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JMJ Financial Group

Independent Mortgage Company•Aliso Viejo, CAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from JMJ Financial Group — 631 loans across 880 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
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 6 mkts

Safe Rate Summary

What They Do Well

  • Particularly strong in FHA and VA and Jumbo loans

Things to Think About

  • Pricing may be below industry average
  • Higher than average fees ($4,014)

Explore another lender or local market

Report Card

JMJ Financial Group performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+41.1 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume465
Mix73.7%
Spread
+0.462%Above
Fees
$3,996Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume98
Mix15.5%
Spread
+0.427%Above
Fees
$4,031Fees
VA Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume52
Mix8.2%
Spread
-0.328%Below
Fees
$3,430Fees
Jumbo Loans
Overall
Sound
Product
Strong
Pricing—
Pull Through
Sound
Volume16
Mix2.5%
Spread
+0.883%Above
Fees
$5,733Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume538
Mix85.3%
Spread
+0.431%Above
Fees
$4,208Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume93
Mix14.7%
Spread
+0.322%Above
Fees
$3,152Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
631
Applications
880
Volume
$357 million
Pricing & Closing
Avg Rate Spread
+0.411%
vs. market APOR
Avg Net Fees
$4,014
Origination − Credits
Pullthrough Rate
71.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$566,696
Avg Borrower Income
$236,452
Avg Property Value
$778,582

Geographic Coverage

Geographic Performance

Metro Areas
6
markets with activity
States Served
20
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

20
20 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest3
MNOHWI
South7
FLGANCOKSCTNTX
West10
AZCACOHIIDMTNVORUTWA

Top Metro Areas by Place Specialization Score

1© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 182Mix 28.84% of portfolio
75/100
Strong
2© André Regius · CC BY-SA 3.0
Anaheim, CAMetro
Volume 95Mix 15.06% of portfolio
72/100
Strong
3© Leonardo Pires · CC BY 2.0
Boise City, IDMetro
Volume 85Mix 13.47% of portfolio
68/100
Strong
4© Bernard Gagnon · CC BY-SA 3.0
San Diego, CAMetro
Volume 64Mix 10.14% of portfolio
63/100
Strong
5© Johnwayne Stroud · CC BY-SA 3.0
Riverside, CAMetro
Volume 72Mix 11.41% of portfolio
63/100
Strong
6© Roman Eugeniusz · CC BY-SA 3.0
Las Vegas, NVMetro
Volume 16Mix 2.54% of portfolio
46/100
Sound

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 438Mix 69.41% of portfolio
74/100
Strong
Idaho
Idaho
2
IdahoState
Volume 94Mix 14.90% of portfolio
65/100
Strong
Nevada
Nevada
3
NevadaState
Volume 16Mix 2.54% of portfolio
46/100
Sound
Arizona
Arizona
4
ArizonaState
Volume 15Mix 2.38% of portfolio
42/100
Sound
Tennessee
Tennessee
5
TennesseeState
Volume 10Mix 1.58% of portfolio
37/100
Acceptable
Florida
Florida
6
FloridaState
Volume 12Mix 1.90% of portfolio
35/100
Acceptable

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.