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JMAC LENDING, INC.
Independent Mortgage Company|Sacramento, CA|Near-National
Loans Originated
2,307
Applications
3,670
Volume
$1 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Sound
Safe Rate Awards⭐VA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.392%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,623
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
62.9%
Percentage of applications that result in closed loans
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
Report Card
JMAC LENDING, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 50 metro areas · 33 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$465,074
Average Borrower Income
$198,471
Average Property Value
$605,524
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% | $2,786 |
FHA Loans | Sound | Strong | Sound | Sound | 732 | 31.7% | +0.400% | $2,553 |
VA Loans | Strong | Strong | Sound | Strong | 206 | 8.9% | -0.386% | $1,944 |
Jumbo Loans | Acceptable | Strong | Mediocre | Sound | 110 | 4.8% | +0.766% | $2,596 |
USDA Loans | Acceptable | Sound | N/A | Acceptable | 22 | 1.0% | +0.130% | $715 |
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% | $2,601 |
Refinance | Sound | Strong | Acceptable | Sound | 344 | 14.9% | +0.335% | $2,744 |
Geographic Coverage
Metro Areas
49
States Served
33
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALAZCACOCTDEFLGAIAIDILINKYMAMDMIMNNCNHNJNMNVOHORPARISCTNTXUTVAWAWI
Top Metro Areas by Place Specialization Score
1
Tampa, FL, FLMSA
Volume: 118Mix: 5.11%
Place Specialization
Strong
2
North Port, FLMSA
Volume: 72Mix: 3.12%
Place Specialization
Strong
3
Riverside, CAMSA
Volume: 136Mix: 5.90%
Place Specialization
Strong
4
Los Angeles, CAMSA
Volume: 121Mix: 5.24%
Place Specialization
Strong
5
Bakersfield, CAMSA
Volume: 59Mix: 2.56%
Place Specialization
Strong
6
Fresno, CA, CAMSA
Volume: 52Mix: 2.25%
Place Specialization
Strong
7
West Palm Beach, FLMSA
Volume: 56Mix: 2.43%
Place Specialization
Strong
8
Anaheim, CAMSA
Volume: 57Mix: 2.47%
Place Specialization
Strong
9
Orlando, FLMSA
Volume: 61Mix: 2.64%
Place Specialization
Sound
10
Port St. Lucie, FL, FLMSA
Volume: 37Mix: 1.60%
Place Specialization
Sound
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 668Mix: 28.96%
Place Specialization
Strong
2
FLState
Volume: 613Mix: 26.57%
Place Specialization
Strong
3
NJState
Volume: 143Mix: 6.20%
Place Specialization
Strong
4
PAState
Volume: 109Mix: 4.72%
Place Specialization
Strong
5
UTState
Volume: 64Mix: 2.77%
Place Specialization
Sound
6
GAState
Volume: 73Mix: 3.16%
Place Specialization
Sound
7
TXState
Volume: 103Mix: 4.46%
Place Specialization
Sound
8
AZState
Volume: 50Mix: 2.17%
Place Specialization
Sound
9
ILState
Volume: 49Mix: 2.12%
Place Specialization
Sound
10
MDState
Volume: 41Mix: 1.78%
Place Specialization
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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