Jsc Mortgage Rates, Fees & Info
Houston, TXLEI: 5493004RSPU71QRHYI22
Tax ID: 74-1457691
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Mortgage Data
Review & Overview
Jsc is a smaller mortgage company specializing in Home Purchase loans. Jsc has a high proportion of conventional loans. Their top markets by origination volume include: Houston, San Antonio, Dallas, Austin, and College Station among others. We have data for 16 markets. (Some data included below & more in-depth data is available with an active subscription.)Jsc 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. Jsc is typically an average 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 | 5.90% | 12/16/24 |
| 30 Year Conventional Refi | 6.09% | 12/16/24 |
| 30 Year Cash-out Refi | 6.12% | 12/16/24 |
| 15 Year Conventional Purchase | 5.26% | 12/16/24 |
| 15 Year Conventional Refi | 6.03% | 12/16/24 |
| 15 Year Cash-out Refi | 6.03% | 12/16/24 |
| 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. | ||
Jsc Mortgage Calculator
Your Estimates
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This is not an official calculator from Jsc. 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
708Origination Dollar Volume (All Markets)
$136,660,000Awards
JSC - 2023
JSC is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Jsc's average 30 year fixed mortgage rate was
6.41%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of -0.07%.
Relative Fees (Closing Costs)
Jsc's average total fees/closing costs for a 30 year fixed rate
mortgage were $5,167.
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 |
|---|---|---|---|---|---|
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 671 | $127,175,000 | $189,531 | $2,773 | 6.84% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 5 | $2,005,000 | $401,000 | $4,420 | 5.75% |
| Outside of Metro Areas | 8 | $1,510,000 | $188,750 | $4,239 | 6.64% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 7 | $1,485,000 | $212,143 | $2,771 | 6.72% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 4 | $1,420,000 | $355,000 | $3,975 | 6.56% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $5,261 | 6.25% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $6,364 | 7.00% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,846 | 5.88% |
| TYLER, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,897 | 6.38% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,112 | 6.25% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,295 | 8.25% |
| Brenham, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,288 | 5.88% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,394 | 7.25% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,591 | 7.25% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,409 | 5.75% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.49% |
Similar Lenders
We use machine learning to identify the top lenders compared against JSC based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 258
Similarity Rank: 300
Similarity Rank: 360
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Similarity Rank: 714
Similarity Rank: 736
Similarity Rank: 770
Similarity Rank: 1048
Similarity Rank: 1050
Similarity Rank: 1054
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 690 | $134,990,000 | $195,638 | $2,837 | 6.83% |
| HELOC | 18 | $1,670,000 | $92,778 | n/a | 6.49% |
For 2023, Jsc's most frequently originated type of loan was Conventional, with 690 originations. Their 2nd most popular type was HELOC, with 18 originations.
Loan Reason
For 2023, Jsc's most frequently cited loan purpose was Home Purchase, with 326 originations. The 2nd most popular reason was Other, with 175 originations.
Loan Duration/Length
For 2023, Jsc's most frequently cited loan duration was 30 Year, with 363 originations. The 2nd most popular length was 20 Year, with 146 originations.
Origination Fees/Closing Costs
Jsc's average total fees were $5,167, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 446 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 345 | $74,035,000 | $214,594 |
| 7-8% | 160 | $22,520,000 | $140,750 |
| 5-6% | 133 | $34,045,000 | $255,977 |
| Over 8% | 68 | $5,250,000 | $77,206 |
| 4-5% | 2 | $810,000 | $405,000 |
During 2023, Jsc's average interest rate for loans was 6.41%, while their most frequently originated rate bucket for loans was 6-7%, with 345 originations.
Loan Sizing
2023 saw Jsc place emphasis on $100,000 or less loans with 250 originations, totaling $13,470,000 in origination value.
Applicant Income
Jsc lent most frequently to those with incomes in the $150k-250k range, with 199 originations. The second most popular income band? $100k-150k, with 192 originations.
Applicant Debt to Income Ratio
Jsc lent most frequently to those with DTI ratios of 20-30%, with 139 originations. The next most common DTI ratio? 30-36%, with 113 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications78.40%
Jsc has a below average approval rate.
Pick Rate
Approvals leading to origination47.88%
Jsc 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 | 708 | $136,660,000 | $193,023 |