Tjc Mortgage Rates, Fees & Info

BIRMINGHAM, AL

LEI: 54930021DZJ9CEN11D61

Tax ID: 75-3197409

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

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Mortgage Data

Review & Overview

Tjc Mortgage is a small 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: Seattle, Atlanta, Washington, Birmingham, and Chattanooga among others. We have data for 307 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 an above 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

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

8,165

Origination Dollar Volume (All Markets)

$2,384,535,000
Show all (56) 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
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 580 $216,650,000 $373,534 $4,921 3.05%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 748 $214,290,000 $286,484 $4,898 3.11%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 522 $211,310,000 $404,808 $5,338 2.84%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 662 $159,570,000 $241,042 $4,136 3.16%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 742 $151,110,000 $203,652 $4,989 3.23%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 429 $118,475,000 $276,166 $4,385 3.19%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 329 $104,795,000 $318,526 $4,975 2.95%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 224 $91,490,000 $408,438 $5,412 3.25%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 197 $55,495,000 $281,701 $5,449 2.90%
HUNTSVILLE, AL (FHA|USDA|VA) 235 $51,665,000 $219,851 $4,838 3.20%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 123 $40,955,000 $332,967 $4,788 2.63%
KNOXVILLE, TN (FHA|USDA|VA) 168 $37,800,000 $225,000 $5,166 3.19%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 113 $36,985,000 $327,301 $5,881 3.00%
LAFAYETTE, LA (FHA|USDA|VA) 144 $34,510,000 $239,653 $4,861 3.04%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 96 $33,840,000 $352,500 $5,908 2.68%
Outside of Metro Areas 127 $33,745,000 $265,709 $4,977 3.03%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 92 $31,920,000 $346,957 $4,941 2.99%
CLEVELAND, TN (FHA|USDA|VA) 141 $28,305,000 $200,745 $5,503 3.21%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 75 $26,905,000 $358,733 $5,462 2.63%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 93 $26,885,000 $289,086 $2,975 2.80%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 78 $26,490,000 $339,615 $6,011 3.18%
Albertville, AL (FHA|USDA|VA) 130 $21,730,000 $167,154 $4,562 3.30%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 64 $21,380,000 $334,063 $5,779 2.93%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 48 $20,530,000 $427,708 $6,037 2.88%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 67 $19,995,000 $298,433 $5,474 2.96%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 56 $19,600,000 $350,000 $6,128 2.71%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 54 $16,940,000 $313,704 $5,153 2.80%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 35 $15,135,000 $432,429 $7,040 2.91%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 42 $14,620,000 $348,095 $5,475 2.84%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 36 $14,490,000 $402,500 $6,452 2.68%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 46 $14,280,000 $310,435 $4,580 2.82%
JACKSONVILLE, FL (FHA|USDA|VA) 45 $13,575,000 $301,667 $4,824 2.88%
RALEIGH-CARY, NC (FHA|USDA|VA) 39 $13,315,000 $341,410 $4,595 2.73%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 37 $12,425,000 $335,811 $5,359 2.82%
COLORADO SPRINGS, CO (FHA|USDA|VA) 36 $12,420,000 $345,000 $4,846 2.66%
PUNTA GORDA, FL (FHA|USDA|VA) 59 $12,305,000 $208,559 $4,573 2.96%
RICHMOND, VA (FHA|USDA|VA) 32 $10,750,000 $335,938 $4,945 2.57%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 29 $10,425,000 $359,483 $5,429 2.72%
TUSCALOOSA, AL (FHA|USDA|VA) 43 $9,865,000 $229,419 $5,373 3.53%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 18 $9,820,000 $545,556 $8,065 2.77%
DALTON, GA (FHA|USDA|VA) 53 $9,655,000 $182,170 $5,137 3.17%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 45 $9,175,000 $203,889 $5,107 3.35%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 32 $9,090,000 $284,063 $4,523 3.07%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 25 $9,015,000 $360,600 $6,591 2.68%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 24 $8,820,000 $367,500 $4,451 2.65%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 18 $6,530,000 $362,778 $3,719 2.68%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 21 $6,435,000 $306,429 $5,426 2.80%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 24 $5,850,000 $243,750 $4,944 3.05%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 18 $5,680,000 $315,556 $5,000 2.90%
FAYETTEVILLE, NC (FHA|USDA|VA) 18 $5,560,000 $308,889 $4,102 2.63%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 15 $5,215,000 $347,667 $4,645 2.79%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 17 $4,985,000 $293,235 $4,451 2.79%
SALEM, OR (FHA|USDA|VA) 14 $4,850,000 $346,429 $6,252 2.70%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 8 $4,800,000 $600,000 $7,961 2.98%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 15 $4,305,000 $287,000 $3,933 2.71%
COLUMBIA, SC (FHA|USDA|VA) 15 $4,125,000 $275,000 $5,520 3.18%
SAVANNAH, GA (FHA|USDA|VA) 14 $4,110,000 $293,571 $5,335 2.79%
ASHEVILLE, NC (FHA|USDA|VA) 9 $4,105,000 $456,111 $4,414 2.58%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 14 $4,080,000 $291,429 $5,999 2.79%
Dayton, TN (FHA|USDA|VA) 25 $4,075,000 $163,000 $5,161 3.60%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 14 $4,060,000 $290,000 $3,898 2.86%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 11 $3,925,000 $356,818 $5,441 2.63%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 11 $3,875,000 $352,273 $3,878 2.93%
BELLINGHAM, WA (FHA|USDA|VA) 10 $3,850,000 $385,000 $5,489 2.80%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 15 $3,845,000 $256,333 $3,695 3.28%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 14 $3,840,000 $274,286 $4,618 2.90%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 12 $3,560,000 $296,667 $3,754 2.69%
WENATCHEE, WA (FHA|USDA|VA) 11 $3,435,000 $312,273 $4,041 3.06%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 11 $3,375,000 $306,818 $3,499 2.85%
GADSDEN, AL (FHA|USDA|VA) 19 $3,355,000 $176,579 $4,860 3.14%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 15 $3,235,000 $215,667 $4,709 3.10%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 8 $3,210,000 $401,250 $5,564 2.72%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 9 $3,205,000 $356,111 $5,187 2.76%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 10 $3,160,000 $316,000 $3,972 3.11%
Athens, TN (FHA|USDA|VA) 17 $3,065,000 $180,294 $5,254 3.33%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 10 $3,040,000 $304,000 $5,522 2.46%
Talladega-Sylacauga, AL (FHA|USDA|VA) 15 $3,035,000 $202,333 $4,105 3.23%
MONTGOMERY, AL (FHA|USDA|VA) 12 $2,970,000 $247,500 $4,858 3.04%
Oak Harbor, WA (FHA|USDA|VA) 8 $2,910,000 $363,750 $4,005 3.00%
GREELEY, CO (FHA|USDA|VA) 8 $2,700,000 $337,500 $5,310 2.64%
Sevierville, TN (FHA|USDA|VA) 12 $2,690,000 $224,167 $4,607 3.20%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 7 $2,685,000 $383,571 $6,094 2.36%
FORT COLLINS, CO (FHA|USDA|VA) 8 $2,530,000 $316,250 $4,224 2.59%
MODESTO, CA (FHA|USDA|VA) 7 $2,525,000 $360,714 $5,349 2.86%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 7 $2,505,000 $357,857 $6,327 2.61%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 6 $2,380,000 $396,667 $4,088 2.81%
TUCSON, AZ (FHA|USDA|VA) 8 $2,370,000 $296,250 $3,948 2.64%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 9 $2,355,000 $261,667 $3,889 2.60%
Fort Payne, AL (FHA|USDA|VA) 11 $2,335,000 $212,273 $5,749 3.38%
COLUMBUS, OH (FHA|USDA|VA) 8 $2,320,000 $290,000 $6,159 2.83%
WINCHESTER, VA-WV (FHA|USDA|VA) 8 $2,310,000 $288,750 $4,667 2.58%
ROME, GA (FHA|USDA|VA) 9 $2,285,000 $253,889 $3,939 2.88%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 8 $2,280,000 $285,000 $4,877 2.84%
YORK-HANOVER, PA (FHA|USDA|VA) 9 $2,265,000 $251,667 $3,645 3.18%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 8 $2,150,000 $268,750 $3,925 2.67%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 6 $2,120,000 $353,333 $6,636 2.56%
Scottsboro, AL (FHA|USDA|VA) 11 $2,095,000 $190,455 $7,095 3.44%
PORT ST. LUCIE, FL (FHA|USDA|VA) 6 $2,090,000 $348,333 $4,231 2.85%
WARNER ROBINS, GA (FHA|USDA|VA) 9 $2,085,000 $231,667 $3,807 2.86%
THE VILLAGES, FL (FHA|USDA|VA) 7 $1,975,000 $282,143 $4,375 2.79%
MEDFORD, OR (FHA|USDA|VA) 6 $1,960,000 $326,667 $5,464 2.54%
GETTYSBURG, PA (FHA|USDA|VA) 8 $1,950,000 $243,750 $5,884 3.06%
WILMINGTON, NC (FHA|USDA|VA) 4 $1,950,000 $487,500 $5,853 2.78%
DECATUR, AL (FHA|USDA|VA) 13 $1,935,000 $148,846 $4,599 3.29%
STOCKTON, CA (FHA|USDA|VA) 6 $1,920,000 $320,000 $5,414 2.96%
COLUMBUS, GA-AL (FHA|USDA|VA) 9 $1,855,000 $206,111 $5,024 2.96%
VALDOSTA, GA (FHA|USDA|VA) 9 $1,845,000 $205,000 $4,968 2.82%
Alexander City, AL (FHA|USDA|VA) 7 $1,825,000 $260,714 $3,837 2.80%
YUBA CITY, CA (FHA|USDA|VA) 6 $1,820,000 $303,333 $6,042 2.98%
PANAMA CITY, FL (FHA|USDA|VA) 6 $1,810,000 $301,667 $5,280 3.08%
EL PASO, TX (FHA|USDA|VA) 6 $1,750,000 $291,667 $3,551 2.58%
SALINAS, CA (FHA|USDA|VA) 3 $1,735,000 $578,333 $6,122 2.79%
SALISBURY, MD-DE (FHA|USDA|VA) 8 $1,730,000 $216,250 $4,607 2.98%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 5 $1,565,000 $313,000 $5,706 3.15%
Jefferson, GA (FHA|USDA|VA) 6 $1,560,000 $260,000 $4,704 2.94%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 4 $1,550,000 $387,500 $4,462 2.56%
Opelousas, LA (FHA|USDA|VA) 6 $1,550,000 $258,333 $4,242 2.85%
LYNCHBURG, VA (FHA|USDA|VA) 5 $1,545,000 $309,000 $4,038 2.55%
GAINESVILLE, GA (FHA|USDA|VA) 5 $1,505,000 $301,000 $5,034 3.30%
MORRISTOWN, TN (FHA|USDA|VA) 6 $1,480,000 $246,667 $5,196 3.25%
ST. LOUIS, MO-IL (FHA|USDA|VA) 4 $1,430,000 $357,500 $4,770 2.63%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 5 $1,425,000 $285,000 $4,670 2.75%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 4 $1,380,000 $345,000 $3,785 2.50%
Jasper, AL (FHA|USDA|VA) 7 $1,365,000 $195,000 $6,118 3.23%
Roseburg, OR (FHA|USDA|VA) 5 $1,355,000 $271,000 $3,457 2.85%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 4 $1,350,000 $337,500 $4,452 2.72%
JACKSONVILLE, NC (FHA|USDA|VA) 6 $1,340,000 $223,333 $3,210 2.52%
Shelton, WA (FHA|USDA|VA) 4 $1,340,000 $335,000 $4,073 3.06%
ROANOKE, VA (FHA|USDA|VA) 4 $1,330,000 $332,500 $4,526 2.75%
VALLEJO, CA (FHA|USDA|VA) 4 $1,320,000 $330,000 $5,736 2.97%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 5 $1,295,000 $259,000 $3,417 2.65%
BOULDER, CO (FHA|USDA|VA) 3 $1,265,000 $421,667 $9,481 2.96%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 4 $1,260,000 $315,000 $5,062 2.81%
JACKSON, MS (FHA|USDA|VA) 4 $1,250,000 $312,500 $4,632 3.09%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 5 $1,235,000 $247,000 $3,883 3.20%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 6 $1,230,000 $205,000 $5,791 3.13%
WORCESTER, MA-CT (FHA|USDA|VA) 4 $1,220,000 $305,000 $4,087 2.66%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 5 $1,215,000 $243,000 $4,095 3.45%
Cambridge, MD (FHA|USDA|VA) 4 $1,190,000 $297,500 $8,214 2.97%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $1,110,000 $555,000 $8,069 2.63%
ALBANY, GA (FHA|USDA|VA) 4 $1,110,000 $277,500 $3,214 2.88%
FRESNO, CA (FHA|USDA|VA) 5 $1,105,000 $221,000 $5,285 3.33%
BEND, OR (FHA|USDA|VA) 3 $1,055,000 $351,667 $4,421 2.63%
DOTHAN, AL (FHA|USDA|VA) 5 $1,045,000 $209,000 $3,403 2.78%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 5 $1,045,000 $209,000 $3,905 3.00%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 3 $995,000 $331,667 $6,852 2.75%
PITTSBURGH, PA (FHA|USDA|VA) 3 $955,000 $318,333 $5,416 3.04%
SUMTER, SC (FHA|USDA|VA) 3 $955,000 $318,333 $4,730 2.50%
LONGVIEW, TX (FHA|USDA|VA) 3 $935,000 $311,667 $3,373 2.67%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 3 $935,000 $311,667 $5,882 2.75%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $870,000 $435,000 $4,565 2.63%
EL CENTRO, CA (FHA|USDA|VA) 4 $850,000 $212,500 $3,952 3.22%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 3 $845,000 $281,667 $4,744 2.92%
FLAGSTAFF, AZ (FHA|USDA|VA) 3 $835,000 $278,333 $2,407 2.67%
SPRINGFIELD, MA (FHA|USDA|VA) 2 $820,000 $410,000 $3,312 2.50%
Sonora, CA (FHA|USDA|VA) 2 $820,000 $410,000 $6,952 3.00%
Kerrville, TX (FHA|USDA|VA) 2 $820,000 $410,000 $4,504 2.50%
BAKERSFIELD, CA (FHA|USDA|VA) 4 $810,000 $202,500 $3,333 3.38%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3 $805,000 $268,333 $3,745 3.50%
Ozark, AL (FHA|USDA|VA) 5 $795,000 $159,000 $4,778 2.90%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $795,000 $265,000 $4,125 2.92%
BRUNSWICK, GA (FHA|USDA|VA) 3 $785,000 $261,667 $3,636 2.96%
Summerville, GA (FHA|USDA|VA) 6 $780,000 $130,000 $4,892 3.38%
WINSTON-SALEM, NC (FHA|USDA|VA) 4 $760,000 $190,000 $3,365 2.69%
WACO, TX (FHA|USDA|VA) 2 $750,000 $375,000 $7,759 2.56%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $740,000 $370,000 $4,860 2.50%
WALLA WALLA, WA (FHA|USDA|VA) 2 $740,000 $370,000 $7,278 2.25%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 2 $730,000 $365,000 $5,511 3.00%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 4 $730,000 $182,500 $4,428 2.97%
Moses Lake, WA (FHA|USDA|VA) 2 $700,000 $350,000 $3,357 3.13%
HINESVILLE, GA (FHA|USDA|VA) 3 $695,000 $231,667 $4,317 2.88%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $690,000 $345,000 $4,015 2.88%
CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $680,000 $340,000 $5,723 2.50%
Fredericksburg, TX (FHA|USDA|VA) 2 $640,000 $320,000 $7,874 2.25%
Newport, OR (FHA|USDA|VA) 2 $630,000 $315,000 $5,525 2.56%
DULUTH, MN-WI (FHA|USDA|VA) 2 $610,000 $305,000 $5,838 2.25%
AKRON, OH (FHA|USDA|VA) 2 $610,000 $305,000 $4,301 2.50%
Sanford, NC (FHA|USDA|VA) 2 $610,000 $305,000 $3,549 2.75%
BATON ROUGE, LA (FHA|USDA|VA) 3 $585,000 $195,000 $4,652 3.08%
Elizabeth City, NC (FHA|USDA|VA) 2 $560,000 $280,000 $3,716 2.63%
Calhoun, GA (FHA|USDA|VA) 4 $560,000 $140,000 $5,564 3.41%
Shelby, NC (FHA|USDA|VA) 2 $560,000 $280,000 $4,386 3.31%
Cornelia, GA (FHA|USDA|VA) 3 $555,000 $185,000 $3,233 2.58%
WICHITA FALLS, TX (FHA|USDA|VA) 2 $550,000 $275,000 $5,967 2.63%
MOBILE, AL (FHA|USDA|VA) 3 $545,000 $181,667 $4,614 2.92%
Port Angeles, WA (FHA|USDA|VA) 2 $540,000 $270,000 $1,652 2.44%
Cullman, AL (FHA|USDA|VA) 4 $540,000 $135,000 $4,462 3.06%
TOLEDO, OH (FHA|USDA|VA) 2 $530,000 $265,000 $2,755 2.75%
LOUISVILLE, KY (FHA|USDA|VA) 2 $530,000 $265,000 $4,445 2.88%
Galesburg, IL (FHA|USDA|VA) 1 $515,000 $515,000 $10,003 2.25%
Albemarle, NC (FHA|USDA|VA) 2 $510,000 $255,000 $2,438 3.19%
Thomasville, GA (FHA|USDA|VA) 1 $495,000 $495,000 $7,463 2.75%
Key West, FL (FHA|USDA|VA) 1 $495,000 $495,000 $6,721 2.75%
REDDING, CA (FHA|USDA|VA) 2 $490,000 $245,000 $3,349 3.06%
Lewisburg, TN (FHA|USDA|VA) 2 $490,000 $245,000 $5,227 3.13%
Arcadia, FL (FHA|USDA|VA) 1 $485,000 $485,000 $2,663 2.88%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 2 $480,000 $240,000 $6,035 3.25%
Duncan, OK (FHA|USDA|VA) 2 $480,000 $240,000 $4,766 2.25%
Greenwood, MS (FHA|USDA|VA) 2 $470,000 $235,000 $7,872 3.44%
Newport, TN (FHA|USDA|VA) 2 $460,000 $230,000 $5,059 2.50%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $455,000 $455,000 $6,641 2.88%
ALBANY-LEBANON, OR (FHA|USDA|VA) 2 $450,000 $225,000 $3,151 2.25%
JOHNSON CITY, TN (FHA|USDA|VA) 3 $445,000 $148,333 $4,215 3.58%
Ellensburg, WA (FHA|USDA|VA) 2 $440,000 $220,000 $5,275 3.25%
Red Bluff, CA (FHA|USDA|VA) 2 $430,000 $215,000 $2,510 3.13%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $415,000 $415,000 $4,872 2.25%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $415,000 $415,000 $9,219 2.75%
YAKIMA, WA (FHA|USDA|VA) 2 $410,000 $205,000 $5,887 2.88%
Waycross, GA (FHA|USDA|VA) 2 $400,000 $200,000 $7,182 3.44%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 2 $400,000 $200,000 $4,883 2.75%
Durango, CO (FHA|USDA|VA) 1 $395,000 $395,000 $2,973 2.25%
KOKOMO, IN (FHA|USDA|VA) 2 $390,000 $195,000 $6,165 3.00%
Jacksonville, TX (FHA|USDA|VA) 1 $385,000 $385,000 $3,606 2.75%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $385,000 $385,000 $4,079 2.50%
Gaffney, SC (FHA|USDA|VA) 2 $380,000 $190,000 $6,341 3.88%
Cedartown, GA (FHA|USDA|VA) 1 $375,000 $375,000 $2,729 3.25%
GRANTS PASS, OR (FHA|USDA|VA) 1 $375,000 $375,000 $0 2.25%
Coos Bay, OR (FHA|USDA|VA) 1 $375,000 $375,000 $4,095 3.13%
MERCED, CA (FHA|USDA|VA) 1 $365,000 $365,000 $7,931 2.63%
Holland, MI (FHA|USDA|VA) 1 $365,000 $365,000 $5,458 2.75%
Union City, TN (FHA|USDA|VA) 1 $365,000 $365,000 $6,039 2.25%
PEORIA, IL (FHA|USDA|VA) 1 $365,000 $365,000 $6,528 2.25%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $355,000 $355,000 $4,021 2.25%
Newberry, SC (FHA|USDA|VA) 1 $355,000 $355,000 $10,120 2.25%
Wapakoneta, OH (FHA|USDA|VA) 1 $355,000 $355,000 $3,759 2.75%
Forest City, NC (FHA|USDA|VA) 2 $350,000 $175,000 $4,574 4.31%
Torrington, CT (FHA|USDA|VA) 1 $345,000 $345,000 $7,454 2.25%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $345,000 $345,000 $2,446 2.63%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $345,000 $345,000 $3,233 3.13%
NAPA, CA (FHA|USDA|VA) 1 $345,000 $345,000 $2,791 2.88%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $340,000 $170,000 $2,694 2.94%
Palestine, TX (FHA|USDA|VA) 1 $335,000 $335,000 $3,016 2.75%
MIDLAND, TX (FHA|USDA|VA) 1 $335,000 $335,000 $1,912 3.25%
Crossville, TN (FHA|USDA|VA) 3 $335,000 $111,667 $3,427 3.42%
CHICO, CA (FHA|USDA|VA) 1 $335,000 $335,000 $2,837 2.88%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $330,000 $165,000 $6,117 3.25%
LONGVIEW, WA (FHA|USDA|VA) 1 $325,000 $325,000 $4,290 2.25%
Athens, TX (FHA|USDA|VA) 1 $325,000 $325,000 $3,770 2.88%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $325,000 $325,000 $3,928 2.50%
OCALA, FL (FHA|USDA|VA) 2 $320,000 $160,000 $5,206 3.06%
HARRISONBURG, VA (FHA|USDA|VA) 1 $315,000 $315,000 $6,615 2.88%
Pullman, WA (FHA|USDA|VA) 1 $315,000 $315,000 $3,338 3.00%
Enterprise, AL (FHA|USDA|VA) 1 $315,000 $315,000 $7,833 2.25%
Marietta, OH (FHA|USDA|VA) 1 $305,000 $305,000 $1,128 2.25%
Americus, GA (FHA|USDA|VA) 1 $305,000 $305,000 $4,240 3.00%
Cullowhee, NC (FHA|USDA|VA) 1 $305,000 $305,000 $2,169 3.38%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $305,000 $305,000 $5,461 2.75%
LaGrange, GA-AL (FHA|USDA|VA) 2 $300,000 $150,000 $8,169 3.06%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $295,000 $295,000 $5,775 2.25%
ODESSA, TX (FHA|USDA|VA) 1 $295,000 $295,000 $6,178 2.25%
Georgetown, SC (FHA|USDA|VA) 1 $295,000 $295,000 $3,163 2.25%
FLORENCE, SC (FHA|USDA|VA) 1 $295,000 $295,000 $4,303 3.63%
Lumberton, NC (FHA|USDA|VA) 1 $295,000 $295,000 $4,199 2.50%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $285,000 $285,000 $6,742 2.50%
Big Stone Gap, VA (FHA|USDA|VA) 1 $285,000 $285,000 $4,075 2.25%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $285,000 $285,000 $1,134 2.75%
St. Marys, GA (FHA|USDA|VA) 1 $275,000 $275,000 $7,113 2.75%
Rockport, TX (FHA|USDA|VA) 1 $275,000 $275,000 $3,854 2.75%
Boone, NC (FHA|USDA|VA) 1 $275,000 $275,000 $3,659 3.00%
ERIE, PA (FHA|USDA|VA) 1 $265,000 $265,000 $4,293 2.75%
CORVALLIS, OR (FHA|USDA|VA) 1 $265,000 $265,000 $1,873 2.75%
Easton, MD (FHA|USDA|VA) 1 $265,000 $265,000 $3,434 2.75%
Columbus, MS (FHA|USDA|VA) 1 $265,000 $265,000 $3,759 2.25%
Show Low, AZ (FHA|USDA|VA) 1 $265,000 $265,000 $3,557 2.25%
Lebanon, NH-VT (FHA|USDA|VA) 1 $255,000 $255,000 $3,622 2.25%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $255,000 $255,000 $1,430 2.25%
Cookeville, TN (FHA|USDA|VA) 1 $255,000 $255,000 $7,828 2.25%
JACKSON, TN (FHA|USDA|VA) 1 $255,000 $255,000 $3,770 2.88%
Traverse City, MI (FHA|USDA|VA) 1 $255,000 $255,000 $2,630 3.00%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $255,000 $255,000 $13,753 3.38%
ABILENE, TX (FHA|USDA|VA) 1 $245,000 $245,000 $3,518 2.75%
Selma, AL (FHA|USDA|VA) 1 $245,000 $245,000 $2,987 3.25%
Beeville, TX (FHA|USDA|VA) 1 $245,000 $245,000 $1,663 2.75%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $235,000 $235,000 $3,997 2.88%
Glenwood Springs, CO (FHA|USDA|VA) 1 $235,000 $235,000 $2,809 2.75%
FLINT, MI (FHA|USDA|VA) 1 $235,000 $235,000 $2,386 2.75%
STAUNTON, VA (FHA|USDA|VA) 1 $235,000 $235,000 $1,503 2.75%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $235,000 $235,000 $1,416 2.75%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $235,000 $235,000 $6,329 2.25%
Brenham, TX (FHA|USDA|VA) 1 $235,000 $235,000 $3,328 2.88%
Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $225,000 $225,000 $3,481 2.50%
LUBBOCK, TX (FHA|USDA|VA) 1 $225,000 $225,000 $5,353 3.50%
TYLER, TX (FHA|USDA|VA) 1 $225,000 $225,000 $2,617 2.25%
MANKATO, MN (FHA|USDA|VA) 1 $215,000 $215,000 $3,651 2.50%
SPARTANBURG, SC (FHA|USDA|VA) 1 $215,000 $215,000 $7,735 2.88%
ROCKFORD, IL (FHA|USDA|VA) 1 $205,000 $205,000 $2,527 2.75%
Norwalk, OH (FHA|USDA|VA) 1 $195,000 $195,000 $2,502 2.25%
LAWTON, OK (FHA|USDA|VA) 1 $195,000 $195,000 $4,634 2.75%
BECKLEY, WV (FHA|USDA|VA) 1 $195,000 $195,000 $3,504 3.00%
Laurinburg, NC (FHA|USDA|VA) 2 $180,000 $90,000 $3,058 3.06%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $165,000 $165,000 $2,807 2.75%
Laurel, MS (FHA|USDA|VA) 1 $165,000 $165,000 $2,831 3.50%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $165,000 $165,000 $6,905 2.88%
Lake City, FL (FHA|USDA|VA) 1 $165,000 $165,000 $4,801 3.63%
DeRidder, LA (FHA|USDA|VA) 1 $155,000 $155,000 $5,286 2.75%
Corinth, MS (FHA|USDA|VA) 1 $155,000 $155,000 $3,382 2.88%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $155,000 $155,000 $4,014 2.75%
Centralia, WA (FHA|USDA|VA) 1 $145,000 $145,000 $4,121 3.38%
Jennings, LA (FHA|USDA|VA) 1 $145,000 $145,000 $5,874 3.13%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $125,000 $125,000 $3,279 2.88%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $125,000 $125,000 $3,206 3.63%
Clarksdale, MS (FHA|USDA|VA) 1 $115,000 $115,000 $10,922 3.63%
JACKSON, MI (FHA|USDA|VA) 1 $105,000 $105,000 $3,367 2.25%
Rockingham, NC (FHA|USDA|VA) 1 $95,000 $95,000 $4,978 4.13%
Sweetwater, TX (FHA|USDA|VA) 1 $85,000 $85,000 $2,739 3.88%
Dublin, GA (FHA|USDA|VA) 1 $85,000 $85,000 $2,306 3.88%
Fort Polk South, LA (FHA|USDA|VA) 1 $75,000 $75,000 $1,206 3.63%
Tjc Mortgage's top markets include Seattle, Atlanta, Washington, Birmingham, and Chattanooga among others.

Their top states include:
  • Georgia (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,975 $1,369,005,000 $275,177 $4,247 3.16%
    VA 2,364 $836,620,000 $353,900 $5,519 2.67%
    FHA 675 $151,675,000 $224,704 $8,025 3.29%
    USDA 151 $27,235,000 $180,364 $5,389 3.23%

    For 2020, Tjc Mortgage's most frequently originated type of loan was Conventional, with 4,975 originations. Their 2nd most popular type was VA, with 2,364 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 4,561 $1,428,145,000 $313,121 $4,571 2.86%
    Home Purchase 2,328 $620,470,000 $266,525 $5,485 3.26%
    Cash Out Refi 1,276 $335,920,000 $263,260 $5,297 3.24%

    For 2020, Tjc Mortgage's most frequently cited loan purpose was Refi, with 4,561 originations. The 2nd most popular reason was Home Purchase, with 2,328 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 7,120 $2,140,490,000 $300,631 $5,079 3.05%
    15 Year 627 $138,295,000 $220,566 $4,058 2.79%
    20 Year 217 $55,085,000 $253,848 $4,192 3.12%
    Other 158 $44,710,000 $282,975 $4,061 3.02%
    10 Year 43 $5,955,000 $138,488 $2,943 3.44%

    For 2020, Tjc Mortgage's most frequently cited loan duration was 30 Year, with 7,120 originations. The 2nd most popular length was 15 Year, with 627 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 3,535 $979,815,000 $277,175
    $2k-3k 1,344 $329,140,000 $244,896
    $<1k 1,098 $360,860,000 $328,652
    $3k-4k 966 $257,430,000 $266,491
    $5k+ 680 $284,320,000 $418,118
    $4k-5k 529 $168,965,000 $319,405

    Tjc Mortgage's average total fees were $5,079, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 3,535 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 3,735 $1,147,225,000 $307,155
    3-4% 3,044 $813,580,000 $267,273
    <2.5% 1,151 $373,445,000 $324,453
    4-5% 223 $48,145,000 $215,897
    5-6% 7 $1,965,000 $280,714
    7-8% 5 $175,000 $35,000

    During 2020, Tjc Mortgage's average interest rate for loans was 3.05%, while their most frequently originated rate bucket for loans was 2.5-3%, with 3,735 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 4,435 $1,293,315,000 $291,616 $4,860 2.95%
    $100k-200k 1,954 $302,950,000 $155,041 $4,385 3.23%
    $400k-600k 1,362 $638,140,000 $468,532 $5,732 2.93%
    $100,000 or less 234 $18,880,000 $80,684 $3,689 3.50%
    $600k-1MM 172 $119,680,000 $695,814 $8,678 3.06%
    $1MM+ 8 $11,570,000 $1,446,250 $14,265 2.92%

    2020 saw Tjc Mortgage place emphasis on $200k-400k loans with 4,435 originations, totaling $1,293,315,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 2,709 $798,235,000 $294,660 $5,031 2.81%
    $100k-150k 1,525 $462,175,000 $303,066 $4,923 3.13%
    $50k-75k 1,395 $299,565,000 $214,742 $4,848 3.21%
    $75k-100k 1,142 $299,120,000 $261,926 $4,966 3.15%
    $150k-250k 931 $339,385,000 $364,538 $4,842 3.12%
    $250k+ 297 $124,515,000 $419,242 $4,969 3.15%

    Tjc Mortgage lent most frequently to those with incomes in the $50k or less range, with 2,709 originations. The second most popular income band? $100k-150k, with 1,525 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    <20% 2,573 $853,245,000 $331,615 $4,924 2.71%
    20-30% 1,528 $417,110,000 $272,978 $4,409 3.13%
    30-36% 1,089 $297,895,000 $273,549 $4,827 3.18%
    44% 262 $71,800,000 $274,046 $5,291 3.30%
    43% 240 $62,590,000 $260,792 $4,904 3.22%
    36% 232 $66,810,000 $287,974 $5,009 3.14%
    41% 225 $58,625,000 $260,556 $5,099 3.23%
    42% 221 $60,535,000 $273,914 $5,177 3.22%
    38% 212 $58,470,000 $275,802 $5,107 3.22%
    40% 201 $52,445,000 $260,920 $4,870 3.26%
    39% 197 $54,455,000 $276,421 $5,237 3.26%
    37% 185 $49,375,000 $266,892 $4,844 3.25%
    50-60% 173 $44,945,000 $259,798 $7,759 3.17%
    45% 159 $43,825,000 $275,629 $5,072 3.19%
    49% 153 $43,705,000 $285,654 $5,382 3.18%
    48% 151 $44,485,000 $294,603 $5,613 3.13%
    46% 147 $38,645,000 $262,891 $5,097 3.19%
    47% 141 $37,745,000 $267,695 $5,187 3.19%
    >60% 2 $1,300,000 $650,000 $14,884 3.69%

    Tjc Mortgage lent most frequently to those with DTI ratios of <20%, with 2,573 originations. The next most common DTI ratio? 20-30%, with 1,528 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 6,506 $1,879,480,000 $288,884 $4,856 3.06%
    Not provided 752 $232,300,000 $308,910 $5,338 2.86%
    Black 560 $161,660,000 $288,679 $5,587 3.02%
    Asian 268 $85,110,000 $317,575 $4,697 2.97%
    Not applicable 31 $10,925,000 $352,419 $4,752 3.08%
    American Indian 33 $10,115,000 $306,515 $4,872 2.81%
    Native Hawaiian or Islander 15 $4,945,000 $329,667 $5,416 2.91%

    Approval Rates

    Total approvals of all applications
    100.00%

    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
    99.88%

    Tjc Mortgage has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 8,165 $2,384,535,000 $292,043

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 56 $15,040,000 $268,571
    Single Family (1-4 Units):Site-Built 8,109 $2,369,495,000 $292,206

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 202 $45,490,000 $225,198 $3,727 2.92%
    40-60% 933 $256,335,000 $274,743 $3,879 2.95%
    60-80% 3,101 $919,955,000 $296,664 $4,653 3.06%
    80-100% 3,616 $1,056,510,000 $292,176 $5,428 3.05%
    Over 100% 135 $45,275,000 $335,370 $8,312 2.80%
    Under 20% 19 $1,355,000 $71,316 $1,454 3.98%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    TJC Mortgage, Inc. FHA mortgage Closing on a mortgage 1 33.3%
    TJC Mortgage, Inc. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%
    TJC Mortgage, Inc. VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%