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 Refi, Home Purchase, and Cash Out Refi loans. Jsc has a high proportion of conventional loans. Their top markets by origination volume include: Houston, Dallas, Austin, College Station, and Kerrville among others. We have data for 9 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 a low 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 about average 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% | 4/18/24 |
| 30 Year Conventional Refi | 6.09% | 4/18/24 |
| 30 Year Cash-out Refi | 6.12% | 4/18/24 |
| 15 Year Conventional Purchase | 5.26% | 4/18/24 |
| 15 Year Conventional Refi | 6.03% | 4/18/24 |
| 15 Year Cash-out Refi | 6.03% | 4/18/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
925Origination Dollar Volume (All Markets)
$168,165,000Awards
JSC - 2020
JSC is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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) | 897 | $161,505,000 | $180,050 | $2,663 | 3.65% |
| Outside of Metro Areas | 9 | $1,985,000 | $220,556 | $3,808 | 3.32% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 5 | $1,455,000 | $291,000 | $3,909 | 3.60% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 7 | $1,325,000 | $189,286 | $2,849 | 3.14% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $3,869 | 3.21% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,147 | 3.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,960 | 3.13% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,194 | 2.88% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,018 | 3.13% |
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.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 925 | $168,165,000 | $181,800 | $2,689 | 3.64% |
For 2020, Jsc's most frequently originated type of loan was Conventional, with 925 originations.
Loan Reason
For 2020, Jsc's most frequently cited loan purpose was Refi, with 319 originations. The 2nd most popular reason was Home Purchase, with 208 originations.
Loan Duration/Length
For 2020, Jsc's most frequently cited loan duration was 30 Year, with 380 originations. The 2nd most popular length was 15 Year, with 269 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 901 | $161,665,000 | $179,428 |
| $1k-2k | 24 | $6,500,000 | $270,833 |
Jsc's average total fees were $3,933, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 901 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 499 | $103,265,000 | $206,944 |
| 2.5-3% | 206 | $39,960,000 | $193,981 |
| 4-5% | 161 | $21,275,000 | $132,143 |
| 5-6% | 58 | $3,530,000 | $60,862 |
| <2.5% | 1 | $135,000 | $135,000 |
During 2020, Jsc's average interest rate for loans was 3.48%, while their most frequently originated rate bucket for loans was 3-4%, with 499 originations.
Loan Sizing
2020 saw Jsc place emphasis on $100k-200k loans with 313 originations, totaling $47,135,000 in origination value.
Applicant Income
Jsc lent most frequently to those with incomes in the $100k-150k range, with 292 originations. The second most popular income band? $150k-250k, with 235 originations.
Applicant Debt to Income Ratio
Jsc lent most frequently to those with DTI ratios of 20-30%, with 275 originations. The next most common DTI ratio? 30-36%, with 196 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.80%
Jsc has an average approval rate.
Pick Rate
Approvals leading to origination20.32%
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 | 925 | $168,165,000 | $181,800 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 1 | $35,000 | $35,000 |
| Single Family (1-4 Units):Site-Built | 924 | $168,130,000 | $181,959 |