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 score and performance metrics.

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 an overall pricing score of 36.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is JMAC LENDING, INC.?

JMAC LENDING, INC. is a Independent Mortgage Company headquartered in Sacramento, CA.

Unclaimed

Jmac Lending, Inc.

Independent Mortgage Company•Sacramento, CA•Direct to Consumer

We analyzed every closed loan from Jmac Lending — 2.3k loans across 4k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Acceptable

vs. all lenders

Pull Through

Sound

closing strength

Products

Strong

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

Near-National · 49 mkts

Safe Rate Awards⭐VA Superstar

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Safe Rate's Summary

What They Do Well

Particularly strong in Conventional and FHA and VA and Jumbo loans
Nationwide availability with consistent service

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Jmac Lending, Inc. performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Acceptable	Near industry average +39.2 bps above market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
Jumbo	Strong	Highly Competitive Top 40% of lenders
USDA	Sound	Industry Standard Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Near-National50 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Acceptable	Acceptable	1,237	53.6%	+0.478%Above	$2,786Fees
FHA Loans	Sound	Strong	Sound	Sound	732	31.7%	+0.400%Above	$2,553Fees
VA Loans	Strong	Strong	Sound	Strong	206	8.9%	-0.386%Below	$1,944Fees
Jumbo Loans	Acceptable	Strong	Mediocre	Sound	110	4.8%	+0.766%Above	$2,596Fees
USDA Loans	Acceptable	Sound	—	Acceptable	22	1.0%	+0.130%Above	$715Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Acceptable	Sound	1,963	85.1%	+0.402%Above	$2,601Fees
Refinance	Sound	Strong	Acceptable	Sound	344	14.9%	+0.335%Above	$2,744Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

2,307

Applications

3,670

Volume

$1 billion

Pricing & Closing

Avg Rate Spread

+0.392%

vs. market APOR

Avg Net Fees

$2,623

Origination − Credits

Pullthrough Rate

62.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$465,074

Avg Borrower Income

$198,471

Avg Property Value

$605,524

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALAZCACOCTDEFLGAIAIDILINKYMAMDMIMNNCNHNJNMNVOHORPARISCTNTXUTVAWAWI

Top Metro Areas by Place Specialization Score

Tampa, FL, FLMSA

Volume: 118Mix: 5.11%of portfolio

Place

Strong

North Port, FLMSA

Volume: 72Mix: 3.12%of portfolio

Place

Strong

Riverside, CAMSA

Volume: 136Mix: 5.90%of portfolio

Place

Strong

Los Angeles, CAMSA

Volume: 121Mix: 5.24%of portfolio

Place

Strong

Bakersfield, CAMSA

Volume: 59Mix: 2.56%of portfolio

Place

Strong

Fresno, CA, CAMSA

Volume: 52Mix: 2.25%of portfolio

Place

Strong

West Palm Beach, FLMSA

Volume: 56Mix: 2.43%of portfolio

Place

Strong

Anaheim, CAMSA

Volume: 57Mix: 2.47%of portfolio

Place

Strong

Orlando, FLMSA

Volume: 61Mix: 2.64%of portfolio

Place

Sound

Port St. Lucie, FL, FLMSA

Volume: 37Mix: 1.60%of portfolio

Place

Sound

Showing 10 of 49 metro areas

Top States by Place Specialization Score

CAState

Volume: 668Mix: 28.96%of portfolio

Place

Strong

FLState

Volume: 613Mix: 26.57%of portfolio

Place

Strong

NJState

Volume: 143Mix: 6.20%of portfolio

Place

Strong

PAState

Volume: 109Mix: 4.72%of portfolio

Place

Strong

UTState

Volume: 64Mix: 2.77%of portfolio

Place

Sound

GAState

Volume: 73Mix: 3.16%of portfolio

Place

Sound

TXState

Volume: 103Mix: 4.46%of portfolio

Place

Sound

AZState

Volume: 50Mix: 2.17%of portfolio

Place

Sound

ILState

Volume: 49Mix: 2.12%of portfolio

Place

Sound

MDState

Volume: 41Mix: 1.78%of portfolio

Place

Sound

Showing 10 of 25 states

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.