# JLB CORPORATION

> **Canonical URL:** https://saferate.com/lenders/jlb


> **📋 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


JLB CORPORATION is a independent mortgage company, headquartered in Clayton, MO, serving borrowers across 10 states, with 878 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 57% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 18% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300DX0B304LAKUN93
- **Headquarters:** Clayton, MO
- **Geographic Reach:** Multi-Region
- **States Served:** 10
- **State List:** CO, FL, IL, IN, KS, MO, OH, OR, PA, TN
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pull Through: Exceptional 🤩
- Score: 82/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.360%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,641
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 878
- **Dollar Volume:** $200 million
- **Applications Received:** 1,158
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $227,597
- **Average Borrower Income:** $99,601
- **Average Property Value:** $306,879

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 50/100 | 317 | +0.464% | $3,558 | Sound ☺️ |
| FHA | 79/100 | 561 | +0.307% | $3,684 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 118 loans, Score: 38/100 (Acceptable)
- Refinance: 199 loans, Score: 66/100 (Strong)

**FHA:**
- Purchase: 103 loans, Score: 66/100 (Strong)
- Refinance: 458 loans, Score: 85/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 46/100 | 221 | $51M | +0.541% | Sound ☺️ |
| Refinance | 78/100 | 657 | $149M | +0.299% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 486 | 0.65% | 80/100 |
| PA | 217 | 0.18% | 72/100 |
| IL | 57 | 0.05% | 56/100 |
| KS | 55 | 0.18% | 62/100 |
| IN | 45 | 0.05% | 53/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| St. Louis, MO | MO-IL | 411 | 87/100 |
| Pittsburgh, PA | PA | 185 | 80/100 |
| Kansas City, MO | MO-KS | 145 | 71/100 |
| Non |  | 65 | 45/100 |
| Indianapolis | IN | 33 | 54/100 |

## Where This Lender Ranks

JLB CORPORATION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in St. Louis, MO Mortgage Companies
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in Pittsburgh, PA Mortgage Companies
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/mortgage-companies)
- 🏆 **#5** in Pittsburgh, PA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#6** in Missouri Mortgage Companies
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/mortgage-companies)
- 🏆 **#7** in Kansas City, MO Mortgage Companies
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/mortgage-companies)
- 🏆 **#8** in St. Louis, MO for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#11** in Pittsburgh, PA
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders)
- 🏆 **#11** in Pittsburgh, PA for FHA Loans
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/fha-loans)
- 🏆 **#13** in Missouri for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#14** in Kansas City, MO for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#15** in St. Louis, MO for FHA Loans
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/fha-loans)
- 🏆 **#16** in St. Louis, MO
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders)
- 🏆 **#20** in Kansas City, MO
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does JLB CORPORATION offer?

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

### Where does JLB CORPORATION offer mortgages?

JLB CORPORATION offers mortgages in 10 states: CO, FL, IL, IN, KS, MO, OH, OR, PA, TN.

### How competitive are JLB CORPORATION's mortgage rates?

JLB CORPORATION has a pricing score of 43/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.360% above market average.

### What type of lender is JLB CORPORATION?

JLB CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in Clayton, MO.

### What is JLB CORPORATION's loan approval success rate?

JLB CORPORATION has a pull-through score of 82/100 (Exceptional). 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/jlb

### How to Cite

> "JLB CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/jlb

---

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