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JLB Corporation

Independent Mortgage Company•Clayton, MOHQ•Direct•Reviews near you on Google

We analyzed every closed loan from JLB Corporation — 878 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional
Place
Strong
4/5
Multi-Region · 4 mkts
Safe Rate Awards
FHA Superstar
FHA
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance

Explore another lender or local market

Report Card

JLB Corporation performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+36.0 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume317
Mix36.1%
Spread
+0.464%Above
Fees
$3,558Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Exceptional
Volume561
Mix63.9%
Spread
+0.307%Above
Fees
$3,684Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume221
Mix25.2%
Spread
+0.541%Above
Fees
$2,377Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Exceptional
Volume657
Mix74.8%
Spread
+0.299%Above
Fees
$4,070Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
878
Applications
1,158
Volume
$199 million
Pricing & Closing
Avg Rate Spread
+0.360%
vs. market APOR
Avg Net Fees
$3,641
Origination − Credits
Pullthrough Rate
75.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$227,597
Avg Borrower Income
$99,601
Avg Property Value
$306,879

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

10
10 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
PA
Midwest5
ILINKSMOOH
South2
FLTN
West2
COOR

Top Metro Areas by Place Specialization Score

1© WeaponizingArchitecture · CC BY-SA 4.0
St. Louis, MO, MO-ILMetro
Volume 411Mix 46.81% of portfolio
87/100
Exceptional
2© Dan Gaken · CC BY 2.0
Pittsburgh, PAMetro
Volume 185Mix 21.07% of portfolio
80/100
Exceptional
3© Lasse Fuss · CC BY-SA 3.0
Kansas City, MO, MO-KSMetro
Volume 145Mix 16.51% of portfolio
71/100
Strong
4© TheWxResearcher · CC0
Indianapolis, INMetro
Volume 33Mix 3.76% of portfolio
54/100
Sound

Top States by Place Specialization Score

Missouri
Missouri
1
MissouriState
Volume 486Mix 55.35% of portfolio
80/100
Strong
Pennsylvania
Pennsylvania
2
PennsylvaniaState
Volume 217Mix 24.72% of portfolio
72/100
Strong
Kansas
Kansas
3
KansasState
Volume 55Mix 6.26% of portfolio
62/100
Strong
Illinois
Illinois
4
IllinoisState
Volume 57Mix 6.49% of portfolio
56/100
Sound
Indiana
Indiana
5
IndianaState
Volume 45Mix 5.13% of portfolio
53/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.