Tjc Mortgage Rates, Fees & Info

BIRMINGHAM, AL

LEI: 54930021DZJ9CEN11D61

Tax ID: 75-3197409

3.2 stars - Updated: 4/18/24 - out of 5 stars, based on 40 reviews

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

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Mortgage Data

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 an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Atlanta, Charlotte, Birmingham, Chattanooga, and Huntsville among others. We have data for 181 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 a high 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 relatively high 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 6.77% 4/18/24
30 Year Conventional Refi 6.60% 4/18/24
30 Year Cash-out Refi 6.84% 4/18/24
30 Year FHA Purchase 7.50% 4/18/24
30 Year FHA Refi 6.81% 4/18/24
30 Year VA Purchase 6.22% 4/18/24
30 Year VA Refi 5.59% 4/18/24
30 Year USDA Purchase 6.81% 4/18/24
30 Year USDA Refi 6.39% 4/18/24
15 Year Conventional Purchase 6.32% 4/18/24
15 Year Conventional Refi 6.23% 4/18/24
15 Year Cash-out Refi 6.23% 4/18/24
15 Year FHA Purchase 8.42% 4/18/24
15 Year VA Purchase 5.68% 4/18/24
15 Year VA Refi 5.68% 4/18/24
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

1,639

Origination Dollar Volume (All Markets)

$494,915,000

Awards

TJC Mortgage 30 Year Conventional Loans silver TJC Mortgage 30 Year Conventional Loans bronze
Show all (2) awards

Relative Rate

Tjc Mortgage's average 30 year fixed mortgage rate was 6.63%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.15%.

Relative Fees (Closing Costs)

Tjc Mortgage's average total fees/closing costs for a 30 year fixed rate mortgage were $10,406.

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 $9,089.

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) 148 $51,820,000 $350,135 $11,534 6.63%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 134 $44,980,000 $335,672 $9,135 6.45%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 129 $32,905,000 $255,078 $6,971 6.71%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 96 $21,860,000 $227,708 $9,738 6.55%
HUNTSVILLE, AL (FHA|USDA|VA) 69 $20,035,000 $290,362 $9,194 6.63%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 39 $18,795,000 $481,923 $13,404 6.84%
RENO, NV (FHA|USDA|VA) 43 $17,115,000 $398,023 $11,607 6.81%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 51 $16,545,000 $324,412 $8,813 6.56%
Albertville, AL (FHA|USDA|VA) 57 $12,975,000 $227,632 $8,346 6.77%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 28 $12,890,000 $460,357 $12,916 6.79%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 26 $11,890,000 $457,308 $10,409 6.43%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 40 $11,790,000 $294,750 $11,524 6.57%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 38 $10,220,000 $268,947 $12,168 5.95%
Outside of Metro Areas 41 $9,785,000 $238,659 $9,263 6.52%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 21 $9,015,000 $429,286 $10,842 6.67%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 25 $8,365,000 $334,600 $10,554 6.75%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 24 $7,950,000 $331,250 $12,128 6.28%
CLEVELAND, TN (FHA|USDA|VA) 35 $7,755,000 $221,571 $9,293 6.79%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 21 $7,585,000 $361,190 $12,715 6.76%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 21 $7,095,000 $337,857 $12,446 6.65%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 27 $6,885,000 $255,000 $9,524 6.14%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 15 $6,765,000 $451,000 $19,961 5.83%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 16 $5,910,000 $369,375 $9,221 6.16%
PUNTA GORDA, FL (FHA|USDA|VA) 21 $5,635,000 $268,333 $8,857 6.31%
TULSA, OK (FHA|USDA|VA) 26 $5,490,000 $211,154 $5,786 6.84%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 15 $5,375,000 $358,333 $11,593 7.33%
KNOXVILLE, TN (FHA|USDA|VA) 15 $4,435,000 $295,667 $10,900 6.47%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 17 $3,355,000 $197,353 $9,837 5.96%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 9 $3,235,000 $359,444 $13,535 6.61%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 7 $2,915,000 $416,429 $15,827 6.14%
DECATUR, AL (FHA|USDA|VA) 10 $2,870,000 $287,000 $8,091 6.61%
DALTON, GA (FHA|USDA|VA) 12 $2,780,000 $231,667 $9,962 6.68%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 11 $2,755,000 $250,455 $6,131 7.07%
GADSDEN, AL (FHA|USDA|VA) 14 $2,660,000 $190,000 $6,936 7.13%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 13 $2,655,000 $204,231 $8,805 7.23%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 4 $2,630,000 $657,500 $23,130 6.16%
Fernley, NV (FHA|USDA|VA) 8 $2,500,000 $312,500 $12,291 6.84%
COLUMBIA, SC (FHA|USDA|VA) 7 $2,405,000 $343,571 $6,826 6.59%
TUSCALOOSA, AL (FHA|USDA|VA) 11 $2,385,000 $216,818 $8,754 6.42%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 5 $2,225,000 $445,000 $18,366 6.48%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 7 $2,205,000 $315,000 $9,030 5.52%
Fort Payne, AL (FHA|USDA|VA) 10 $2,020,000 $202,000 $7,489 6.81%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 7 $2,005,000 $286,429 $8,265 7.13%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 6 $1,970,000 $328,333 $12,681 6.69%
Georgetown, SC (FHA|USDA|VA) 5 $1,925,000 $385,000 $13,014 6.98%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 6 $1,720,000 $286,667 $11,362 6.94%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 5 $1,615,000 $323,000 $7,845 7.28%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 5 $1,585,000 $317,000 $10,297 7.63%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 4 $1,560,000 $390,000 $19,589 6.06%
GETTYSBURG, PA (FHA|USDA|VA) 4 $1,540,000 $385,000 $12,610 6.34%
Athens, TN (FHA|USDA|VA) 7 $1,485,000 $212,143 $9,873 6.61%
OKLAHOMA CITY, OK (FHA|USDA|VA) 3 $1,445,000 $481,667 $5,128 6.63%
SALISBURY, MD-DE (FHA|USDA|VA) 3 $1,445,000 $481,667 $11,437 6.46%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 6 $1,310,000 $218,333 $8,499 6.54%
CARSON CITY, NV (FHA|USDA|VA) 3 $1,225,000 $408,333 $13,606 7.00%
Scottsboro, AL (FHA|USDA|VA) 5 $1,195,000 $239,000 $11,928 6.83%
Calhoun, GA (FHA|USDA|VA) 4 $1,180,000 $295,000 $10,919 6.59%
JACKSONVILLE, FL (FHA|USDA|VA) 4 $1,170,000 $292,500 $8,753 6.75%
COLUMBUS, GA-AL (FHA|USDA|VA) 5 $1,155,000 $231,000 $11,178 6.15%
VALLEJO, CA (FHA|USDA|VA) 2 $1,080,000 $540,000 $20,656 6.44%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $1,040,000 $520,000 $19,534 6.44%
Albemarle, NC (FHA|USDA|VA) 3 $995,000 $331,667 $11,483 7.00%
YORK-HANOVER, PA (FHA|USDA|VA) 4 $870,000 $217,500 $7,276 6.53%
BOISE CITY, ID (FHA|USDA|VA) 2 $860,000 $430,000 $17,406 6.19%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $840,000 $420,000 $13,776 5.81%
Fallon, NV (FHA|USDA|VA) 2 $830,000 $415,000 $14,769 7.31%
Talladega-Sylacauga, AL (FHA|USDA|VA) 5 $805,000 $161,000 $7,532 6.80%
YUBA CITY, CA (FHA|USDA|VA) 2 $800,000 $400,000 $11,661 6.88%
Cullman, AL (FHA|USDA|VA) 3 $765,000 $255,000 $11,584 5.83%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $750,000 $375,000 $8,526 6.13%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $745,000 $248,333 $14,917 5.92%
DAYTON-KETTERING, OH (FHA|USDA|VA) 3 $735,000 $245,000 $9,596 7.00%
OCALA, FL (FHA|USDA|VA) 2 $730,000 $365,000 $18,438 6.38%
ALBUQUERQUE, NM (FHA|USDA|VA) 3 $725,000 $241,667 $15,003 6.79%
Ellensburg, WA (FHA|USDA|VA) 1 $725,000 $725,000 $29,261 7.25%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $695,000 $231,667 $9,378 6.58%
Batesville, AR (FHA|USDA|VA) 6 $690,000 $115,000 $5,021 6.04%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $685,000 $228,333 $12,867 7.25%
BAKERSFIELD, CA (FHA|USDA|VA) 2 $660,000 $330,000 $14,860 5.69%
Sevierville, TN (FHA|USDA|VA) 1 $655,000 $655,000 $22,489 7.50%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 3 $645,000 $215,000 $9,857 7.13%
ASHEVILLE, NC (FHA|USDA|VA) 2 $640,000 $320,000 $2,877 7.00%
Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $630,000 $315,000 $9,134 6.44%
THE VILLAGES, FL (FHA|USDA|VA) 2 $580,000 $290,000 $7,205 7.13%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $575,000 $575,000 $4,838 6.25%
Milledgeville, GA (FHA|USDA|VA) 1 $565,000 $565,000 $5,205 7.00%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2 $560,000 $280,000 $6,376 7.50%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $545,000 $181,667 $9,398 4.25%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $535,000 $535,000 $17,722 6.00%
WINSTON-SALEM, NC (FHA|USDA|VA) 5 $535,000 $107,000 $3,784 5.40%
TWIN FALLS, ID (FHA|USDA|VA) 2 $520,000 $260,000 $14,790 5.69%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $515,000 $515,000 $23,799 5.25%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $490,000 $245,000 $8,378 7.25%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $485,000 $485,000 $13,489 6.13%
JACKSON, TN (FHA|USDA|VA) 1 $475,000 $475,000 $11,778 6.50%
Shelby, NC (FHA|USDA|VA) 3 $465,000 $155,000 $6,399 4.33%
ROME, GA (FHA|USDA|VA) 3 $445,000 $148,333 $7,466 6.83%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $440,000 $220,000 $11,105 6.94%
Aberdeen, WA (FHA|USDA|VA) 1 $415,000 $415,000 $14,577 7.38%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $415,000 $415,000 $19,049 5.13%
GREELEY, CO (FHA|USDA|VA) 1 $415,000 $415,000 $22,387 5.25%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $415,000 $415,000 $6,897 5.13%
Selma, AL (FHA|USDA|VA) 3 $405,000 $135,000 $4,879 7.33%
Muskogee, OK (FHA|USDA|VA) 2 $390,000 $195,000 $9,822 6.94%
GAINESVILLE, GA (FHA|USDA|VA) 1 $385,000 $385,000 $8,160 6.63%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $385,000 $385,000 $11,619 5.75%
DOTHAN, AL (FHA|USDA|VA) 1 $385,000 $385,000 $6,315 6.25%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $385,000 $385,000 $19,551 7.25%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $385,000 $385,000 $18,515 6.63%
West Plains, MO (FHA|USDA|VA) 2 $380,000 $190,000 $5,449 6.00%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $375,000 $375,000 $3,089 6.88%
Ozark, AL (FHA|USDA|VA) 2 $360,000 $180,000 $7,777 6.69%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $355,000 $355,000 $14,281 5.38%
Dayton, TN (FHA|USDA|VA) 2 $350,000 $175,000 $9,647 6.88%
Oxford, MS (FHA|USDA|VA) 1 $345,000 $345,000 $8,536 5.25%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $345,000 $345,000 $4,074 6.50%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $345,000 $345,000 $11,096 5.75%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $335,000 $335,000 $18,727 6.25%
ST. GEORGE, UT (FHA|USDA|VA) 1 $335,000 $335,000 $14,203 6.13%
CASPER, WY (FHA|USDA|VA) 1 $325,000 $325,000 $18,164 5.25%
Alexander City, AL (FHA|USDA|VA) 1 $325,000 $325,000 $5,716 7.13%
PANAMA CITY, FL (FHA|USDA|VA) 1 $325,000 $325,000 $10,949 7.50%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $315,000 $315,000 $18,364 5.75%
COLUMBUS, OH (FHA|USDA|VA) 1 $315,000 $315,000 $0 6.25%
Cornelia, GA (FHA|USDA|VA) 1 $315,000 $315,000 $7,762 6.50%
ROANOKE, VA (FHA|USDA|VA) 1 $305,000 $305,000 $11,681 7.88%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $295,000 $295,000 $9,721 7.38%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $295,000 $295,000 $14,429 6.13%
Boone, NC (FHA|USDA|VA) 1 $285,000 $285,000 $6,850 7.13%
Pecos, TX (FHA|USDA|VA) 1 $285,000 $285,000 $13,576 5.50%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $285,000 $285,000 $4,018 6.50%
MODESTO, CA (FHA|USDA|VA) 1 $285,000 $285,000 $16,457 6.63%
Winnemucca, NV (FHA|USDA|VA) 1 $275,000 $275,000 $15,014 7.13%
LAFAYETTE, LA (FHA|USDA|VA) 3 $275,000 $91,667 $4,744 7.04%
MOBILE, AL (FHA|USDA|VA) 1 $275,000 $275,000 $13,903 6.63%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $265,000 $265,000 $8,315 5.75%
Cookeville, TN (FHA|USDA|VA) 1 $255,000 $255,000 $7,490 7.75%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $255,000 $255,000 $3,937 7.13%
TUCSON, AZ (FHA|USDA|VA) 1 $255,000 $255,000 $12,258 6.50%
LaGrange, GA-AL (FHA|USDA|VA) 3 $255,000 $85,000 $2,761 8.17%
St. Marys, GA (FHA|USDA|VA) 1 $245,000 $245,000 $14,074 6.25%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $245,000 $245,000 $6,312 6.63%
GREEN BAY, WI (FHA|USDA|VA) 1 $245,000 $245,000 $12,971 6.25%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $235,000 $235,000 $9,346 6.13%
VALDOSTA, GA (FHA|USDA|VA) 1 $235,000 $235,000 $5,816 6.63%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $235,000 $235,000 $15,321 6.50%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $235,000 $235,000 $8,074 5.63%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 3 $225,000 $75,000 $2,151 7.08%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $225,000 $225,000 $0 6.13%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $225,000 $225,000 $14,463 7.25%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $220,000 $110,000 $8,012 7.13%
AKRON, OH (FHA|USDA|VA) 1 $215,000 $215,000 $13,468 7.50%
Nacogdoches, TX (FHA|USDA|VA) 1 $215,000 $215,000 $4,404 7.25%
RICHMOND, VA (FHA|USDA|VA) 1 $215,000 $215,000 $12,102 6.00%
Menomonie, WI (FHA|USDA|VA) 1 $215,000 $215,000 $9,433 6.63%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $205,000 $205,000 $11,417 6.63%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $205,000 $205,000 $5,066 6.88%
Crossville, TN (FHA|USDA|VA) 1 $205,000 $205,000 $9,772 6.25%
Alamogordo, NM (FHA|USDA|VA) 1 $205,000 $205,000 $10,190 7.50%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $200,000 $100,000 $9,018 6.75%
JACKSON, MI (FHA|USDA|VA) 1 $195,000 $195,000 $10,030 6.25%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $195,000 $195,000 $8,093 5.63%
Cambridge, OH (FHA|USDA|VA) 1 $195,000 $195,000 $13,396 7.50%
La Grande, OR (FHA|USDA|VA) 1 $195,000 $195,000 $12,325 6.50%
Paris, TN (FHA|USDA|VA) 1 $185,000 $185,000 $5,232 6.50%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $175,000 $175,000 $12,493 7.50%
Summerville, GA (FHA|USDA|VA) 1 $175,000 $175,000 $10,860 6.13%
MEDFORD, OR (FHA|USDA|VA) 1 $175,000 $175,000 $16,657 5.75%
EL PASO, TX (FHA|USDA|VA) 1 $165,000 $165,000 $9,483 6.50%
Kingsville, TX (FHA|USDA|VA) 1 $165,000 $165,000 $6,159 6.13%
CHEYENNE, WY (FHA|USDA|VA) 1 $165,000 $165,000 $0 7.13%
Garden City, KS (FHA|USDA|VA) 1 $155,000 $155,000 $11,561 5.88%
YAKIMA, WA (FHA|USDA|VA) 1 $145,000 $145,000 $0 7.63%
FLORENCE, SC (FHA|USDA|VA) 1 $125,000 $125,000 $5,573 7.63%
Klamath Falls, OR (FHA|USDA|VA) 1 $125,000 $125,000 $10,682 7.00%
SAVANNAH, GA (FHA|USDA|VA) 1 $125,000 $125,000 $5,958 6.00%
ALBANY, GA (FHA|USDA|VA) 1 $115,000 $115,000 $8,706 5.75%
Statesboro, GA (FHA|USDA|VA) 1 $105,000 $105,000 $7,483 6.75%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $105,000 $105,000 $5,614 7.13%
Jasper, AL (FHA|USDA|VA) 2 $100,000 $50,000 $2,637 7.00%
LOUISVILLE, KY (FHA|USDA|VA) 1 $95,000 $95,000 $5,476 6.63%
Tjc Mortgage's top markets include Atlanta, Charlotte, Birmingham, Chattanooga, and Huntsville among others.

Their top states include:
  • Alabama (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 904 $277,660,000 $307,146 $7,865 6.65%
    FHA 515 $142,075,000 $275,874 $13,041 6.60%
    VA 186 $68,770,000 $369,731 $12,456 6.30%
    USDA 34 $6,410,000 $188,529 $7,507 6.27%

    For 2023, Tjc Mortgage's most frequently originated type of loan was Conventional, with 904 originations. Their 2nd most popular type was FHA, with 515 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,409 $430,305,000 $305,397 $9,832 6.58%
    Cash Out Refi 188 $50,120,000 $266,596 $12,142 6.57%
    Refi 42 $14,490,000 $345,000 $9,781 6.72%

    For 2023, Tjc Mortgage's most frequently cited loan purpose was Home Purchase, with 1,409 originations. The 2nd most popular reason was Cash Out Refi, with 188 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,564 $487,280,000 $311,560 $10,406 6.63%
    15 Year 35 $5,535,000 $158,143 $4,928 4.54%
    10 Year 27 $205,000 $7,593 $0 7.33%
    20 Year 9 $1,615,000 $179,444 $8,567 6.51%
    3 Year 2 $10,000 $5,000 $0 0.00%
    Other 2 $270,000 $135,000 $6,129 3.25%

    For 2023, Tjc Mortgage's most frequently cited loan duration was 30 Year, with 1,564 originations. The 2nd most popular length was 15 Year, with 35 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 760 $282,750,000 $372,039
    $4k-5k 217 $54,435,000 $250,853
    $3k-4k 200 $45,040,000 $225,200
    $1k-2k 169 $54,775,000 $324,112
    $2k-3k 144 $32,700,000 $227,083
    $<1k 82 $10,420,000 $127,073

    Tjc Mortgage's average total fees were $10,406, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 760 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 866 $266,230,000 $307,425
    7-8% 464 $141,350,000 $304,634
    5-6% 239 $78,315,000 $327,678
    Over 8% 35 $7,035,000 $201,000
    <2.5% 30 $350,000 $11,667
    4-5% 5 $1,635,000 $327,000

    During 2023, Tjc Mortgage's average interest rate for loans was 6.63%, while their most frequently originated rate bucket for loans was 6-7%, with 866 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 845 $247,345,000 $292,716 $10,115 6.67%
    $100k-200k 338 $52,990,000 $156,775 $7,217 6.79%
    $400k-600k 267 $126,575,000 $474,064 $14,275 6.58%
    $100,000 or less 101 $4,145,000 $41,040 $1,933 5.07%
    $600k-1MM 82 $55,910,000 $681,829 $15,626 6.77%
    $1MM+ 6 $7,950,000 $1,325,000 $23,037 6.54%

    2023 saw Tjc Mortgage place emphasis on $200k-400k loans with 845 originations, totaling $247,345,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 423 $144,525,000 $341,667 $11,220 6.62%
    $50k-75k 389 $79,755,000 $205,026 $8,290 6.39%
    $75k-100k 331 $91,375,000 $276,057 $10,160 6.56%
    $150k-250k 256 $112,910,000 $441,055 $12,457 6.75%
    $50k or less 155 $22,245,000 $143,516 $6,747 6.59%
    $250k+ 82 $42,830,000 $522,317 $12,301 6.93%

    Tjc Mortgage lent most frequently to those with incomes in the $100k-150k range, with 423 originations. The second most popular income band? $50k-75k, with 389 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 221 $69,745,000 $315,588 $13,720 6.48%
    30-36% 207 $61,015,000 $294,758 $8,994 6.53%
    20-30% 168 $48,840,000 $290,714 $7,978 6.60%
    44% 92 $28,170,000 $306,196 $9,728 6.61%
    49% 88 $34,090,000 $387,386 $11,711 6.86%
    47% 83 $26,865,000 $323,675 $11,026 6.63%
    43% 77 $27,095,000 $351,883 $10,906 6.44%
    46% 75 $22,115,000 $294,867 $10,425 6.55%
    42% 74 $22,810,000 $308,243 $10,078 6.35%
    48% 72 $20,460,000 $284,167 $10,897 6.59%
    39% 71 $18,125,000 $255,282 $8,733 6.57%
    41% 68 $16,470,000 $242,206 $8,497 6.73%
    36% 66 $19,120,000 $289,697 $8,696 6.66%
    40% 66 $18,900,000 $286,364 $8,351 6.60%
    45% 63 $18,245,000 $289,603 $9,854 6.48%
    38% 51 $15,045,000 $295,000 $9,744 6.74%
    37% 47 $14,555,000 $309,681 $9,459 6.76%
    <20% 44 $10,220,000 $232,273 $6,441 6.87%
    >60% 5 $2,615,000 $523,000 $15,221 6.45%

    Tjc Mortgage lent most frequently to those with DTI ratios of 50-60%, with 221 originations. The next most common DTI ratio? 30-36%, with 207 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,236 $367,160,000 $297,055 $9,617 6.62%
    Not provided 203 $67,585,000 $332,931 $13,038 6.53%
    Black 144 $40,230,000 $279,375 $9,923 6.41%
    Asian 37 $13,355,000 $360,946 $10,643 6.37%
    American Indian 13 $3,945,000 $303,462 $8,381 6.36%
    Native Hawaiian or Islander 6 $2,640,000 $440,000 $13,615 6.65%

    Approval Rates

    Total approvals of all applications
    98.03%

    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
    33.44%

    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 1,639 $494,915,000 $301,962

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,639 $494,915,000 $301,962

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 54 $8,880,000 $164,444 $5,941 6.78%
    40-60% 120 $29,290,000 $244,083 $7,760 6.68%
    60-80% 359 $121,225,000 $337,674 $10,372 6.85%
    80-100% 1,002 $318,620,000 $317,984 $10,717 6.65%
    Over 100% 41 $15,645,000 $381,585 $18,680 6.30%
    Under 20% 63 $1,255,000 $19,921 $360 3.98%