Jtf Rose Mortgage Rates, Fees & Info
ORANGE, CALEI: 5493002N8SUFLD1HGF75
Tax ID: 33-0932995
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Mortgage Data
Review & Overview
Jtf Rose is a smaller mortgage company specializing in Cash Out Refi and Home Purchase loans. Jtf Rose has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Riverside, and San Diego among others. We have data for 3 markets. (Some data included below & more in-depth data is available with an active subscription.)Jtf Rose has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Jtf Rose 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 relatively high 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 11.70% | 9/1/24 |
| 30 Year Conventional Refi | 6.27% | 9/1/24 |
| 30 Year Cash-out Refi | 11.34% | 9/1/24 |
| 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. | ||
Jtf Rose Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
26Origination Dollar Volume (All Markets)
$5,560,000Relative Rate
Jtf Rose's average 30 year fixed mortgage rate was
10.4%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 3.92%.
Relative Fees (Closing Costs)
Jtf Rose's average total fees/closing costs for a 30 year fixed rate
mortgage were $8,750.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
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 |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 15 | $4,265,000 | $284,333 | $9,218 | 11.34% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 6 | $760,000 | $126,667 | $7,893 | 11.35% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 5 | $535,000 | $107,000 | $5,930 | 11.83% |
Their top states include:
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 26 | $5,560,000 | $213,846 | $7,900 | 11.44% |
For 2023, Jtf Rose's most frequently originated type of loan was Conventional, with 26 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Cash Out Refi | 23 | $4,145,000 | $180,217 | $7,533 | 11.42% |
| Home Purchase | 3 | $1,415,000 | $471,667 | $12,310 | 11.61% |
For 2023, Jtf Rose's most frequently cited loan purpose was Cash Out Refi, with 23 originations. The 2nd most popular reason was Home Purchase, with 3 originations.
Loan Duration/Length
For 2023, Jtf Rose's most frequently cited loan duration was 20 Year, with 8 originations. The 2nd most popular length was 3 Year, with 5 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $5k+ | 5 | $1,255,000 | $251,000 |
| $2k-3k | 3 | $185,000 | $61,667 |
| $3k-4k | 3 | $235,000 | $78,333 |
| $<1k | 1 | $55,000 | $55,000 |
| $1k-2k | 1 | $55,000 | $55,000 |
Jtf Rose's average total fees were $8,750, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 5 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 26 | $5,560,000 | $213,846 |
During 2023, Jtf Rose's average interest rate for loans was 10.40%, while their most frequently originated rate bucket for loans was Over 8%, with 26 originations.
Loan Sizing
2023 saw Jtf Rose place emphasis on $100,000 or less loans with 8 originations, totaling $530,000 in origination value.
Applicant Income
Jtf Rose lent most frequently to those with incomes in the $100k-150k range, with 8 originations. The second most popular income band? $75k-100k, with 6 originations.
Applicant Debt to Income Ratio
Jtf Rose lent most frequently to those with DTI ratios of 49%, with 6 originations. The next most common DTI ratio? <20%, with 3 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications87.80%
Jtf Rose has an average approval rate.
Pick Rate
Approvals leading to origination61.54%
Jtf Rose 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 | 26 | $5,560,000 | $213,846 |