Tjc Mortgage Rates, Fees & Info

BIRMINGHAM, AL

LEI: 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% 3/28/24
30 Year Conventional Refi 6.60% 3/28/24
30 Year Cash-out Refi 6.84% 3/28/24
30 Year FHA Purchase 7.50% 3/28/24
30 Year FHA Refi 6.81% 3/28/24
30 Year VA Purchase 6.22% 3/28/24
30 Year VA Refi 5.59% 3/28/24
30 Year USDA Purchase 6.81% 3/28/24
30 Year USDA Refi 6.39% 3/28/24
15 Year Conventional Purchase 6.32% 3/28/24
15 Year Conventional Refi 6.23% 3/28/24
15 Year Cash-out Refi 6.23% 3/28/24
15 Year FHA Purchase 8.42% 3/28/24
15 Year VA Purchase 5.68% 3/28/24
15 Year VA Refi 5.68% 3/28/24
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

3,267

Origination Dollar Volume (All Markets)

$844,075,000
Show all (37) awards

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

Their top states include:
  • Alabama (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
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    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 1,666 $431,680,000 $259,112 $4,232 4.22%
    VA 839 $263,555,000 $314,130 $5,201 3.34%
    FHA 701 $139,325,000 $198,752 $7,393 4.23%
    USDA 61 $9,515,000 $155,984 $5,190 4.25%

    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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,530 $427,920,000 $279,686 $4,949 3.89%
    Home Purchase 1,222 $292,300,000 $239,198 $5,178 4.11%
    Cash Out Refi 515 $123,855,000 $240,495 $5,822 4.05%

    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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,218 $613,800,000 $276,736 $5,267 3.78%
    Other 826 $181,060,000 $219,201 $5,198 4.70%
    15 Year 149 $31,275,000 $209,899 $4,211 3.53%
    20 Year 53 $14,485,000 $273,302 $4,664 3.89%
    10 Year 21 $3,455,000 $164,524 $3,115 3.53%

    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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,542 $388,420,000 $251,894
    $2k-3k 607 $123,065,000 $202,743
    $<1k 498 $140,560,000 $282,249
    $3k-4k 311 $77,755,000 $250,016
    $5k+ 158 $68,420,000 $433,038
    $4k-5k 150 $45,590,000 $303,933

    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

    Loan Rate Originations Total Value Average Loan
    3-4% 1,504 $408,140,000 $271,370
    4-5% 1,184 $267,050,000 $225,549
    2.5-3% 370 $126,530,000 $341,973
    5-6% 164 $31,940,000 $194,756
    7-8% 21 $4,205,000 $200,238
    Over 8% 12 $2,650,000 $220,833
    6-7% 10 $3,210,000 $321,000

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,494 $422,410,000 $282,738 $5,295 3.80%
    $100k-200k 1,121 $169,155,000 $150,897 $4,770 4.29%
    $400k-600k 364 $169,100,000 $464,560 $5,970 3.68%
    $100,000 or less 202 $16,710,000 $82,723 $3,981 4.40%
    $600k-1MM 78 $56,440,000 $723,590 $7,514 3.77%
    $1MM+ 8 $10,260,000 $1,282,500 $10,779 5.08%

    2019 saw Tjc Mortgage place emphasis on $200k-400k loans with 1,494 originations, totaling $422,410,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 921 $224,595,000 $243,860 $4,805 3.76%
    $50k-75k 754 $145,670,000 $193,196 $5,224 4.21%
    $100k-150k 532 $153,540,000 $288,609 $5,482 4.10%
    $75k-100k 523 $124,015,000 $237,122 $5,469 4.14%
    $150k-250k 306 $116,640,000 $381,176 $5,293 4.13%
    $250k+ 80 $41,310,000 $516,375 $5,389 4.31%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 554 $132,210,000 $238,646 $4,754 4.10%
    30-36% 527 $133,715,000 $253,729 $4,989 4.17%
    50-60% 155 $37,385,000 $241,194 $7,332 4.29%
    <20% 135 $31,935,000 $236,556 $4,112 4.03%
    43% 117 $27,005,000 $230,812 $5,300 4.25%
    45% 106 $25,090,000 $236,698 $5,952 4.30%
    44% 100 $24,180,000 $241,800 $5,067 4.21%
    42% 99 $22,325,000 $225,505 $5,109 4.27%
    38% 97 $23,395,000 $241,186 $5,209 4.27%
    46% 96 $23,920,000 $249,167 $5,750 4.21%
    40% 95 $23,725,000 $249,737 $5,718 4.24%
    39% 92 $24,640,000 $267,826 $5,357 4.37%
    41% 87 $22,115,000 $254,195 $4,865 4.38%
    37% 87 $20,695,000 $237,874 $5,259 4.18%
    49% 85 $18,905,000 $222,412 $5,422 4.17%
    47% 81 $19,055,000 $235,247 $5,717 4.21%
    36% 81 $17,885,000 $220,802 $5,178 4.29%
    48% 78 $18,820,000 $241,282 $6,395 4.19%
    >60% 9 $1,395,000 $155,000 $3,967 5.07%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,641 $676,645,000 $256,208 $5,104 4.00%
    Black 329 $81,455,000 $247,584 $5,389 4.05%
    Not provided 121 $31,365,000 $259,215 $5,776 3.81%
    Asian 88 $29,050,000 $330,114 $5,544 3.90%
    Not applicable 69 $18,215,000 $263,986 $5,568 4.12%
    Native Hawaiian or Islander 10 $4,430,000 $443,000 $5,137 3.90%
    American Indian 9 $2,915,000 $323,889 $4,032 3.76%

    Approval Rates

    Total approvals of all applications
    97.05%

    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 origination
    60.61%

    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

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 40 $7,710,000 $192,750 $3,705 4.01%
    40-60% 194 $47,000,000 $242,268 $4,099 3.94%
    60-80% 907 $249,625,000 $275,221 $4,863 3.98%
    80-100% 1,967 $498,515,000 $253,439 $5,474 4.07%
    Over 100% 15 $4,955,000 $330,333 $5,732 4.18%
    Under 20% 3 $435,000 $145,000 $3,459 3.92%

    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%