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 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 by origination volume include: Birmingham, Atlanta, Seattle, Chattanooga, and Boston among others. We have data for 189 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% | 11/23/24 |
| 30 Year Conventional Refi | 6.60% | 11/23/24 |
| 30 Year Cash-out Refi | 6.84% | 11/23/24 |
| 30 Year FHA Purchase | 7.50% | 11/23/24 |
| 30 Year FHA Refi | 6.81% | 11/23/24 |
| 30 Year VA Purchase | 6.22% | 11/23/24 |
| 30 Year VA Refi | 5.59% | 11/23/24 |
| 30 Year USDA Purchase | 6.81% | 11/23/24 |
| 30 Year USDA Refi | 6.39% | 11/23/24 |
| 15 Year Conventional Purchase | 6.32% | 11/23/24 |
| 15 Year Conventional Refi | 6.23% | 11/23/24 |
| 15 Year Cash-out Refi | 6.23% | 11/23/24 |
| 15 Year FHA Purchase | 8.42% | 11/23/24 |
| 15 Year VA Purchase | 5.68% | 11/23/24 |
| 15 Year VA Refi | 5.68% | 11/23/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,267Origination Dollar Volume (All Markets)
$844,075,000Awards
TJC Mortgage - 2019
TJC Mortgage is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 500 | $115,020,000 | $230,040 | $4,516 | 4.18% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 430 | $112,580,000 | $261,814 | $5,442 | 4.14% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 254 | $102,730,000 | $404,449 | $5,808 | 3.89% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 419 | $76,105,000 | $181,635 | $5,194 | 4.25% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 94 | $41,570,000 | $442,234 | $5,868 | 4.02% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 147 | $37,205,000 | $253,095 | $5,375 | 4.22% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 69 | $30,625,000 | $443,841 | $5,833 | 3.25% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 140 | $29,740,000 | $212,429 | $4,855 | 4.05% |
| KNOXVILLE, TN (FHA|USDA|VA) | 84 | $17,580,000 | $209,286 | $5,843 | 4.10% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 52 | $15,970,000 | $307,115 | $4,592 | 3.03% |
| CLEVELAND, TN (FHA|USDA|VA) | 77 | $12,925,000 | $167,857 | $4,977 | 4.34% |
| Outside of Metro Areas | 60 | $12,060,000 | $201,000 | $4,520 | 4.32% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 30 | $10,710,000 | $357,000 | $4,790 | 2.95% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 28 | $9,240,000 | $330,000 | $5,881 | 3.29% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 27 | $8,865,000 | $328,333 | $4,751 | 3.33% |
| Albertville, AL (FHA|USDA|VA) | 61 | $8,785,000 | $144,016 | $4,634 | 4.24% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 14 | $7,030,000 | $502,143 | $8,849 | 3.35% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 14 | $6,930,000 | $495,000 | $7,541 | 3.13% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 21 | $6,685,000 | $318,333 | $5,304 | 3.13% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 34 | $6,590,000 | $193,824 | $5,393 | 4.09% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 18 | $6,550,000 | $363,889 | $5,436 | 2.92% |
| DALTON, GA (FHA|USDA|VA) | 43 | $6,205,000 | $144,302 | $5,697 | 4.21% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 22 | $6,130,000 | $278,636 | $4,454 | 2.98% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 18 | $6,040,000 | $335,556 | $7,098 | 4.12% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 20 | $5,990,000 | $299,500 | $3,580 | 3.04% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 19 | $5,745,000 | $302,368 | $6,074 | 4.16% |
| GAINESVILLE, GA (FHA|USDA|VA) | 13 | $4,055,000 | $311,923 | $6,056 | 3.51% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 13 | $3,845,000 | $295,769 | $7,792 | 3.69% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 19 | $3,665,000 | $192,895 | $4,103 | 4.14% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 10 | $3,490,000 | $349,000 | $2,993 | 3.33% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 15 | $3,455,000 | $230,333 | $6,080 | 4.14% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 10 | $3,410,000 | $341,000 | $6,467 | 2.98% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 7 | $3,015,000 | $430,714 | $5,931 | 3.43% |
| Athens, TN (FHA|USDA|VA) | 18 | $2,990,000 | $166,111 | $5,004 | 4.53% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 7 | $2,615,000 | $373,571 | $9,239 | 3.34% |
| DECATUR, AL (FHA|USDA|VA) | 15 | $2,565,000 | $171,000 | $4,910 | 4.05% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 7 | $2,245,000 | $320,714 | $3,260 | 3.41% |
| GADSDEN, AL (FHA|USDA|VA) | 14 | $2,240,000 | $160,000 | $4,655 | 4.30% |
| Sevierville, TN (FHA|USDA|VA) | 13 | $2,205,000 | $169,615 | $4,392 | 4.38% |
| STOCKTON, CA (FHA|USDA|VA) | 6 | $2,130,000 | $355,000 | $7,770 | 3.92% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 11 | $2,075,000 | $188,636 | $4,453 | 4.02% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 7 | $2,045,000 | $292,143 | $4,665 | 4.41% |
| SAVANNAH, GA (FHA|USDA|VA) | 8 | $2,030,000 | $253,750 | $5,225 | 3.61% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 6 | $2,000,000 | $333,333 | $6,871 | 2.88% |
| GREELEY, CO (FHA|USDA|VA) | 5 | $1,945,000 | $389,000 | $8,637 | 2.85% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 11 | $1,935,000 | $175,909 | $5,495 | 4.13% |
| Dayton, TN (FHA|USDA|VA) | 11 | $1,845,000 | $167,727 | $5,321 | 4.23% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 5 | $1,765,000 | $353,000 | $3,809 | 4.20% |
| Scottsboro, AL (FHA|USDA|VA) | 10 | $1,730,000 | $173,000 | $4,444 | 4.00% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 6 | $1,720,000 | $286,667 | $4,482 | 3.65% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 7 | $1,715,000 | $245,000 | $4,883 | 3.57% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 4 | $1,690,000 | $422,500 | $7,348 | 3.75% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 5 | $1,645,000 | $329,000 | $5,181 | 3.08% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 8 | $1,620,000 | $202,500 | $4,584 | 4.33% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 5 | $1,615,000 | $323,000 | $5,119 | 3.33% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 10 | $1,560,000 | $156,000 | $4,540 | 4.43% |
| Oak Harbor, WA (FHA|USDA|VA) | 4 | $1,530,000 | $382,500 | $5,191 | 3.78% |
| FORT COLLINS, CO (FHA|USDA|VA) | 4 | $1,530,000 | $382,500 | $5,193 | 3.19% |
| VALLEJO, CA (FHA|USDA|VA) | 4 | $1,500,000 | $375,000 | $3,959 | 3.03% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 5 | $1,475,000 | $295,000 | $3,781 | 3.48% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 7 | $1,465,000 | $209,286 | $3,753 | 3.71% |
| MONTGOMERY, AL (FHA|USDA|VA) | 8 | $1,460,000 | $182,500 | $4,326 | 4.44% |
| RICHMOND, VA (FHA|USDA|VA) | 5 | $1,375,000 | $275,000 | $5,709 | 3.28% |
| MODESTO, CA (FHA|USDA|VA) | 4 | $1,320,000 | $330,000 | $7,758 | 3.06% |
| Calhoun, GA (FHA|USDA|VA) | 7 | $1,165,000 | $166,429 | $5,673 | 4.11% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 5 | $1,125,000 | $225,000 | $3,065 | 3.70% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 5 | $1,125,000 | $225,000 | $4,611 | 3.93% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $1,030,000 | $515,000 | $4,419 | 3.63% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $4,913 | 4.20% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $3,279 | 3.13% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $4,011 | 3.42% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $9,758 | 3.67% |
| Cullman, AL (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $2,143 | 4.13% |
| MOBILE, AL (FHA|USDA|VA) | 6 | $900,000 | $150,000 | $3,924 | 4.04% |
| Thomasville, GA (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $4,678 | 3.50% |
| Key West, FL (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $6,748 | 3.06% |
| PUEBLO, CO (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $5,050 | 2.79% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $7,451 | 3.75% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $3,340 | 3.13% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $4,890 | 3.63% |
| Jasper, AL (FHA|USDA|VA) | 6 | $830,000 | $138,333 | $3,933 | 4.25% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $4,480 | 3.41% |
| Fort Payne, AL (FHA|USDA|VA) | 6 | $800,000 | $133,333 | $4,605 | 4.00% |
| Jefferson, GA (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $5,342 | 4.38% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $2,909 | 3.29% |
| EL PASO, TX (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $5,257 | 3.00% |
| Port Angeles, WA (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $3,463 | 4.00% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $30,079 | 3.13% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $3,343 | 3.42% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $6,059 | 3.19% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $2,806 | 3.69% |
| LaGrange, GA-AL (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $3,677 | 3.88% |
| BELLINGHAM, WA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $3,410 | 3.94% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $3,235 | 2.94% |
| ABILENE, TX (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $3,291 | 3.00% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 5 | $655,000 | $131,000 | $5,248 | 4.45% |
| Durango, CO (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $6,666 | 2.88% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $3,045 | 3.06% |
| ROME, GA (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $3,579 | 3.81% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $4,084 | 3.38% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $3,946 | 4.44% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $3,847 | 4.13% |
| Summerville, GA (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $4,462 | 4.19% |
| St. Marys, GA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $3,584 | 3.19% |
| Ozark, AL (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $2,581 | 4.04% |
| Nacogdoches, TX (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,461 | 3.00% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $2,375 | 3.50% |
| MORRISTOWN, TN (FHA|USDA|VA) | 5 | $525,000 | $105,000 | $5,443 | 4.63% |
| JACKSON, TN (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $3,783 | 4.42% |
| Cedartown, GA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $6,754 | 4.13% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $9,453 | 2.75% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 4 | $470,000 | $117,500 | $4,119 | 3.75% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $6,132 | 4.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $4,380 | 4.94% |
| Alexander City, AL (FHA|USDA|VA) | 4 | $450,000 | $112,500 | $6,129 | 3.66% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,238 | 4.13% |
| HINESVILLE, GA (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $6,005 | 3.33% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $4,343 | 3.75% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,104 | 3.69% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,916 | 2.88% |
| Brenham, TX (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $12,324 | 2.75% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $6,892 | 2.75% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $5,290 | 3.00% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,358 | 3.00% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,338 | 3.25% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,412 | 4.69% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,986 | 4.69% |
| Laconia, NH (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,389 | 3.63% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $7,148 | 2.75% |
| Shelby, NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,514 | 4.63% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,452 | 3.00% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,805 | 3.94% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,579 | 3.75% |
| Seymour, IN (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $4,597 | 4.50% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,199 | 3.63% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $8,713 | 2.75% |
| REDDING, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,835 | 2.88% |
| Moultrie, GA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,037 | 5.00% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,504 | 2.88% |
| Rockport, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,263 | 3.13% |
| CHICO, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,259 | 2.75% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,510 | 3.75% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,562 | 5.00% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $1,401 | 3.13% |
| VALDOSTA, GA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $5,463 | 4.31% |
| Boone, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,351 | 3.13% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,245 | 2.88% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,163 | 4.00% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,902 | 4.00% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,789 | 4.00% |
| ALBANY, GA (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $6,263 | 5.00% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,365 | 2.75% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,866 | 2.88% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,517 | 2.88% |
| Thomaston, GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,359 | 2.75% |
| Waycross, GA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $4,259 | 3.81% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,234 | 2.88% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,035 | 2.75% |
| Paris, TX (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,616 | 6.56% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $4,500 | 4.88% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,913 | 2.75% |
| Athens, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 2.75% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,407 | 3.25% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,582 | 4.13% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,624 | 4.50% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,061 | 4.50% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,557 | 3.13% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,321 | 3.25% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $3,046 | 6.56% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,211 | 4.75% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,462 | 4.75% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 3.13% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,059 | 4.75% |
| Palestine, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,328 | 3.13% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,155 | 2.75% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,898 | 4.75% |
| Bainbridge, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,731 | 3.63% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 2.88% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,873 | 4.75% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,083 | 3.75% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,563 | 5.25% |
| Lawrenceburg, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,750 | 4.38% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,078 | 4.25% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,465 | 3.75% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,166 | 4.88% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,401 | 4.25% |
| McMinnville, TN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,649 | 4.88% |
| Marion, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,878 | 5.63% |
| Vincennes, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,651 | 5.25% |
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Product Mix
For 2019, Tjc Mortgage's most frequently originated type of loan was Conventional, with 1,666 originations. Their 2nd most popular type was VA, with 839 originations.
Loan Reason
For 2019, Tjc Mortgage's most frequently cited loan purpose was Refi, with 1,530 originations. The 2nd most popular reason was Home Purchase, with 1,222 originations.
Loan Duration/Length
For 2019, Tjc Mortgage's most frequently cited loan duration was 30 Year, with 2,218 originations. The 2nd most popular length was Other, with 826 originations.
Origination Fees/Closing Costs
Tjc Mortgage's average total fees were $5,267, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,542 originations.
Interest Rates
During 2019, Tjc Mortgage's average interest rate for loans was 3.78%, while their most frequently originated rate bucket for loans was 3-4%, with 1,504 originations.
Loan Sizing
2019 saw Tjc Mortgage place emphasis on $200k-400k loans with 1,494 originations, totaling $422,410,000 in origination value.
Applicant Income
Tjc Mortgage lent most frequently to those with incomes in the $50k or less range, with 921 originations. The second most popular income band? $50k-75k, with 754 originations.
Applicant Debt to Income Ratio
Tjc Mortgage lent most frequently to those with DTI ratios of 20-30%, with 554 originations. The next most common DTI ratio? 30-36%, with 527 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.05%
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 origination60.61%
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 | 3,267 | $844,075,000 | $258,364 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 19 | $3,475,000 | $182,895 |
| Single Family (1-4 Units):Site-Built | 3,248 | $840,600,000 | $258,805 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| TJC Mortgage, Inc. | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |