Tjc Mortgage Rates, Fees & Info
BIRMINGHAM, ALLEI: 54930021DZJ9CEN11D61
Tax ID: 75-3197409
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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: Birmingham, Atlanta, Chattanooga, Seattle, and Cleveland among others. We have data for 96 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 | 6.77% | 11/17/24 |
| 30 Year Conventional Refi | 6.60% | 11/17/24 |
| 30 Year Cash-out Refi | 6.84% | 11/17/24 |
| 30 Year FHA Purchase | 7.50% | 11/17/24 |
| 30 Year FHA Refi | 6.81% | 11/17/24 |
| 30 Year VA Purchase | 6.22% | 11/17/24 |
| 30 Year VA Refi | 5.59% | 11/17/24 |
| 30 Year USDA Purchase | 6.81% | 11/17/24 |
| 30 Year USDA Refi | 6.39% | 11/17/24 |
| 15 Year Conventional Purchase | 6.32% | 11/17/24 |
| 15 Year Conventional Refi | 6.23% | 11/17/24 |
| 15 Year Cash-out Refi | 6.23% | 11/17/24 |
| 15 Year FHA Purchase | 8.42% | 11/17/24 |
| 15 Year VA Purchase | 5.68% | 11/17/24 |
| 15 Year VA Refi | 5.68% | 11/17/24 |
| 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
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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
1,245Origination Dollar Volume (All Markets)
$260,825,000Top 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 |
|---|---|---|---|---|---|
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 348 | $69,800,000 | $200,575 | $4,667 | 4.84% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 194 | $46,870,000 | $241,598 | $5,394 | 4.86% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 259 | $41,845,000 | $161,564 | $5,267 | 4.90% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 74 | $29,870,000 | $403,649 | $5,946 | 4.81% |
| CLEVELAND, TN (FHA|USDA|VA) | 37 | $5,935,000 | $160,405 | $5,253 | 4.85% |
| KNOXVILLE, TN (FHA|USDA|VA) | 26 | $4,680,000 | $180,000 | $6,364 | 4.71% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 14 | $4,350,000 | $310,714 | $7,158 | 4.71% |
| Outside of Metro Areas | 28 | $3,980,000 | $142,143 | $4,910 | 4.77% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 19 | $3,745,000 | $197,105 | $5,584 | 4.97% |
| DALTON, GA (FHA|USDA|VA) | 23 | $3,305,000 | $143,696 | $5,576 | 4.89% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 17 | $3,035,000 | $178,529 | $5,907 | 4.86% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 13 | $2,345,000 | $180,385 | $5,180 | 5.01% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 11 | $2,185,000 | $198,636 | $5,396 | 4.90% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 5 | $2,095,000 | $419,000 | $6,149 | 5.15% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 8 | $1,870,000 | $233,750 | $6,702 | 4.73% |
| Cullman, AL (FHA|USDA|VA) | 6 | $1,570,000 | $261,667 | $4,592 | 4.44% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 5 | $1,515,000 | $303,000 | $7,456 | 5.43% |
| Jasper, AL (FHA|USDA|VA) | 8 | $1,390,000 | $173,750 | $4,827 | 4.64% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $1,365,000 | $455,000 | $6,669 | 5.63% |
| Dayton, TN (FHA|USDA|VA) | 8 | $1,350,000 | $168,750 | $5,638 | 4.64% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 5 | $1,335,000 | $267,000 | $6,273 | 5.10% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 7 | $1,295,000 | $185,000 | $4,899 | 4.36% |
| WENATCHEE, WA (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $3,855 | 4.88% |
| Athens, TN (FHA|USDA|VA) | 8 | $1,190,000 | $148,750 | $6,001 | 4.66% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $1,190,000 | $595,000 | $6,784 | 6.31% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 4 | $1,130,000 | $282,500 | $3,782 | 4.16% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $7,770 | 5.50% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 5 | $855,000 | $171,000 | $6,191 | 4.83% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $4,749 | 3.79% |
| Fort Payne, AL (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $5,353 | 4.81% |
| MONTGOMERY, AL (FHA|USDA|VA) | 5 | $785,000 | $157,000 | $5,164 | 4.98% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $6,800 | 4.31% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $4,478 | 5.06% |
| Alexander City, AL (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $4,033 | 4.94% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $5,956 | 3.75% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $4,765 | 5.00% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $6,885 | 4.44% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $3,088 | 4.67% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $3,437 | 5.08% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $5,505 | 5.44% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $3,881 | 4.92% |
| RICHMOND, VA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,674 | 4.94% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $6,409 | 4.63% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $1,781 | 4.13% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $1,628 | 5.13% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,977 | 4.25% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $4,477 | 4.56% |
| DECATUR, AL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $4,140 | 4.94% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $12,053 | 4.25% |
| Calhoun, GA (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $4,532 | 6.42% |
| GADSDEN, AL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,816 | 4.88% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,687 | 3.88% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $1,901 | 4.38% |
| Elizabeth City, NC (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $3,798 | 5.19% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $4,648 | 5.19% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,834 | 3.25% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,798 | 4.88% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,318 | 4.63% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,828 | 4.75% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,112 | 3.25% |
| Shelton, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,846 | 4.88% |
| Scottsboro, AL (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $4,799 | 4.81% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,899 | 5.13% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,978 | 4.75% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,274 | 5.38% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,335 | 4.75% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $4,600 | 4.56% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $550 | 5.13% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,585 | 4.75% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,043 | 5.25% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,868 | 5.63% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,934 | 3.88% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $375 | 4.63% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,180 | 4.75% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,651 | 4.88% |
| Thomaston, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,323 | 5.38% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,767 | 5.00% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,176 | 5.00% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,576 | 4.75% |
| Newport, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,051 | 4.38% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,959 | 4.88% |
| Waycross, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,355 | 4.75% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,063 | 5.25% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,385 | 5.00% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,565 | 5.13% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,797 | 5.75% |
| Holland, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,138 | 3.75% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,202 | 5.25% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,102 | 5.25% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,700 | 4.63% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,563 | 5.38% |
| Lawrenceburg, TN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,166 | 4.88% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,507 | 4.63% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,354 | 4.50% |
| McMinnville, TN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,855 | 5.00% |
| New Castle, IN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,818 | 5.63% |
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Product Mix
For 2018, Tjc Mortgage's most frequently originated type of loan was Conventional, with 635 originations. Their 2nd most popular type was FHA, with 422 originations.
Loan Reason
For 2018, Tjc Mortgage's most frequently cited loan purpose was Home Purchase, with 946 originations. The 2nd most popular reason was Cash Out Refi, with 224 originations.
Loan Duration/Length
For 2018, Tjc Mortgage's most frequently cited loan duration was 30 Year, with 976 originations. The 2nd most popular length was Other, with 181 originations.
Origination Fees/Closing Costs
Tjc Mortgage's average total fees were $5,240, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 627 originations.
Interest Rates
During 2018, Tjc Mortgage's average interest rate for loans was 4.85%, while their most frequently originated rate bucket for loans was 4-5%, with 875 originations.
Loan Sizing
2018 saw Tjc Mortgage place emphasis on $100k-200k loans with 595 originations, totaling $88,365,000 in origination value.
Applicant Income
Tjc Mortgage lent most frequently to those with incomes in the $50k-75k range, with 359 originations. The second most popular income band? $50k or less, with 326 originations.
Applicant Debt to Income Ratio
Tjc Mortgage lent most frequently to those with DTI ratios of 20-30%, with 204 originations. The next most common DTI ratio? 30-36%, with 190 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.26%
Tjc Mortgage has an average approval rate.
Pick Rate
Approvals leading to origination59.20%
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 | 1,245 | $260,825,000 | $209,498 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 1,245 | $260,825,000 | $209,498 |