# TJC Mortgage, Inc.

> **Canonical URL:** https://saferate.com/lenders/tjc-mortgage


> **📋 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


TJC Mortgage, Inc. is a independent mortgage company, headquartered in WETUMPKA, AL, serving borrowers across 39 states, with 1,434 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 80% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 47% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 54930021DZJ9CEN11D61
- **Headquarters:** WETUMPKA, AL
- **Geographic Reach:** Near-National
- **States Served:** 39
- **State List:** AL, AR, AZ, CA, CO, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MT, NC, ND, NE, NJ, NM, NV, OH, OR, PA, RI, SC, TN, TX, VA, WA, WI, WV
- **Markets (MSAs):** 30
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 20/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.388%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,134
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,434
- **Dollar Volume:** $472 million
- **Applications Received:** 2,315
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $329,463
- **Average Borrower Income:** $120,790
- **Average Property Value:** $416,416

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 62/100 | 741 | +0.383% | $4,055 | Strong 😀 |
| FHA | 78/100 | 522 | +0.617% | $4,223 | Strong 😀 |
| VA | 70/100 | 142 | -0.359% | $4,384 | Strong 😀 |
| USDA | 74/100 | 22 | +0.250% | $2,464 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 607 loans, Score: 63/100 (Strong)
- Refinance: 134 loans, Score: 63/100 (Strong)

**FHA:**
- Purchase: 408 loans, Score: 77/100 (Strong)
- Refinance: 114 loans, Score: 79/100 (Strong)

**VA:**
- Purchase: 99 loans, Score: 69/100 (Strong)
- Refinance: 43 loans, Score: 52/100 (Sound)

**USDA:**
- Purchase: 22 loans, Score: 75/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 69/100 | 1,143 | $381M | +0.461% | Strong 😀 |
| Refinance | 69/100 | 291 | $91M | +0.088% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AL | 255 | 0.43% | 78/100 |
| GA | 183 | 0.13% | 68/100 |
| FL | 169 | 0.06% | 61/100 |
| TN | 108 | 0.12% | 63/100 |
| NV | 91 | 0.23% | 66/100 |
| OH | 84 | 0.06% | 58/100 |
| TX | 78 | 0.02% | 53/100 |
| NC | 56 | 0.04% | 53/100 |
| CA | 52 | 0.02% | 49/100 |
| MI | 47 | 0.04% | 52/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 161 | 57/100 |
| Birmingham, AL | AL | 110 | 76/100 |
| Chattanooga, TN | TN-GA | 78 | 73/100 |
| Reno, NV | NV | 75 | 72/100 |
| Charlotte | NC-SC | 64 | 61/100 |
| Marietta, GA | GA | 60 | 64/100 |
| Atlanta | GA | 58 | 58/100 |
| Dayton | OH | 51 | 60/100 |
| San Antonio | TX | 51 | 57/100 |
| Indianapolis | IN | 38 | 54/100 |
| Sacramento | CA | 35 | 54/100 |
| Boston, MA | MA | 31 | 54/100 |
| Punta Gorda, FL | FL | 28 | 60/100 |
| Cape Coral | FL | 27 | 53/100 |
| Detroit | MI | 27 | 52/100 |

## Where This Lender Ranks

TJC Mortgage, Inc. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#10** in Cleveland, TN Mortgage Companies
  - [View Full Rankings](https://saferate.com/cleveland-tn/best-mortgage-lenders/mortgage-companies)
- 🏆 **#10** in Cleveland, TN for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/cleveland-tn/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#10** in Ann Arbor, MI for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/ann-arbor-mi/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#11** in Ann Arbor, MI for FHA Loans
  - [View Full Rankings](https://saferate.com/ann-arbor-mi/best-mortgage-lenders/fha-loans)
- 🏆 **#13** in Gadsden, AL for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/gadsden-al/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#14** in Cleveland, TN for FHA Loans
  - [View Full Rankings](https://saferate.com/cleveland-tn/best-mortgage-lenders/fha-loans)
- 🏆 **#14** in Dalton, GA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/dalton-ga/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#16** in Reno, NV for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/reno-nv/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#16** in Cleveland, TN for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/cleveland-tn/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#18** in Reno, NV for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/reno-nv/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#18** in Cleveland, TN
  - [View Full Rankings](https://saferate.com/cleveland-tn/best-mortgage-lenders)
- 🏆 **#19** in Reno, NV for FHA Loans
  - [View Full Rankings](https://saferate.com/reno-nv/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does TJC Mortgage, Inc. offer?

TJC Mortgage, Inc. offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does TJC Mortgage, Inc. offer mortgages?

TJC Mortgage, Inc. offers mortgages in 39 states: AL, AR, AZ, CA, CO, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MT, NC, ND, NE, NJ, NM, NV, OH, OR, PA, RI, SC, TN, TX, VA, WA, WI, WV.

### How competitive are TJC Mortgage, Inc.'s mortgage rates?

TJC Mortgage, Inc. has a pricing score of 20/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.388% above market average.

### What type of lender is TJC Mortgage, Inc.?

TJC Mortgage, Inc. is a non-depository lender that specializes in mortgage origination, headquartered in WETUMPKA, AL.

### What is TJC Mortgage, Inc.'s loan approval success rate?

TJC Mortgage, Inc. has a pull-through score of 53/100 (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/tjc-mortgage

### How to Cite

> "TJC Mortgage, Inc. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/tjc-mortgage

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