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 and Cash Out Refi 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. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Atlanta, Charlotte, Chattanooga, Birmingham, and Washington among others. We have data for 236 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 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
3,226Origination Dollar Volume (All Markets)
$989,870,000Awards
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TJC Mortgage - 2022
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For 2022, 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 |
|---|---|---|---|---|---|
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 308 | $115,580,000 | $375,260 | $8,822 | 4.86% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 202 | $66,900,000 | $331,188 | $7,672 | 5.26% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 307 | $64,575,000 | $210,342 | $7,817 | 4.56% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 227 | $60,875,000 | $268,172 | $6,283 | 5.02% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 116 | $51,310,000 | $442,328 | $8,566 | 4.77% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 156 | $42,280,000 | $271,026 | $8,109 | 4.85% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 99 | $35,225,000 | $355,808 | $7,832 | 4.73% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 62 | $32,080,000 | $517,419 | $10,070 | 4.37% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 61 | $31,875,000 | $522,541 | $11,033 | 4.92% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 56 | $24,870,000 | $444,107 | $11,039 | 4.50% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 83 | $23,965,000 | $288,735 | $8,664 | 4.97% |
| Albertville, AL (FHA|USDA|VA) | 91 | $19,085,000 | $209,725 | $6,465 | 5.25% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 65 | $17,875,000 | $275,000 | $9,458 | 4.68% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 51 | $17,115,000 | $335,588 | $6,914 | 4.58% |
| Outside of Metro Areas | 76 | $17,080,000 | $224,737 | $6,723 | 4.77% |
| KNOXVILLE, TN (FHA|USDA|VA) | 76 | $16,990,000 | $223,553 | $7,559 | 4.65% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 37 | $14,485,000 | $391,486 | $10,678 | 4.74% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 42 | $14,080,000 | $335,238 | $8,264 | 4.39% |
| TULSA, OK (FHA|USDA|VA) | 47 | $13,645,000 | $290,319 | $7,907 | 4.97% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 35 | $13,555,000 | $387,286 | $11,714 | 4.70% |
| CLEVELAND, TN (FHA|USDA|VA) | 63 | $13,435,000 | $213,254 | $7,876 | 4.50% |
| LAFAYETTE, LA (FHA|USDA|VA) | 41 | $12,045,000 | $293,780 | $6,950 | 4.77% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 29 | $11,055,000 | $381,207 | $11,192 | 4.79% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 36 | $10,680,000 | $296,667 | $7,172 | 4.92% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 16 | $10,410,000 | $650,625 | $17,985 | 4.06% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 21 | $8,235,000 | $392,143 | $9,606 | 4.65% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 26 | $7,070,000 | $271,923 | $11,120 | 4.62% |
| DALTON, GA (FHA|USDA|VA) | 35 | $6,565,000 | $187,571 | $7,587 | 4.95% |
| DECATUR, AL (FHA|USDA|VA) | 28 | $6,540,000 | $233,571 | $7,759 | 4.95% |
| RENO, NV (FHA|USDA|VA) | 17 | $6,385,000 | $375,588 | $10,570 | 4.38% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 9 | $5,115,000 | $568,333 | $14,437 | 3.92% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 13 | $4,365,000 | $335,769 | $9,479 | 5.31% |
| GADSDEN, AL (FHA|USDA|VA) | 19 | $4,125,000 | $217,105 | $6,925 | 5.26% |
| Athens, TN (FHA|USDA|VA) | 19 | $4,025,000 | $211,842 | $7,996 | 4.56% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 18 | $3,860,000 | $214,444 | $6,373 | 4.42% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 12 | $3,820,000 | $318,333 | $7,813 | 4.78% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 13 | $3,785,000 | $291,154 | $7,399 | 4.77% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 9 | $3,655,000 | $406,111 | $12,774 | 3.67% |
| Dayton, TN (FHA|USDA|VA) | 18 | $3,470,000 | $192,778 | $7,847 | 4.95% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 6 | $3,440,000 | $573,333 | $9,053 | 4.79% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 10 | $3,260,000 | $326,000 | $9,307 | 4.10% |
| Fort Payne, AL (FHA|USDA|VA) | 18 | $3,080,000 | $171,111 | $6,693 | 5.13% |
| Scottsboro, AL (FHA|USDA|VA) | 12 | $2,980,000 | $248,333 | $8,705 | 4.58% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 10 | $2,920,000 | $292,000 | $8,406 | 5.15% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 5 | $2,905,000 | $581,000 | $10,533 | 5.18% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 11 | $2,865,000 | $260,455 | $6,733 | 4.74% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 7 | $2,815,000 | $402,143 | $8,373 | 4.64% |
| GAINESVILLE, GA (FHA|USDA|VA) | 9 | $2,815,000 | $312,778 | $8,158 | 4.83% |
| Cullman, AL (FHA|USDA|VA) | 12 | $2,550,000 | $212,500 | $6,977 | 5.46% |
| Calhoun, GA (FHA|USDA|VA) | 10 | $2,530,000 | $253,000 | $8,689 | 5.36% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 10 | $2,520,000 | $252,000 | $6,788 | 5.61% |
| Batesville, AR (FHA|USDA|VA) | 17 | $2,475,000 | $145,588 | $3,335 | 5.08% |
| West Plains, MO (FHA|USDA|VA) | 9 | $2,275,000 | $252,778 | $4,819 | 3.96% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 8 | $2,250,000 | $281,250 | $9,033 | 5.30% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 5 | $2,245,000 | $449,000 | $11,835 | 3.40% |
| YUBA CITY, CA (FHA|USDA|VA) | 5 | $2,245,000 | $449,000 | $14,494 | 4.85% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 5 | $2,175,000 | $435,000 | $15,312 | 4.72% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 7 | $2,155,000 | $307,857 | $14,914 | 3.57% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 9 | $2,045,000 | $227,222 | $7,186 | 4.63% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 6 | $2,040,000 | $340,000 | $8,704 | 4.39% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 8 | $1,960,000 | $245,000 | $5,215 | 5.08% |
| VALLEJO, CA (FHA|USDA|VA) | 4 | $1,960,000 | $490,000 | $14,053 | 4.50% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 7 | $1,955,000 | $279,286 | $7,056 | 5.09% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 8 | $1,940,000 | $242,500 | $8,783 | 5.14% |
| ANN ARBOR, MI (FHA|USDA|VA) | 7 | $1,915,000 | $273,571 | $10,708 | 5.54% |
| Jefferson, GA (FHA|USDA|VA) | 6 | $1,860,000 | $310,000 | $12,206 | 4.50% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 4 | $1,770,000 | $442,500 | $9,869 | 4.97% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 6 | $1,770,000 | $295,000 | $10,706 | 5.35% |
| BURLINGTON, NC (FHA|USDA|VA) | 4 | $1,750,000 | $437,500 | $8,541 | 5.03% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 6 | $1,720,000 | $286,667 | $7,201 | 4.67% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 4 | $1,720,000 | $430,000 | $8,330 | 4.75% |
| STOCKTON, CA (FHA|USDA|VA) | 4 | $1,660,000 | $415,000 | $15,955 | 4.41% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 2 | $1,630,000 | $815,000 | $8,536 | 5.44% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 5 | $1,615,000 | $323,000 | $8,862 | 5.63% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 5 | $1,615,000 | $323,000 | $10,915 | 5.90% |
| Boone, NC (FHA|USDA|VA) | 1 | $1,595,000 | $1,595,000 | $6,837 | 3.38% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 10 | $1,500,000 | $150,000 | $6,576 | 4.78% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 5 | $1,445,000 | $289,000 | $5,287 | 5.95% |
| COLUMBIA, SC (FHA|USDA|VA) | 5 | $1,425,000 | $285,000 | $7,906 | 4.95% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 5 | $1,415,000 | $283,000 | $4,828 | 5.90% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 3 | $1,385,000 | $461,667 | $12,559 | 4.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 4 | $1,360,000 | $340,000 | $8,150 | 3.94% |
| RICHMOND, VA (FHA|USDA|VA) | 6 | $1,330,000 | $221,667 | $5,839 | 4.44% |
| Sevierville, TN (FHA|USDA|VA) | 8 | $1,300,000 | $162,500 | $5,117 | 4.20% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 5 | $1,215,000 | $243,000 | $8,731 | 4.93% |
| MERCED, CA (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $18,767 | 4.88% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 6 | $1,140,000 | $190,000 | $5,404 | 4.54% |
| FRESNO, CA (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $11,389 | 3.33% |
| Jasper, AL (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $7,096 | 4.56% |
| OCALA, FL (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $6,167 | 4.78% |
| Albemarle, NC (FHA|USDA|VA) | 3 | $1,065,000 | $355,000 | $11,797 | 5.04% |
| TUCSON, AZ (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $8,772 | 3.56% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $1,050,000 | $525,000 | $0 | 5.44% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $1,050,000 | $525,000 | $5,331 | 4.06% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $11,589 | 3.67% |
| Heber, UT (FHA|USDA|VA) | 1 | $975,000 | $975,000 | $18,442 | 4.38% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $7,709 | 3.96% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $9,639 | 5.56% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $12,951 | 6.00% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $5,534 | 3.63% |
| GETTYSBURG, PA (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $6,422 | 5.25% |
| MORRISTOWN, TN (FHA|USDA|VA) | 6 | $930,000 | $155,000 | $5,847 | 4.23% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $8,872 | 4.75% |
| PITTSBURGH, PA (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $8,282 | 4.50% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $925,000 | $925,000 | $15,949 | 4.75% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $5,652 | 4.00% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $7,360 | 4.46% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $6,843 | 5.19% |
| SPARTANBURG, SC (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $11,599 | 4.63% |
| THE VILLAGES, FL (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $6,980 | 5.00% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $13,407 | 3.94% |
| Sheridan, WY (FHA|USDA|VA) | 1 | $835,000 | $835,000 | $42,483 | 3.50% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $8,254 | 5.34% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $14,073 | 4.31% |
| ROME, GA (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $7,046 | 4.66% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $8,924 | 3.33% |
| Alexander City, AL (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $5,447 | 4.22% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $7,554 | 3.50% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $2,740 | 4.13% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $8,387 | 4.13% |
| Opelousas, LA (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $5,536 | 5.19% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $9,238 | 4.50% |
| SAVANNAH, GA (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $6,768 | 4.25% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $11,440 | 4.31% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $9,141 | 5.33% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $10,533 | 5.50% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $3,227 | 4.25% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $8,690 | 5.88% |
| Fernley, NV (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $6,876 | 4.83% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $11,972 | 4.69% |
| Ozark, AL (FHA|USDA|VA) | 5 | $615,000 | $123,000 | $4,568 | 4.20% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $5,101 | 3.63% |
| Cornelia, GA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $10,794 | 4.63% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $4,592 | 4.81% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $12,767 | 4.13% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $11,109 | 6.25% |
| Aberdeen, WA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $8,542 | 3.63% |
| Shelby, NC (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $7,949 | 4.94% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $9,218 | 3.88% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $7,692 | 3.06% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $7,473 | 5.25% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $10,122 | 4.88% |
| DOTHAN, AL (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $6,597 | 4.69% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $7,792 | 4.25% |
| MADERA, CA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $9,922 | 4.94% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $31,639 | 2.75% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $6,823 | 6.13% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $6,248 | 4.38% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $3,491 | 2.38% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,596 | 3.38% |
| Lake City, FL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $11,098 | 2.25% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $10,119 | 5.56% |
| Gaffney, SC (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $5,736 | 4.75% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $18,266 | 4.75% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $10,278 | 3.25% |
| REDDING, CA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $9,706 | 4.63% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $4,577 | 4.44% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $10,985 | 5.50% |
| BOISE CITY, ID (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $8,906 | 4.31% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,117 | 2.25% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $19,397 | 4.25% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,631 | 3.13% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 6.88% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,890 | 4.88% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $9,416 | 5.69% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $16,525 | 3.25% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $16,293 | 6.13% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,900 | 3.63% |
| Orangeburg, SC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $9,205 | 6.13% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $19,530 | 2.25% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $15,205 | 4.25% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,206 | 5.13% |
| Cambridge, MD (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,838 | 4.63% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,422 | 4.88% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,199 | 5.13% |
| Pahrump, NV (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $5,589 | 5.38% |
| Easton, MD (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,908 | 5.50% |
| Adrian, MI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $12,688 | 6.13% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $16,659 | 3.38% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $11,136 | 5.25% |
| Mountain Home, AR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $8,040 | 3.25% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,365 | 3.25% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,699 | 4.13% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $11,938 | 4.63% |
| ALTOONA, PA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $16,938 | 4.94% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,086 | 3.25% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,712 | 6.25% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $15,444 | 5.75% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 7.13% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,834 | 5.63% |
| CHICO, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $12,914 | 6.00% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,062 | 3.50% |
| Columbus, MS (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $13,475 | 3.75% |
| AKRON, OH (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,338 | 2.63% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,621 | 2.38% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,718 | 7.50% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,018 | 3.63% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,455 | 3.25% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $7,868 | 4.75% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,441 | 3.00% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,392 | 2.38% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $11,876 | 5.25% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,504 | 5.75% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,011 | 4.25% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $17,098 | 4.13% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $12,941 | 4.25% |
| Summerville, GA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $3,841 | 5.81% |
| Centralia, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,634 | 6.63% |
| Palatka, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,891 | 3.13% |
| Eufaula, AL-GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,574 | 5.50% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,824 | 6.50% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,801 | 5.25% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,955 | 6.50% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $14,286 | 5.63% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,089 | 3.50% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,467 | 4.88% |
| Shawano, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,289 | 3.25% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 5.50% |
| Newport, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $12,236 | 5.63% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,497 | 5.50% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,304 | 3.88% |
| BECKLEY, WV (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,036 | 5.63% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,307 | 7.13% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,820 | 5.00% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,296 | 6.00% |
| Laurinburg, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,265 | 6.75% |
| MONROE, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,394 | 4.50% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,145 | 5.63% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,775 | 6.13% |
| Menomonie, WI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,668 | 5.63% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $8,121 | 5.25% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,264 | 4.88% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.00% |
| RACINE, WI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,965 | 3.88% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $5,522 | 7.25% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,265 | 4.88% |
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Product Mix
For 2022, Tjc Mortgage's most frequently originated type of loan was Conventional, with 2,112 originations. Their 2nd most popular type was FHA, with 657 originations.
Loan Reason
For 2022, Tjc Mortgage's most frequently cited loan purpose was Home Purchase, with 2,163 originations. The 2nd most popular reason was Cash Out Refi, with 855 originations.
Loan Duration/Length
For 2022, Tjc Mortgage's most frequently cited loan duration was 30 Year, with 3,000 originations. The 2nd most popular length was 15 Year, with 142 originations.
Origination Fees/Closing Costs
Tjc Mortgage's average total fees were $8,461, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 966 originations.
Interest Rates
During 2022, Tjc Mortgage's average interest rate for loans was 4.84%, while their most frequently originated rate bucket for loans was 5-6%, with 926 originations.
Loan Sizing
2022 saw Tjc Mortgage place emphasis on $200k-400k loans with 1,601 originations, totaling $463,935,000 in origination value.
Applicant Income
Tjc Mortgage lent most frequently to those with incomes in the $50k-75k range, with 807 originations. The second most popular income band? $100k-150k, with 764 originations.
Applicant Debt to Income Ratio
Tjc Mortgage lent most frequently to those with DTI ratios of 30-36%, with 528 originations. The next most common DTI ratio? 20-30%, with 469 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.98%
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 origination43.37%
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 | 3,226 | $989,870,000 | $306,841 |