What loan types does Jmac Lending offer?

Jmac Lending 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 offer mortgages?

Jmac Lending 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's mortgage rates?

Jmac Lending 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?

Jmac Lending is a Independent Mortgage Company headquartered in Sacramento, CA.

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Jmac Lending

Independent Mortgage Company•Sacramento, CAHQ•Wholesale•Reviews near you on Google

We analyzed every closed loan from Jmac Lending — 2.3k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

3/5

Near-National · 49 mkts

Awards

FHA

Superstar

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 performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+39.2 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Strong

Top 40% of lenders

Strong

Top 40% of lenders

Jumbo

Strong

Top 40% of lenders

USDA

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 50 markets

Sound

Top 60% of lenders

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	Strong	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	Sound	Strong	Mediocre	Sound	110	4.8%	+0.766%Above	$2,596Fees
USDA Loans	Acceptable	Sound	—	Acceptable	22	1.0%	+0.130%Above	$715Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Acceptable

Volume1,237

Mix53.6%

Spread

+0.478%Above

Fees

$2,786Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume732

Mix31.7%

Spread

+0.400%Above

Fees

$2,553Fees

VA Loans

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume206

Mix8.9%

Spread

-0.386%Below

Fees

$1,944Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume110

Mix4.8%

Spread

+0.766%Above

Fees

$2,596Fees

USDA Loans

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Acceptable

Volume22

Mix1.0%

Spread

+0.130%Above

Fees

$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

Purchase

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume1,963

Mix85.1%

Spread

+0.402%Above

Fees

$2,601Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume344

Mix14.9%

Spread

+0.335%Above

Fees

$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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast6

CTMANHNJPARI

Midwest7

IAILINMIMNOHWI

South11

ALDEFLGAKYMDNCSCTNTXVA

West9

AZCACOIDNMNVORUTWA

Top Metro Areas by Place Specialization Score

1© Interface Multimedia, Inc. · CC BY-SA 4.0

Tampa, FLMetro

Volume 118Mix 5.11% of portfolio

68/100

Strong

2© Rino Landa · CC BY-SA 4.0

North Port, FLMetro

Volume 72Mix 3.12% of portfolio

67/100

Strong

3© Johnwayne Stroud · CC BY-SA 3.0

Riverside, CAMetro

Volume 136Mix 5.90% of portfolio

67/100

Strong

4© Eric Polk · CC BY-SA 4.0

Los Angeles, CAMetro

Volume 121Mix 5.24% of portfolio

66/100

Strong

Bakersfield, CAMetro

Volume 59Mix 2.56% of portfolio

64/100

Strong

Fresno, CAMetro

Volume 52Mix 2.25% of portfolio

62/100

Strong

West Palm Beach, FLMetro

Volume 56Mix 2.43% of portfolio

62/100

Strong

Anaheim, CAMetro

Volume 57Mix 2.47% of portfolio

61/100

Strong

Orlando, FLMetro

Volume 61Mix 2.64% of portfolio

59/100

Sound

Port St. Lucie, FLMetro

Volume 37Mix 1.60% of portfolio

59/100

Sound

Showing 10 of 49 metro areas

Top States by Place Specialization Score

CaliforniaState

Volume 668Mix 28.96% of portfolio

75/100

Strong

FloridaState

Volume 613Mix 26.57% of portfolio

74/100

Strong

New JerseyState

Volume 143Mix 6.20% of portfolio

67/100

Strong

PennsylvaniaState

Volume 109Mix 4.72% of portfolio

60/100

Strong

UtahState

Volume 64Mix 2.77% of portfolio

58/100

Sound

GeorgiaState

Volume 73Mix 3.16% of portfolio

56/100

Sound

TexasState

Volume 103Mix 4.46% of portfolio

55/100

Sound

ArizonaState

Volume 50Mix 2.17% of portfolio

52/100

Sound

IllinoisState

Volume 49Mix 2.12% of portfolio

52/100

Sound

MarylandState

Volume 41Mix 1.78% of portfolio

51/100

Sound

Showing 10 of 25 states

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.