE, NC (FHA|USDA|VA) 6 $1,340,000 $223,333 $3,210 2.52%
ROANOKE, VA (FHA|USDA|VA) 4 $1,330,000 $332,500 $4,526 2.75%
VALLEJO, CA (FHA|USDA|VA) 4 $1,320,000 $330,000 $5,736 2.97%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 5 $1,295,000 $259,000 $3,417 2.65%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA (FHA|USDA|VA) 3 $1,285,000 $428,333 $4,036 2.75%
BOULDER, CO (FHA|USDA|VA) 3 $1,265,000 $421,667 $9,481 2.96%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 4 $1,260,000 $315,000 $5,062 2.81%
JACKSON, MS (FHA|USDA|VA) 4 $1,250,000 $312,500 $4,632 3.09%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 5 $1,235,000 $247,000 $3,883 3.20%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 6 $1,230,000 $205,000 $5,791 3.13%
WORCESTER, MA-CT (FHA|USDA|VA) 4 $1,220,000 $305,000 $4,087 2.66%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 5 $1,215,000 $243,000 $4,095 3.45%
ALBANY, GA (FHA|USDA|VA) 4 $1,110,000 $277,500 $3,214 2.88%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $1,110,000 $555,000 $8,069 2.63%
FRESNO, CA (FHA|USDA|VA) 5 $1,105,000 $221,000 $5,285 3.33%
BEND, OR (FHA|USDA|VA) 3 $1,055,000 $351,667 $4,421 2.63%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 5 $1,045,000 $209,000 $3,905 3.00%
DOTHAN, AL (FHA|USDA|VA) 5 $1,045,000 $209,000 $3,403 2.78%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 3 $995,000 $331,667 $6,852 2.75%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH (FHA|USDA|VA) 3 $985,000 $328,333 $2,919 2.75%
PHILADELPHIA, PA (FHA|USDA|VA) 2 $970,000 $485,000 $4,850 3.06%
LAKE COUNTY-KENOSHA COUNTY, IL-WI (FHA|USDA|VA) 2 $970,000 $485,000 $3,593 2.63%
PITTSBURGH, PA (FHA|USDA|VA) 3 $955,000 $318,333 $5,416 3.04%
SUMTER, SC (FHA|USDA|VA) 3 $955,000 $318,333 $4,730 2.50%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 3 $935,000 $311,667 $5,882 2.75%
LONGVIEW, TX (FHA|USDA|VA) 3 $935,000 $311,667 $3,373 2.67%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $870,000 $435,000 $4,565 2.63%
EL CENTRO, CA (FHA|USDA|VA) 4 $850,000 $212,500 $3,952 3.22%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 3 $845,000 $281,667 $4,744 2.92%
FLAGSTAFF, AZ (FHA|USDA|VA) 3 $835,000 $278,333 $2,407 2.67%
SPRINGFIELD, MA (FHA|USDA|VA) 2 $820,000 $410,000 $3,312 2.50%
BAKERSFIELD, CA (FHA|USDA|VA) 4 $810,000 $202,500 $3,333 3.38%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3 $805,000 $268,333 $3,745 3.50%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $795,000 $265,000 $4,125 2.92%
BRUNSWICK, GA (FHA|USDA|VA) 3 $785,000 $261,667 $3,636 2.96%
WINSTON-SALEM, NC (FHA|USDA|VA) 4 $760,000 $190,000 $3,365 2.69%
WACO, TX (FHA|USDA|VA) 2 $750,000 $375,000 $7,759 2.56%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $740,000 $370,000 $4,860 2.50%
WALLA WALLA, WA (FHA|USDA|VA) 2 $740,000 $370,000 $7,278 2.25%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 4 $730,000 $182,500 $4,428 2.97%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 2 $730,000 $365,000 $5,511 3.00%
HINESVILLE, GA (FHA|USDA|VA) 3 $695,000 $231,667 $4,317 2.88%
NEW BRUNSWICK-LAKEWOOD, NJ (FHA|USDA|VA) 2 $690,000 $345,000 $4,015 2.88%
CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $680,000 $340,000 $5,723 2.50%
GARY, IN (FHA|USDA|VA) 2 $610,000 $305,000 $3,995 3.06%
AKRON, OH (FHA|USDA|VA) 2 $610,000 $305,000 $4,301 2.50%
DULUTH, MN-WI (FHA|USDA|VA) 2 $610,000 $305,000 $5,838 2.25%
BATON ROUGE, LA (FHA|USDA|VA) 3 $585,000 $195,000 $4,652 3.08%
WICHITA FALLS, TX (FHA|USDA|VA) 2 $550,000 $275,000 $5,967 2.63%
MOBILE, AL (FHA|USDA|VA) 3 $545,000 $181,667 $4,614 2.92%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 2 $530,000 $265,000 $4,445 2.88%
TOLEDO, OH (FHA|USDA|VA) 2 $530,000 $265,000 $2,755 2.75%
REDDING, CA (FHA|USDA|VA) 2 $490,000 $245,000 $3,349 3.06%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 2 $480,000 $240,000 $6,035 3.25%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $455,000 $455,000 $6,641 2.88%
ALBANY-LEBANON, OR (FHA|USDA|VA) 2 $450,000 $225,000 $3,151 2.25%
JOHNSON CITY, TN (FHA|USDA|VA) 3 $445,000 $148,333 $4,215 3.58%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $415,000 $415,000 $9,219 2.75%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $415,000 $415,000 $4,872 2.25%
YAKIMA, WA (FHA|USDA|VA) 2 $410,000 $205,000 $5,887 2.88%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 2 $400,000 $200,000 $4,883 2.75%
KOKOMO, IN (FHA|USDA|VA) 2 $390,000 $195,000 $6,165 3.00%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $385,000 $385,000 $4,079 2.50%
GRANTS PASS, OR (FHA|USDA|VA) 1 $375,000 $375,000 $0 2.25%
PEORIA, IL (FHA|USDA|VA) 1 $365,000 $365,000 $6,528 2.25%
MERCED, CA (FHA|USDA|VA) 1 $365,000 $365,000 $7,931 2.63%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $355,000 $355,000 $4,021 2.25%
NAPA, CA (FHA|USDA|VA) 1 $345,000 $345,000 $2,791 2.88%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $345,000 $345,000 $2,446 2.63%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $345,000 $345,000 $3,233 3.13%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $340,000 $170,000 $2,694 2.94%
MIDLAND, TX (FHA|USDA|VA) 1 $335,000 $335,000 $1,912 3.25%
CHICO, CA (FHA|USDA|VA) 1 $335,000 $335,000 $2,837 2.88%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $330,000 $165,000 $6,117 3.25%
LONGVIEW, WA (FHA|USDA|VA) 1 $325,000 $325,000 $4,290 2.25%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $325,000 $325,000 $3,928 2.50%
OCALA, FL (FHA|USDA|VA) 2 $320,000 $160,000 $5,206 3.06%
HARRISONBURG, VA (FHA|USDA|VA) 1 $315,000 $315,000 $6,615 2.88%
ODESSA, TX (FHA|USDA|VA) 1 $295,000 $295,000 $6,178 2.25%
FLORENCE, SC (FHA|USDA|VA) 1 $295,000 $295,000 $4,303 3.63%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $285,000 $285,000 $6,742 2.50%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $285,000 $285,000 $1,134 2.75%
ERIE, PA (FHA|USDA|VA) 1 $265,000 $265,000 $4,293 2.75%
CORVALLIS, OR (FHA|USDA|VA) 1 $265,000 $265,000 $1,873 2.75%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $255,000 $255,000 $1,430 2.25%
JACKSON, TN (FHA|USDA|VA) 1 $255,000 $255,000 $3,770 2.88%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $255,000 $255,000 $13,753 3.38%
ABILENE, TX (FHA|USDA|VA) 1 $245,000 $245,000 $3,518 2.75%
SEBASTIAN-VERO BEACH, FL (FHA|USDA|VA) 1 $235,000 $235,000 $1,416 2.75%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $235,000 $235,000 $6,329 2.25%
FLINT, MI (FHA|USDA|VA) 1 $235,000 $235,000 $2,386 2.75%
STAUNTON, VA (FHA|USDA|VA) 1 $235,000 $235,000 $1,503 2.75%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $235,000 $235,000 $3,997 2.88%
LUBBOCK, TX (FHA|USDA|VA) 1 $225,000 $225,000 $5,353 3.50%
TYLER, TX (FHA|USDA|VA) 1 $225,000 $225,000 $2,617 2.25%
SPARTANBURG, SC (FHA|USDA|VA) 1 $215,000 $215,000 $7,735 2.88%
MANKATO, MN (FHA|USDA|VA) 1 $215,000 $215,000 $3,651 2.50%
ROCKFORD, IL (FHA|USDA|VA) 1 $205,000 $205,000 $2,527 2.75%
BECKLEY, WV (FHA|USDA|VA) 1 $195,000 $195,000 $3,504 3.00%
LAWTON, OK (FHA|USDA|VA) 1 $195,000 $195,000 $4,634 2.75%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $165,000 $165,000 $6,905 2.88%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $165,000 $165,000 $2,807 2.75%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $155,000 $155,000 $4,014 2.75%
WILMINGTON, DE-MD-NJ (FHA|USDA|VA) 1 $125,000 $125,000 $2,716 2.50%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $125,000 $125,000 $3,206 3.63%
JACKSON, MI (FHA|USDA|VA) 1 $105,000 $105,000 $3,367 2.25%

Tjc Mortgage 's top markets include Atlanta, Seattle, Birmingham, Chattanooga, and Washington among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 4,975 $1,369,005,000 $275,177 $4,247 3.16%
VA 2,364 $836,620,000 $353,900 $5,519 2.67%
FHA 675 $151,675,000 $224,704 $8,025 3.29%
USDA 151 $27,235,000 $180,364 $5,389 3.23%

For the 2020 period, Tjc Mortgage 's most frequently originated loan type of loans were Conventional, with 4,975 originations. Their 2nd most popular type is VA, with 2,364 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 4,561 $1,428,145,000 $313,121 $4,571 2.86%
Home Purchase 2,328 $620,470,000 $266,525 $5,485 3.26%
Cash Out Refi 1,276 $335,920,000 $263,260 $5,297 3.24%

For the 2020, Tjc Mortgage 's most frequently cited loan purpose of loans were Refi, with 4,561 originations. The 2nd most popular reason of loans were Home Purchase, with 2,328 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 7,120 $2,140,490,000 $300,631 $5,079 3.05%
15 Year 627 $138,295,000 $220,566 $4,058 2.79%
20 Year 217 $55,085,000 $253,848 $4,192 3.12%
Other 158 $44,710,000 $282,975 $4,061 3.02%
10 Year 43 $5,955,000 $138,488 $2,943 3.44%

For the 2020, Tjc Mortgage 's most frequently cited loan length of loans were 30 Year, with 7,120 originations. The 2nd most popular length of loans were 15 Year, with 627 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 3,535 $979,815,000 $277,175
$3k-4k 1,495 $426,395,000 $285,214
$2k-3k 1,344 $329,140,000 $244,896
$<1k 1,098 $360,860,000 $328,652
$5k+ 680 $284,320,000 $418,118

$5,079 of loans were Tjc Mortgage 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 3,535 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 3,735 $1,147,225,000 $307,155
3-4% 3,044 $813,580,000 $267,273
<2.5% 1,151 $373,445,000 $324,453
4-5% 223 $48,145,000 $215,897
5-6% 7 $1,965,000 $280,714
7-8% 5 $175,000 $35,000

During 2020, Tjc Mortgage 's average interest rate of loans were 3.05%, while their most frequently originated rate bucket of loans were 2.5-3%, with 3,735 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 4,435 $1,293,315,000 $291,616 $4,860 2.95%
$100k-200k 1,954 $302,950,000 $155,041 $4,385 3.23%
$400k-600k 1,362 $638,140,000 $468,532 $5,732 2.93%
$100,000 or less 234 $18,880,000 $80,684 $3,689 3.50%
$600k-1MM 172 $119,680,000 $695,814 $8,678 3.06%
$1MM+ 8 $11,570,000 $1,446,250 $14,265 2.92%

2020 saw Tjc Mortgage place emphasis on $200k-400k loans with 4,435 originations, totaling $1,293,315,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k or less 2,709 $798,235,000 $294,660 $5,031 2.81%
$100k-150k 1,525 $462,175,000 $303,066 $4,923 3.13%
$50k-75k 1,395 $299,565,000 $214,742 $4,848 3.21%
$75k-100k 1,142 $299,120,000 $261,926 $4,966 3.15%
$150k-250k 931 $339,385,000 $364,538 $4,842 3.12%
$250k+ 297 $124,515,000 $419,242 $4,969 3.15%

Tjc Mortgage lent most frequently to those with incomes in the $50k or less range, with 2,709 originations. The second most popular income band? $100k-150k, with 1,525 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
<20% 2,573 $853,245,000 $331,615 $4,924 2.71%
20-30% 1,528 $417,110,000 $272,978 $4,409 3.13%
30-36% 1,089 $297,895,000 $273,549 $4,827 3.18%
44% 262 $71,800,000 $274,046 $5,291 3.30%
43% 240 $62,590,000 $260,792 $4,904 3.22%
36% 232 $66,810,000 $287,974 $5,009 3.14%
41% 225 $58,625,000 $260,556 $5,099 3.23%
42% 221 $60,535,000 $273,914 $5,177 3.22%
38% 212 $58,470,000 $275,802 $5,107 3.22%
40% 201 $52,445,000 $260,920 $4,870 3.26%
39% 197 $54,455,000 $276,421 $5,237 3.26%
37% 185 $49,375,000 $266,892 $4,844 3.25%
50-60% 173 $44,945,000 $259,798 $7,759 3.17%
45% 159 $43,825,000 $275,629 $5,072 3.19%
49% 153 $43,705,000 $285,654 $5,382 3.18%
48% 151 $44,485,000 $294,603 $5,613 3.13%
46% 147 $38,645,000 $262,891 $5,097 3.19%
47% 141 $37,745,000 $267,695 $5,187 3.19%
>60% 2 $1,300,000 $650,000 $14,884 3.69%

Tjc Mortgage lent most frequently to those with DTI ratios of <20%, with 2,573 originations. The next most common DTI ratio? 20-30%, with 1,528 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 6,506 $1,879,480,000 $288,884 $4,856 3.06%
Not provided 752 $232,300,000 $308,910 $5,338 2.86%
Black 560 $161,660,000 $288,679 $5,587 3.02%
Asian 268 $85,110,000 $317,575 $4,697 2.97%
Not applicable 31 $10,925,000 $352,419 $4,752 3.08%
American Indian 33 $10,115,000 $306,515 $4,872 2.81%
Native Hawaiian 15 $4,945,000 $329,667 $5,416 2.91%

Approval Rates

Total approvals of all applications
97.85%

Tjc Mortgage has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
85.76%

Tjc Mortgage has an average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 8,165 $2,384,535,000 $292,043

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Manufactured 56 $15,040,000 $268,571
Single Family (1-4 Units):Site-Built 8,109 $2,369,495,000 $292,206

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 202 $45,490,000 $225,198 $3,727 2.92%
40-60% 933 $256,335,000 $274,743 $3,879 2.95%
60-80% 3,101 $919,955,000 $296,664 $4,653 3.06%
80-100% 3,616 $1,056,510,000 $292,176 $5,428 3.05%
Over 100% 135 $45,275,000 $335,370 $8,312 2.80%
Under 20% 19 $1,355,000 $71,316 $1,454 3.98%