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 Refi loans. Jtf Rose has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Riverside, San Diego, San Francisco, and Sacramento among others. We have data for 10 markets. (Some data included below & more in-depth data is available with an active subscription.)Jtf Rose has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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% | 9/9/24 |
| 30 Year Conventional Refi | 6.27% | 9/9/24 |
| 30 Year Cash-out Refi | 11.34% | 9/9/24 |
| 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
89Origination Dollar Volume (All Markets)
$17,105,000Top 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) | 56 | $12,130,000 | $216,607 | $0 | 0.00% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 15 | $1,775,000 | $118,333 | $0 | 0.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 9 | $1,575,000 | $175,000 | $0 | 0.00% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $0 | 0.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 0.00% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
Their top states include:
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 89 | $17,105,000 | $192,191 | $0 | 0.00% |
For 2018, Jtf Rose's most frequently originated type of loan was Conventional, with 89 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Refi | 84 | $15,540,000 | $185,000 | $0 | 0.00% |
| Home Purchase | 5 | $1,565,000 | $313,000 | $0 | 0.00% |
For 2018, Jtf Rose's most frequently cited loan purpose was Refi, with 84 originations. The 2nd most popular reason was Home Purchase, with 5 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 89 | $17,105,000 | $192,191 | $0 | 0.00% |
For 2018, Jtf Rose's most frequently cited loan duration was Other, with 89 originations.
Loan Sizing
2018 saw Jtf Rose place emphasis on $100k-200k loans with 32 originations, totaling $4,540,000 in origination value.
Applicant Income
Jtf Rose lent most frequently to those with incomes in the $100k-150k range, with 24 originations. The second most popular income band? $50k-75k, with 19 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 89 | $17,105,000 | $192,191 | $0 | 0.00% |
Jtf Rose lent most frequently to those with DTI ratios of Exempt%, with 89 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications68.28%
Jtf Rose has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination51.69%
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 |
|---|---|---|---|
| Exempt | 89 | $17,105,000 | $192,191 |