# JMAC LENDING, INC.

> **Canonical URL:** https://saferate.com/lenders/jmac-lending


> **📋 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


JMAC LENDING, INC. is a independent mortgage company, headquartered in Sacramento, CA, serving borrowers across 33 states, with 2,307 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 64% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 51% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493009B17HXCVXTD608
- **Headquarters:** Sacramento, CA
- **Geographic Reach:** Near-National
- **States Served:** 33
- **State List:** AL, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KY, MA, MD, MI, MN, NC, NH, NJ, NM, NV, OH, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI
- **Markets (MSAs):** 50
- **Primary Channel:** wholesale
- **Direct Origination:** 3.5%
- **Brokered/Wholesale:** 96.5%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.392%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,623
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,307
- **Dollar Volume:** $1.1 billion
- **Applications Received:** 3,670
- **Market Share:** 6.00%

## Typical Borrower Profile

- **Average Loan Amount:** $465,074
- **Average Borrower Income:** $198,471
- **Average Property Value:** $605,524

## Safe Rate Awards 🏆

- ⭐ **VA Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 60/100 | 1,237 | +0.478% | $2,786 | Strong 😀 |
| FHA | 76/100 | 732 | +0.400% | $2,553 | Strong 😀 |
| VA | 72/100 | 206 | -0.386% | $1,944 | Strong 😀 |
| Jumbo | 76/100 | 110 | +0.766% | $2,596 | Strong 😀 |
| USDA | 52/100 | 22 | +0.130% | $715 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,027 loans, Score: 61/100 (Strong)
- Refinance: 210 loans, Score: 64/100 (Strong)

**FHA:**
- Purchase: 641 loans, Score: 75/100 (Strong)
- Refinance: 91 loans, Score: 76/100 (Strong)

**VA:**
- Purchase: 192 loans, Score: 73/100 (Strong)

**Jumbo:**
- Purchase: 81 loans, Score: 76/100 (Strong)
- Refinance: 29 loans, Score: 79/100 (Strong)

**USDA:**
- Purchase: 22 loans, Score: 51/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 66/100 | 1,963 | $914M | +0.402% | Strong 😀 |
| Refinance | 64/100 | 344 | $159M | +0.335% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 668 | 0.23% | 75/100 |
| FL | 613 | 0.21% | 74/100 |
| NJ | 143 | 0.17% | 67/100 |
| PA | 109 | 0.09% | 60/100 |
| TX | 103 | 0.03% | 55/100 |
| GA | 73 | 0.05% | 56/100 |
| UT | 64 | 0.14% | 58/100 |
| AZ | 50 | 0.05% | 52/100 |
| IL | 49 | 0.04% | 52/100 |
| NC | 49 | 0.03% | 50/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Riverside | CA | 136 | 67/100 |
| Los Angeles | CA | 121 | 66/100 |
| Tampa, FL | FL | 118 | 68/100 |
| Non |  | 98 | 47/100 |
| North Port | FL | 72 | 67/100 |
| Orlando | FL | 61 | 59/100 |
| Bakersfield | CA | 59 | 64/100 |
| Anaheim | CA | 57 | 61/100 |
| Sacramento | CA | 56 | 58/100 |
| West Palm Beach | FL | 56 | 62/100 |
| Fresno, CA | CA | 52 | 62/100 |
| New York | NY-NJ | 51 | 56/100 |
| Jacksonville, FL | FL | 48 | 58/100 |
| Lakewood | NJ | 44 | 57/100 |
| Pittsburgh, PA | PA | 44 | 57/100 |

## Where This Lender Ranks

JMAC LENDING, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#12** in West Palm Beach for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/west-palm-beach/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#14** in Bakersfield for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bakersfield/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#14** in West Palm Beach for VA Loans
  - [View Full Rankings](https://saferate.com/west-palm-beach/best-mortgage-lenders/va-loans)
- 🏆 **#15** in Bakersfield for VA Loans
  - [View Full Rankings](https://saferate.com/bakersfield/best-mortgage-lenders/va-loans)
- 🏆 **#16** in Fresno, CA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fresno-ca/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#17** in Fresno, CA for VA Loans
  - [View Full Rankings](https://saferate.com/fresno-ca/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does JMAC LENDING, INC. offer?

JMAC LENDING, INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does JMAC LENDING, INC. offer mortgages?

JMAC LENDING, INC. offers mortgages in 33 states: AL, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KY, MA, MD, MI, MN, NC, NH, NJ, NM, NV, OH, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI.

### How competitive are JMAC LENDING, INC.'s mortgage rates?

JMAC LENDING, INC. has a pricing score of 36/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.392% above market average.

### What type of lender is JMAC LENDING, INC.?

JMAC LENDING, INC. is a non-depository lender that specializes in mortgage origination, headquartered in Sacramento, CA.

### What is JMAC LENDING, INC.'s loan approval success rate?

JMAC LENDING, INC. has a pull-through score of 49/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## 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/jmac-lending

### How to Cite

> "JMAC LENDING, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/jmac-lending

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