Tjc Mortgage Rates, Fees & Info

BIRMINGHAM, AL

LEI: 54930021DZJ9CEN11D61

Tax ID: 75-3197409

3.7 stars - Updated: 4/5/25 - out of 5 stars, based on 41 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Tjc Mortgage is a smaller mortgage company specializing in Home Purchase loans. Tjc Mortgage has a high proportion of conventional loans. They have a a high proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Atlanta, Birmingham, Reno, Charlotte, and Chattanooga among others. We have data for 216 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Tjc Mortgage has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Tjc Mortgage is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.88% 4/5/25
    30 Year Conventional Refi 6.78% 4/5/25
    30 Year Cash-out Refi 7.08% 4/5/25
    30 Year FHA Purchase 7.36% 4/5/25
    30 Year FHA Refi 6.88% 4/5/25
    30 Year VA Purchase 6.54% 4/5/25
    30 Year VA Refi 5.92% 4/5/25
    30 Year USDA Purchase 6.98% 4/5/25
    15 Year Conventional Purchase 3.85% 4/5/25
    15 Year Conventional Refi 6.53% 4/5/25
    15 Year Cash-out Refi 6.53% 4/5/25
    15 Year FHA Refi 6.82% 4/5/25
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Tjc Mortgage Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Tjc Mortgage. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,704

    Origination Dollar Volume (All Markets)

    $532,070,000
    Show all (6) awards

    Relative Rate

    Tjc Mortgage's average 30 year fixed mortgage rate was 6.47%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of -0.08%.

    Relative Fees (Closing Costs)

    Tjc Mortgage's average total fees/closing costs for a 30 year fixed rate mortgage were $9,937.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $8,356.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 133 $48,525,000 $364,850 $10,103 6.31%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 131 $32,115,000 $245,153 $7,191 6.56%
    RENO, NV (FHA|USDA|VA) 68 $27,910,000 $410,441 $9,600 6.53%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 77 $26,925,000 $349,675 $8,958 6.36%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 88 $22,780,000 $258,864 $9,921 6.27%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 37 $20,095,000 $543,108 $13,922 6.67%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 59 $16,425,000 $278,390 $10,915 5.79%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 36 $15,990,000 $444,167 $9,722 6.75%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 43 $14,945,000 $347,558 $9,008 6.76%
    Albertville, AL (FHA|USDA|VA) 58 $13,040,000 $224,828 $7,358 6.65%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 19 $11,375,000 $598,684 $15,694 6.83%
    Outside of Metro Areas 41 $11,315,000 $275,976 $7,332 6.76%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 24 $11,270,000 $469,583 $9,156 6.15%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 56 $11,190,000 $199,821 $7,683 6.52%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 30 $10,790,000 $359,667 $12,510 6.68%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 31 $10,065,000 $324,677 $8,911 6.29%
    PUNTA GORDA, FL (FHA|USDA|VA) 32 $9,130,000 $285,313 $9,879 5.89%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 30 $8,970,000 $299,000 $8,498 6.33%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 41 $8,815,000 $215,000 $7,843 4.80%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 28 $8,170,000 $291,786 $10,455 6.35%
    Fernley, NV (FHA|USDA|VA) 25 $7,815,000 $312,600 $10,858 6.61%
    CLEVELAND, TN (FHA|USDA|VA) 32 $7,080,000 $221,250 $8,978 6.68%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 22 $6,760,000 $307,273 $9,684 6.66%
    HUNTSVILLE, AL (FHA|USDA|VA) 18 $6,340,000 $352,222 $6,707 6.56%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 18 $6,130,000 $340,556 $8,541 6.85%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 9 $5,375,000 $597,222 $10,239 6.49%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 24 $4,950,000 $206,250 $6,504 4.76%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 11 $4,425,000 $402,273 $9,996 6.43%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 12 $4,250,000 $354,167 $10,779 6.17%
    ANN ARBOR, MI (FHA|USDA|VA) 15 $4,225,000 $281,667 $9,050 6.57%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 10 $3,900,000 $390,000 $14,854 6.39%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 12 $3,790,000 $315,833 $8,893 6.69%
    LOUISVILLE, KY (FHA|USDA|VA) 14 $3,460,000 $247,143 $7,629 6.39%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 7 $3,355,000 $479,286 $16,249 6.36%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 11 $2,915,000 $265,000 $9,491 6.83%
    DALTON, GA (FHA|USDA|VA) 13 $2,825,000 $217,308 $9,038 6.22%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 7 $2,805,000 $400,714 $19,637 6.14%
    GADSDEN, AL (FHA|USDA|VA) 12 $2,680,000 $223,333 $7,427 6.81%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 5 $2,655,000 $531,000 $14,923 6.93%
    DECATUR, AL (FHA|USDA|VA) 9 $2,655,000 $295,000 $5,602 6.28%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 8 $2,580,000 $322,500 $12,558 6.59%
    CARSON CITY, NV (FHA|USDA|VA) 8 $2,570,000 $321,250 $9,695 6.52%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 9 $2,425,000 $269,444 $8,605 6.76%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 3 $2,355,000 $785,000 $34,592 6.33%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 6 $2,210,000 $368,333 $10,112 6.35%
    KNOXVILLE, TN (FHA|USDA|VA) 8 $2,200,000 $275,000 $11,342 6.28%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 6 $2,070,000 $345,000 $12,678 6.15%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 5 $1,885,000 $377,000 $13,385 5.93%
    TUSCALOOSA, AL (FHA|USDA|VA) 7 $1,825,000 $260,714 $7,554 6.64%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 3 $1,825,000 $608,333 $6,599 6.29%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 6 $1,820,000 $303,333 $8,571 7.02%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 5 $1,805,000 $361,000 $12,059 5.95%
    Fort Payne, AL (FHA|USDA|VA) 7 $1,785,000 $255,000 $10,605 6.39%
    RICHMOND, VA (FHA|USDA|VA) 4 $1,740,000 $435,000 $9,429 6.25%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 7 $1,725,000 $246,429 $6,395 6.64%
    Dayton, TN (FHA|USDA|VA) 6 $1,710,000 $285,000 $8,281 6.60%
    JACKSONVILLE, FL (FHA|USDA|VA) 4 $1,460,000 $365,000 $20,383 6.00%
    COLUMBIA, SC (FHA|USDA|VA) 5 $1,395,000 $279,000 $8,321 6.08%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 3 $1,385,000 $461,667 $22,659 6.08%
    Athens, TN (FHA|USDA|VA) 5 $1,285,000 $257,000 $10,542 6.35%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 7 $1,245,000 $177,857 $9,685 7.20%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $1,245,000 $415,000 $15,777 6.83%
    TUCSON, AZ (FHA|USDA|VA) 3 $1,195,000 $398,333 $20,773 5.88%
    GAINESVILLE, GA (FHA|USDA|VA) 3 $1,145,000 $381,667 $14,732 6.46%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 5 $1,095,000 $219,000 $6,769 6.95%
    STOCKTON, CA (FHA|USDA|VA) 2 $1,050,000 $525,000 $10,283 6.13%
    Fallon, NV (FHA|USDA|VA) 3 $1,045,000 $348,333 $9,299 6.54%
    Sheridan, WY (FHA|USDA|VA) 1 $995,000 $995,000 $16,444 5.75%
    Cullman, AL (FHA|USDA|VA) 4 $990,000 $247,500 $7,904 6.91%
    MONROE, MI (FHA|USDA|VA) 3 $985,000 $328,333 $11,528 6.42%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 2 $930,000 $465,000 $17,354 6.94%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $925,000 $308,333 $10,303 6.25%
    SPRINGFIELD, OH (FHA|USDA|VA) 4 $920,000 $230,000 $9,097 7.13%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 3 $885,000 $295,000 $7,426 5.46%
    Scottsboro, AL (FHA|USDA|VA) 4 $870,000 $217,500 $10,451 6.63%
    COLUMBUS, GA-AL (FHA|USDA|VA) 3 $865,000 $288,333 $13,153 6.58%
    WORCESTER, MA-CT (FHA|USDA|VA) 1 $815,000 $815,000 $23,349 5.75%
    Whitewater, WI (FHA|USDA|VA) 1 $815,000 $815,000 $21,832 5.75%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 2 $800,000 $400,000 $11,890 7.25%
    Elko, NV (FHA|USDA|VA) 2 $790,000 $395,000 $11,049 6.69%
    WINSTON-SALEM, NC (FHA|USDA|VA) 3 $785,000 $261,667 $7,093 6.67%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $745,000 $745,000 $17,685 5.75%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 2 $740,000 $370,000 $10,376 6.69%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 3 $725,000 $241,667 $9,961 4.29%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $720,000 $360,000 $6,684 6.25%
    Georgetown, SC (FHA|USDA|VA) 2 $710,000 $355,000 $8,019 6.63%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $695,000 $695,000 $13,798 6.63%
    SALISBURY, MD-DE (FHA|USDA|VA) 3 $685,000 $228,333 $5,065 6.79%
    BILLINGS, MT (FHA|USDA|VA) 1 $685,000 $685,000 $30,030 6.88%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 4 $640,000 $160,000 $4,671 6.84%
    Boone, NC (FHA|USDA|VA) 1 $635,000 $635,000 $9,465 7.13%
    GREELEY, CO (FHA|USDA|VA) 2 $620,000 $310,000 $16,030 5.25%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $620,000 $310,000 $3,690 5.56%
    YORK-HANOVER, PA (FHA|USDA|VA) 2 $620,000 $310,000 $12,234 6.06%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $615,000 $615,000 $7,778 6.63%
    FAYETTEVILLE, NC (FHA|USDA|VA) 2 $600,000 $300,000 $13,978 6.25%
    READING, PA (FHA|USDA|VA) 2 $600,000 $300,000 $8,383 6.56%
    BAKERSFIELD, CA (FHA|USDA|VA) 2 $600,000 $300,000 $12,980 6.81%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $595,000 $595,000 $2,623 5.75%
    MIDLAND, MI (FHA|USDA|VA) 2 $590,000 $295,000 $12,821 5.81%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $590,000 $295,000 $8,456 7.19%
    EL PASO, TX (FHA|USDA|VA) 2 $580,000 $290,000 $15,542 6.19%
    BELLINGHAM, WA (FHA|USDA|VA) 1 $575,000 $575,000 $11,473 6.63%
    MONTGOMERY, AL (FHA|USDA|VA) 2 $570,000 $285,000 $6,182 5.38%
    OCALA, FL (FHA|USDA|VA) 4 $560,000 $140,000 $8,731 6.63%
    Alexander City, AL (FHA|USDA|VA) 2 $560,000 $280,000 $7,270 6.94%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $560,000 $280,000 $15,604 6.88%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $535,000 $535,000 $16,392 7.13%
    THE VILLAGES, FL (FHA|USDA|VA) 2 $530,000 $265,000 $4,271 6.88%
    COLUMBUS, OH (FHA|USDA|VA) 3 $525,000 $175,000 $6,077 7.50%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $515,000 $515,000 $17,177 6.25%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $515,000 $515,000 $17,799 5.75%
    ROANOKE, VA (FHA|USDA|VA) 1 $515,000 $515,000 $15,715 4.63%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $495,000 $495,000 $12,364 6.63%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $475,000 $475,000 $11,332 7.00%
    ALBUQUERQUE, NM (FHA|USDA|VA) 1 $475,000 $475,000 $18,270 6.50%
    SPRINGFIELD, MA (FHA|USDA|VA) 2 $470,000 $235,000 $9,812 7.00%
    BURLINGTON, NC (FHA|USDA|VA) 2 $450,000 $225,000 $9,847 5.56%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $440,000 $220,000 $8,619 6.31%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $425,000 $425,000 $14,965 5.88%
    BRUNSWICK, GA (FHA|USDA|VA) 1 $425,000 $425,000 $3,194 6.75%
    YUBA CITY, CA (FHA|USDA|VA) 1 $415,000 $415,000 $3,951 6.88%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $410,000 $205,000 $8,501 6.31%
    ROCKFORD, IL (FHA|USDA|VA) 1 $405,000 $405,000 $13,308 6.25%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 3 $405,000 $135,000 $2,803 4.29%
    Seymour, IN (FHA|USDA|VA) 1 $395,000 $395,000 $9,690 7.50%
    LaGrange, GA-AL (FHA|USDA|VA) 2 $380,000 $190,000 $7,325 6.81%
    JACKSONVILLE, NC (FHA|USDA|VA) 1 $375,000 $375,000 $4,864 5.25%
    Ottawa, KS (FHA|USDA|VA) 2 $370,000 $185,000 $7,171 6.56%
    VISALIA, CA (FHA|USDA|VA) 1 $365,000 $365,000 $0 6.63%
    Port Angeles, WA (FHA|USDA|VA) 1 $365,000 $365,000 $25,419 6.13%
    TOPEKA, KS (FHA|USDA|VA) 1 $355,000 $355,000 $10,008 6.75%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $355,000 $355,000 $9,165 5.25%
    ASHEVILLE, NC (FHA|USDA|VA) 1 $355,000 $355,000 $10,588 4.75%
    LAS CRUCES, NM (FHA|USDA|VA) 1 $355,000 $355,000 $12,527 6.25%
    Selma, AL (FHA|USDA|VA) 2 $340,000 $170,000 $6,658 6.88%
    KOKOMO, IN (FHA|USDA|VA) 1 $335,000 $335,000 $17,490 5.88%
    RALEIGH-CARY, NC (FHA|USDA|VA) 1 $335,000 $335,000 $8,907 7.63%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $325,000 $325,000 $21,013 5.75%
    Tifton, GA (FHA|USDA|VA) 1 $325,000 $325,000 $4,849 7.00%
    Roswell, NM (FHA|USDA|VA) 1 $325,000 $325,000 $14,232 6.63%
    WARNER ROBINS, GA (FHA|USDA|VA) 3 $305,000 $101,667 $8,120 6.67%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $305,000 $305,000 $6,803 7.38%
    Shelby, NC (FHA|USDA|VA) 2 $300,000 $150,000 $6,111 3.81%
    Jefferson, GA (FHA|USDA|VA) 1 $295,000 $295,000 $19,249 6.25%
    Sevierville, TN (FHA|USDA|VA) 1 $295,000 $295,000 $17,747 6.13%
    Kerrville, TX (FHA|USDA|VA) 1 $285,000 $285,000 $10,466 6.50%
    ROCKY MOUNT, NC (FHA|USDA|VA) 1 $285,000 $285,000 $14,780 5.25%
    Gaffney, SC (FHA|USDA|VA) 1 $275,000 $275,000 $10,750 6.75%
    Douglas, GA (FHA|USDA|VA) 1 $275,000 $275,000 $7,029 6.88%
    WACO, TX (FHA|USDA|VA) 1 $275,000 $275,000 $12,419 6.25%
    Searcy, AR (FHA|USDA|VA) 1 $265,000 $265,000 $8,882 4.88%
    WICHITA, KS (FHA|USDA|VA) 1 $265,000 $265,000 $0 5.75%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $265,000 $265,000 $12,870 7.13%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $265,000 $265,000 $0 7.50%
    JOHNSON CITY, TN (FHA|USDA|VA) 1 $265,000 $265,000 $11,018 6.13%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $265,000 $265,000 $3,825 6.88%
    Cookeville, TN (FHA|USDA|VA) 1 $255,000 $255,000 $8,295 6.75%
    LAFAYETTE, LA (FHA|USDA|VA) 1 $255,000 $255,000 $7,149 6.50%
    Shelton, WA (FHA|USDA|VA) 1 $245,000 $245,000 $11,956 6.50%
    Ruidoso, NM (FHA|USDA|VA) 1 $245,000 $245,000 $0 6.13%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $245,000 $245,000 $8,553 6.63%
    Fitzgerald, GA (FHA|USDA|VA) 1 $235,000 $235,000 $8,159 6.75%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $235,000 $235,000 $7,053 6.63%
    Frankfort, KY (FHA|USDA|VA) 1 $235,000 $235,000 $9,362 6.63%
    Chillicothe, OH (FHA|USDA|VA) 1 $235,000 $235,000 $11,504 6.25%
    Rochelle, IL (FHA|USDA|VA) 3 $235,000 $78,333 $2,209 4.63%
    Orangeburg, SC (FHA|USDA|VA) 1 $235,000 $235,000 $4,277 5.25%
    Okeechobee, FL (FHA|USDA|VA) 1 $235,000 $235,000 $5,883 7.63%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $235,000 $235,000 $3,628 5.25%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $235,000 $235,000 $0 6.13%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $235,000 $235,000 $5,687 5.75%
    FLORENCE, SC (FHA|USDA|VA) 2 $230,000 $115,000 $3,374 3.25%
    Alamogordo, NM (FHA|USDA|VA) 1 $215,000 $215,000 $5,811 5.75%
    McMinnville, TN (FHA|USDA|VA) 1 $215,000 $215,000 $3,664 6.50%
    ROME, GA (FHA|USDA|VA) 1 $215,000 $215,000 $14,211 6.63%
    Cambridge, OH (FHA|USDA|VA) 1 $215,000 $215,000 $14,262 5.75%
    YAKIMA, WA (FHA|USDA|VA) 1 $215,000 $215,000 $10,316 7.63%
    Jasper, AL (FHA|USDA|VA) 2 $210,000 $105,000 $4,024 7.00%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $205,000 $205,000 $10,221 5.63%
    Summerville, GA (FHA|USDA|VA) 1 $195,000 $195,000 $12,838 6.50%
    APPLETON, WI (FHA|USDA|VA) 1 $195,000 $195,000 $4,619 5.75%
    Norwalk, OH (FHA|USDA|VA) 1 $195,000 $195,000 $8,784 7.38%
    Mason City, IA (FHA|USDA|VA) 1 $175,000 $175,000 $7,403 5.13%
    SPRINGFIELD, IL (FHA|USDA|VA) 1 $175,000 $175,000 $11,522 5.75%
    VICTORIA, TX (FHA|USDA|VA) 1 $175,000 $175,000 $8,687 6.25%
    FOND DU LAC, WI (FHA|USDA|VA) 1 $175,000 $175,000 $10,808 5.25%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $175,000 $175,000 $5,083 6.50%
    Clewiston, FL (FHA|USDA|VA) 1 $165,000 $165,000 $9,807 6.00%
    Calhoun, GA (FHA|USDA|VA) 1 $165,000 $165,000 $9,673 6.25%
    Mount Sterling, KY (FHA|USDA|VA) 1 $165,000 $165,000 $6,241 5.88%
    BLOOMINGTON, IL (FHA|USDA|VA) 1 $165,000 $165,000 $0 7.50%
    Bedford, IN (FHA|USDA|VA) 1 $165,000 $165,000 $8,185 6.63%
    Augusta-Waterville, ME (FHA|USDA|VA) 1 $155,000 $155,000 $4,357 6.13%
    ALBANY, GA (FHA|USDA|VA) 1 $155,000 $155,000 $4,720 6.50%
    MANSFIELD, OH (FHA|USDA|VA) 1 $155,000 $155,000 $8,402 5.88%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $155,000 $155,000 $11,536 7.13%
    Mount Vernon, OH (FHA|USDA|VA) 1 $155,000 $155,000 $9,417 6.13%
    LIMA, OH (FHA|USDA|VA) 1 $145,000 $145,000 $1,797 6.75%
    MOBILE, AL (FHA|USDA|VA) 1 $145,000 $145,000 $9,059 6.25%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $135,000 $135,000 $10,128 5.25%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $135,000 $135,000 $7,840 6.63%
    Urbana, OH (FHA|USDA|VA) 1 $135,000 $135,000 $7,801 5.75%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $135,000 $135,000 $5,365 6.88%
    VALDOSTA, GA (FHA|USDA|VA) 1 $125,000 $125,000 $7,652 5.50%
    Toccoa, GA (FHA|USDA|VA) 1 $125,000 $125,000 $6,812 6.25%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $125,000 $125,000 $10,037 5.75%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $125,000 $125,000 $5,640 6.63%
    AKRON, OH (FHA|USDA|VA) 1 $115,000 $115,000 $0 7.13%
    Dickinson, ND (FHA|USDA|VA) 1 $105,000 $105,000 $6,426 5.88%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $105,000 $105,000 $7,604 6.75%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $95,000 $95,000 $5,817 5.63%
    Lumberton, NC (FHA|USDA|VA) 1 $85,000 $85,000 $6,309 5.38%
    Portsmouth, OH (FHA|USDA|VA) 1 $75,000 $75,000 $7,649 6.25%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.38%
    Tiffin, OH (FHA|USDA|VA) 1 $55,000 $55,000 $4,641 6.50%
    Tjc Mortgage's top markets include Atlanta, Birmingham, Reno, Charlotte, and Chattanooga among others.

    Their top states include:
  • Alabama (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against TJC Mortgage based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 909 $277,505,000 $305,286 $6,903 6.44%
    FHA 560 $164,810,000 $294,304 $12,766 6.41%
    VA 212 $84,930,000 $400,613 $11,665 5.98%
    USDA 23 $4,825,000 $209,783 $6,706 6.36%

    For 2024, Tjc Mortgage's most frequently originated type of loan was Conventional, with 909 originations. Their 2nd most popular type was FHA, with 560 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,328 $410,030,000 $308,758 $9,112 6.41%
    Cash Out Refi 244 $72,040,000 $295,246 $12,521 6.43%
    Refi 132 $50,000,000 $378,788 $8,298 5.86%

    For 2024, Tjc Mortgage's most frequently cited loan purpose was Home Purchase, with 1,328 originations. The 2nd most popular reason was Cash Out Refi, with 244 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,608 $523,260,000 $325,410 $9,937 6.47%
    10 Year 34 $390,000 $11,471 $117 6.51%
    15 Year 31 $5,175,000 $166,935 $5,587 4.55%
    5 Year 11 $225,000 $20,455 $0 0.00%
    20 Year 10 $2,040,000 $204,000 $6,870 6.59%
    Other 6 $940,000 $156,667 $4,342 4.15%
    3 Year 4 $40,000 $10,000 $0 0.00%

    For 2024, Tjc Mortgage's most frequently cited loan duration was 30 Year, with 1,608 originations. The 2nd most popular length was 10 Year, with 34 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 640 $250,750,000 $391,797
    $1k-2k 254 $80,040,000 $315,118
    $4k-5k 230 $69,040,000 $300,174
    $3k-4k 219 $51,825,000 $236,644
    $2k-3k 162 $36,130,000 $223,025
    $<1k 127 $26,165,000 $206,024

    Tjc Mortgage's average total fees were $9,937, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 640 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 984 $313,100,000 $318,191
    7-8% 348 $115,610,000 $332,213
    5-6% 295 $93,535,000 $317,068
    <2.5% 48 $630,000 $13,125
    4-5% 19 $8,415,000 $442,895
    Over 8% 9 $775,000 $86,111
    3-4% 1 $5,000 $5,000

    During 2024, Tjc Mortgage's average interest rate for loans was 6.47%, while their most frequently originated rate bucket for loans was 6-7%, with 984 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 860 $251,700,000 $292,674 $9,890 6.54%
    $100k-200k 317 $49,115,000 $154,937 $6,924 6.58%
    $400k-600k 292 $139,160,000 $476,575 $12,693 6.56%
    $100,000 or less 117 $3,695,000 $31,581 $1,346 3.95%
    $600k-1MM 111 $78,695,000 $708,964 $13,202 6.55%
    $1MM+ 7 $9,705,000 $1,386,429 $23,174 6.43%

    2024 saw Tjc Mortgage place emphasis on $200k-400k loans with 860 originations, totaling $251,700,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 444 $150,350,000 $338,626 $10,412 6.47%
    $50k-75k 360 $74,240,000 $206,222 $8,501 6.26%
    $75k-100k 327 $84,275,000 $257,722 $9,325 6.22%
    $150k-250k 254 $110,990,000 $436,969 $11,396 6.63%
    $50k or less 205 $44,895,000 $219,000 $6,886 6.00%
    $250k+ 111 $65,735,000 $592,207 $10,926 6.88%

    Tjc Mortgage lent most frequently to those with incomes in the $100k-150k range, with 444 originations. The second most popular income band? $50k-75k, with 360 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 235 $78,415,000 $333,681 $13,811 6.15%
    30-36% 219 $65,095,000 $297,237 $8,184 6.53%
    20-30% 176 $49,210,000 $279,602 $7,601 6.43%
    49% 109 $35,275,000 $323,624 $9,822 6.37%
    44% 86 $29,560,000 $343,721 $9,355 6.58%
    48% 80 $25,280,000 $316,000 $10,110 6.51%
    40% 73 $19,155,000 $262,397 $8,617 6.34%
    47% 73 $24,695,000 $338,288 $10,003 6.37%
    45% 73 $24,535,000 $336,096 $10,250 6.49%
    39% 72 $20,830,000 $289,306 $9,025 6.53%
    41% 70 $21,680,000 $309,714 $8,835 6.34%
    46% 68 $20,650,000 $303,676 $8,946 6.41%
    43% 63 $19,735,000 $313,254 $9,302 6.22%
    42% 55 $14,585,000 $265,182 $7,744 6.52%
    36% 51 $17,165,000 $336,569 $9,858 6.48%
    38% 51 $14,485,000 $284,020 $8,522 6.44%
    37% 47 $13,165,000 $280,106 $8,879 6.51%
    <20% 36 $11,230,000 $311,944 $6,465 6.62%
    >60% 7 $2,075,000 $296,429 $9,336 5.41%

    Tjc Mortgage lent most frequently to those with DTI ratios of 50-60%, with 235 originations. The next most common DTI ratio? 30-36%, with 219 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,263 $387,045,000 $306,449 $9,099 6.41%
    Not provided 225 $76,455,000 $339,800 $11,549 6.25%
    Black 143 $40,585,000 $283,811 $9,869 6.16%
    Asian 50 $19,190,000 $383,800 $9,535 6.56%
    American Indian 17 $5,835,000 $343,235 $11,235 5.97%
    Native Hawaiian or Islander 6 $2,960,000 $493,333 $11,174 6.67%

    Approval Rates

    Total approvals of all applications
    96.77%

    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
    41.67%

    Tjc Mortgage has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,704 $532,070,000 $312,248

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,704 $532,070,000 $312,248

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 65 $11,115,000 $171,000 $5,079 6.42%
    40-60% 129 $34,625,000 $268,411 $7,708 6.62%
    60-80% 376 $127,760,000 $339,787 $9,267 6.69%
    80-100% 1,009 $342,015,000 $338,964 $10,703 6.51%
    Over 100% 38 $14,280,000 $375,789 $14,441 5.88%
    Under 20% 86 $1,700,000 $19,767 $374 3.10%