# JD BANCSHARES, INC.

> **Canonical URL:** https://saferate.com/lenders/jd-bancshares


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


JD BANCSHARES, INC. is a bank, headquartered in Jennings, LA, serving borrowers across 2 states, with 29 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 89% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 71% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300RO0FORROX83086
- **Headquarters:** Jennings, LA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** FL, LA
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 11/100
- Rating: ●○○○○ (1/5)

### Pull Through: Acceptable 🙂
- Score: 29/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.430%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $444
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 29
- **Dollar Volume:** $7 million
- **Applications Received:** 53
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $239,483
- **Average Borrower Income:** $300,690
- **Average Property Value:** $379,828

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 32/100 | 27 | +0.430% | $438 | Acceptable 🙂 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 16/100 | 14 | $4M | +0.513% | Mediocre 😐 |
| Refinance | 29/100 | 15 | $2M | +0.341% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| LA | 28 | 0.08% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Lake Charles, LA | LA | 15 | 59/100 |

## Where This Lender Ranks

JD BANCSHARES, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#9** in Lake Charles, LA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lake-charles-la/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does JD BANCSHARES, INC. offer?

JD BANCSHARES, INC. offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does JD BANCSHARES, INC. offer mortgages?

JD BANCSHARES, INC. offers mortgages in 2 states: FL, LA.

### How competitive are JD BANCSHARES, INC.'s mortgage rates?

JD BANCSHARES, INC. has a pricing score of 11/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.430% above market average.

### What type of lender is JD BANCSHARES, INC.?

JD BANCSHARES, INC. is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Jennings, LA.

### What is JD BANCSHARES, INC.'s loan approval success rate?

JD BANCSHARES, INC. has a pull-through score of 29/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/jd-bancshares

### How to Cite

> "JD BANCSHARES, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/jd-bancshares

---

**[View Interactive Profile →](https://saferate.com/lenders/jd-bancshares)**