# T. J. FINANCIAL, INC.

> **Canonical URL:** https://saferate.com/lenders/t-j-financial


> **📋 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


T. J. FINANCIAL, INC. is a independent mortgage company, headquartered in ARCADIA, CA, with 180 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 39% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493005NIBYLNJC10826
- **Headquarters:** ARCADIA, CA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CA
- **Markets (MSAs):** 4
- **Primary Channel:** wholesale
- **Direct Origination:** 10.9%
- **Brokered/Wholesale:** 89.1%

## Safe Rate Ratings

### Pull Through: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)


### Lending Volume
- **Total Loans:** 180
- **Dollar Volume:** $108 million
- **Applications Received:** 238
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $601,389
- **Average Borrower Income:** $237,489
- **Average Property Value:** $793,000

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 40/100 | 179 | - | - | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 122 loans, Score: 38/100 (Acceptable)
- Refinance: 57 loans, Score: 48/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 37/100 | 122 | $75M | - | Acceptable 🙂 |
| Refinance | 45/100 | 58 | $34M | - | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 180 | 0.06% | 69/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 101 | 72/100 |
| Riverside | CA | 24 | 53/100 |
| Anaheim | CA | 19 | 53/100 |
| San Diego | CA | 13 | 47/100 |

## Frequently Asked Questions

### What loan types does T. J. FINANCIAL, INC. offer?

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

### Where does T. J. FINANCIAL, INC. offer mortgages?

T. J. FINANCIAL, INC. offers mortgages in 1 states: CA.

### What type of lender is T. J. FINANCIAL, INC.?

T. J. FINANCIAL, INC. is a non-depository lender that specializes in mortgage origination, headquartered in ARCADIA, CA.

### What is T. J. FINANCIAL, INC.'s loan approval success rate?

T. J. FINANCIAL, INC. has a pull-through score of 61/100 (Strong). 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/t-j-financial

### How to Cite

> "T. J. FINANCIAL, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/t-j-financial

---

**[View Interactive Profile →](https://saferate.com/lenders/t-j-financial)**