# JMJ FINANCIAL GROUP

> **Canonical URL:** https://saferate.com/lenders/jmj-financial-group


> **📋 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


JMJ FINANCIAL GROUP is a independent mortgage company, headquartered in ALISO VIEJO, CA, serving borrowers across 20 states, with 631 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 78% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 41% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300XRXBA38J60S618
- **Headquarters:** ALISO VIEJO, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 20
- **State List:** AZ, CA, CO, FL, GA, HI, ID, MN, MT, NC, NV, OH, OK, OR, SC, TN, TX, UT, WA, WI
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 22/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.411%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,014
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 631
- **Dollar Volume:** $358 million
- **Applications Received:** 880
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $566,696
- **Average Borrower Income:** $236,452
- **Average Property Value:** $778,582

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 54/100 | 465 | +0.462% | $3,996 | Sound ☺️ |
| FHA | 65/100 | 98 | +0.427% | $4,031 | Strong 😀 |
| VA | 66/100 | 52 | -0.328% | $3,430 | Strong 😀 |
| Jumbo | 62/100 | 16 | +0.883% | $5,733 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 388 loans, Score: 54/100 (Sound)
- Refinance: 77 loans, Score: 52/100 (Sound)

**FHA:**
- Purchase: 90 loans, Score: 65/100 (Strong)

**VA:**
- Purchase: 48 loans, Score: 66/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 57/100 | 538 | $309M | +0.431% | Sound ☺️ |
| Refinance | 52/100 | 93 | $48M | +0.322% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 438 | 0.15% | 74/100 |
| ID | 94 | 0.35% | 65/100 |
| NV | 16 | 0.04% | 46/100 |
| AZ | 15 | 0.02% | 42/100 |
| FL | 12 | 0.00% | 35/100 |
| TN | 10 | 0.01% | 37/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 182 | 75/100 |
| Anaheim | CA | 95 | 72/100 |
| Boise City, ID | ID | 85 | 68/100 |
| Riverside | CA | 72 | 63/100 |
| San Diego | CA | 64 | 63/100 |
| Las Vegas | NV | 16 | 46/100 |
| Non |  | 12 | 22/100 |

## Where This Lender Ranks

JMJ FINANCIAL GROUP appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#13** in Anaheim for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#16** in Anaheim for VA Loans
  - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/va-loans)
- 🏆 **#19** in Anaheim for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#19** in Anaheim for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#20** in Boise City, ID for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/boise-city-id/best-mortgage-lenders/mortgage-companies/fha-loans)

## Frequently Asked Questions

### What loan types does JMJ FINANCIAL GROUP offer?

JMJ FINANCIAL GROUP offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does JMJ FINANCIAL GROUP offer mortgages?

JMJ FINANCIAL GROUP offers mortgages in 20 states: AZ, CA, CO, FL, GA, HI, ID, MN, MT, NC, NV, OH, OK, OR, SC, TN, TX, UT, WA, WI.

### How competitive are JMJ FINANCIAL GROUP's mortgage rates?

JMJ FINANCIAL GROUP has a pricing score of 22/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.411% above market average.

### What type of lender is JMJ FINANCIAL GROUP?

JMJ FINANCIAL GROUP is a non-depository lender that specializes in mortgage origination, headquartered in ALISO VIEJO, CA.

### What is JMJ FINANCIAL GROUP's loan approval success rate?

JMJ FINANCIAL GROUP has a pull-through score of 59/100 (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/jmj-financial-group

### How to Cite

> "JMJ FINANCIAL GROUP Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/jmj-financial-group

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