Jtf Rose Mortgage Rates, Fees & Info

ORANGE, CA

LEI: 5493002N8SUFLD1HGF75

Tax ID: 33-0932995

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

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Jtf Rose is a smaller mortgage company specializing in Cash Out Refi loans. Jtf Rose has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Riverside, San Francisco, Oxnard, and San Diego among others. We have data for 8 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. 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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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






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Jtf Rose. 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

    76

    Origination Dollar Volume (All Markets)

    $14,750,000

    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) 47 $10,405,000 $221,383 $8,998 10.16%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 14 $1,980,000 $141,429 $7,795 10.13%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 3 $915,000 $305,000 $12,536 11.16%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 3 $705,000 $235,000 $11,922 10.33%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 5 $395,000 $79,000 $4,717 10.40%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $185,000 $185,000 $2,701 9.95%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $100,000 $50,000 $4,251 10.48%
    STOCKTON, CA (FHA|USDA|VA) 1 $65,000 $65,000 $3,855 11.75%
    Jtf Rose's top markets include Los Angeles, Riverside, San Francisco, Oxnard, and San Diego among others.

    Their top states include:
  • California (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 76 $14,750,000 $194,079 $8,341 10.24%

    For 2019, Jtf Rose's most frequently originated type of loan was Conventional, with 76 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 69 $12,525,000 $181,522 $8,039 10.34%
    Home Purchase 6 $1,610,000 $268,333 $16,177 9.08%
    Refi 1 $615,000 $615,000 $0 9.15%

    For 2019, Jtf Rose's most frequently cited loan purpose was Cash Out Refi, with 69 originations. The 2nd most popular reason was Home Purchase, with 6 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    1 Year 21 $5,195,000 $247,381 $10,688 10.42%
    20 Year 19 $1,575,000 $82,895 $4,737 10.93%
    30 Year 11 $1,675,000 $152,273 $10,813 9.09%
    5 Year 7 $1,295,000 $185,000 $13,685 10.68%
    Other 7 $2,565,000 $366,429 $2,701 10.09%
    10 Year 6 $1,620,000 $270,000 $4,770 9.11%
    3 Year 5 $825,000 $165,000 $6,508 10.17%

    For 2019, Jtf Rose's most frequently cited loan duration was 1 Year, with 21 originations. The 2nd most popular length was 20 Year, with 19 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 25 $5,985,000 $239,400
    $2k-3k 13 $985,000 $75,769
    $1k-2k 7 $585,000 $83,571
    $3k-4k 6 $650,000 $108,333
    $4k-5k 2 $170,000 $85,000
    $<1k 1 $25,000 $25,000

    Jtf Rose's average total fees were $10,813, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 25 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 73 $14,385,000 $197,055
    6-7% 1 $55,000 $55,000
    7-8% 1 $105,000 $105,000

    During 2019, Jtf Rose's average interest rate for loans was 9.09%, while their most frequently originated rate bucket for loans was Over 8%, with 73 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 30 $2,010,000 $67,000 $4,946 10.65%
    $100k-200k 21 $3,095,000 $147,381 $8,069 9.99%
    $200k-400k 16 $4,680,000 $292,500 $14,327 10.06%
    $400k-600k 7 $3,335,000 $476,429 $17,231 9.86%
    $1MM+ 1 $1,015,000 $1,015,000 $0 10.00%
    $600k-1MM 1 $615,000 $615,000 $0 9.15%

    2019 saw Jtf Rose place emphasis on $100,000 or less loans with 30 originations, totaling $2,010,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 23 $6,025,000 $261,957 $10,865 10.35%
    $100k-150k 18 $2,600,000 $144,444 $7,627 10.68%
    $50k-75k 13 $1,865,000 $143,462 $7,579 9.89%
    $250k+ 10 $3,150,000 $315,000 $8,950 9.99%
    $75k-100k 6 $450,000 $75,000 $5,336 9.81%
    $50k or less 5 $455,000 $91,000 $6,398 10.16%

    Jtf Rose lent most frequently to those with incomes in the $150k-250k range, with 23 originations. The second most popular income band? $100k-150k, with 18 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 21 $3,755,000 $178,810 $7,825 10.07%
    30-36% 11 $1,605,000 $145,909 $8,166 10.76%
    40% 5 $545,000 $109,000 $6,742 10.99%
    50-60% 5 $1,035,000 $207,000 $10,552 9.99%
    <20% 4 $1,910,000 $477,500 $4,605 10.09%
    44% 4 $1,110,000 $277,500 $12,936 9.59%
    41% 3 $715,000 $238,333 $12,057 9.50%
    38% 3 $675,000 $225,000 $12,708 10.55%
    42% 3 $955,000 $318,333 $5,397 9.70%
    45% 3 $195,000 $65,000 $4,745 10.78%
    46% 2 $120,000 $60,000 $3,913 11.03%
    37% 2 $510,000 $255,000 $9,259 10.25%
    >60% 2 $450,000 $225,000 $17,947 10.00%
    48% 2 $120,000 $60,000 $3,186 9.23%
    36% 2 $150,000 $75,000 $5,058 11.20%
    43% 1 $205,000 $205,000 $12,786 9.30%
    39% 1 $205,000 $205,000 $13,685 10.50%

    Jtf Rose lent most frequently to those with DTI ratios of 20-30%, with 21 originations. The next most common DTI ratio? 30-36%, with 11 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 52 $9,900,000 $190,385 $8,176 10.16%
    Asian 7 $1,775,000 $253,571 $6,305 10.31%
    Black 7 $1,445,000 $206,429 $9,173 10.68%
    Not provided 8 $1,190,000 $148,750 $8,123 10.14%
    Native Hawaiian or Islander 1 $235,000 $235,000 $16,150 12.00%
    Not applicable 1 $205,000 $205,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    61.20%

    Jtf Rose has a low approval rate. They may have poor market targeting or stringent lending standards.

    Pick Rate

    Approvals leading to origination
    23.68%

    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 76 $14,750,000 $194,079

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 1 $1,015,000 $1,015,000
    Single Family (1-4 Units):Manufactured 1 $105,000 $105,000
    Single Family (1-4 Units):Site-Built 74 $13,630,000 $184,189

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 18 $4,080,000 $226,667 $10,151 10.29%
    40-60% 13 $3,935,000 $302,692 $11,790 9.25%
    60-80% 7 $3,095,000 $442,143 $16,344 9.82%
    Under 20% 38 $3,640,000 $95,789 $5,684 10.61%