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, Santa Cruz, San Francisco, Riverside, and Santa Maria 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.
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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
37Origination Dollar Volume (All Markets)
$8,555,000Top 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) | 18 | $3,900,000 | $216,667 | $7,920 | 9.81% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $1,140,000 | $570,000 | $0 | 8.45% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 5 | $1,095,000 | $219,000 | $8,418 | 9.14% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 6 | $850,000 | $141,667 | $6,805 | 10.39% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $18,561 | 8.00% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $4,115 | 10.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $7,204 | 11.10% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,870 | 10.45% |
Their top states include:
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 37 | $8,555,000 | $231,216 | $8,134 | 9.79% |
For 2022, Jtf Rose's most frequently originated type of loan was Conventional, with 37 originations.
Loan Reason
For 2022, Jtf Rose's most frequently cited loan purpose was Cash Out Refi, with 29 originations. The 2nd most popular reason was Home Purchase, with 4 originations.
Loan Duration/Length
For 2022, Jtf Rose's most frequently cited loan duration was 20 Year, with 14 originations. The 2nd most popular length was 30 Year, with 11 originations.
Origination Fees/Closing Costs
Jtf Rose's average total fees were $12,194, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 13 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 33 | $6,445,000 | $195,303 |
| 7-8% | 3 | $1,865,000 | $621,667 |
| 6-7% | 1 | $245,000 | $245,000 |
During 2022, Jtf Rose's average interest rate for loans was 8.84%, while their most frequently originated rate bucket for loans was Over 8%, with 33 originations.
Loan Sizing
2022 saw Jtf Rose place emphasis on $200k-400k loans with 14 originations, totaling $3,780,000 in origination value.
Applicant Income
Jtf Rose lent most frequently to those with incomes in the $150k-250k range, with 9 originations. The second most popular income band? $100k-150k, with 8 originations.
Applicant Debt to Income Ratio
Jtf Rose lent most frequently to those with DTI ratios of 30-36%, with 6 originations. The next most common DTI ratio? 42%, with 4 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications68.92%
Jtf Rose has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination64.86%
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 | 37 | $8,555,000 | $231,216 |