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JMJ FINANCIAL GROUP
Independent Mortgage Company|ALISO VIEJO, CA|Multi-Region
Loans Originated
631
Applications
880
Volume
$357 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.411%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,014
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
71.7%
Percentage of applications that result in closed loans
Safe Rate's 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)
Report Card
JMJ FINANCIAL GROUP 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 | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 7 metro areas · 20 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$566,696
Average Borrower Income
$236,452
Average Property Value
$778,582
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Acceptable | Sound | 465 | 73.7% | +0.462% | $3,996 |
FHA Loans | Sound | Strong | Acceptable | Strong | 98 | 15.5% | +0.427% | $4,031 |
VA Loans | Sound | Strong | Acceptable | Sound | 52 | 8.2% | -0.328% | $3,430 |
Jumbo Loans | Sound | Strong | N/A | Sound | 16 | 2.5% | +0.883% | $5,733 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | Mediocre | Sound | 538 | 85.3% | +0.431% | $4,208 |
Refinance | Sound | Sound | Acceptable | Sound | 93 | 14.7% | +0.322% | $3,152 |
Geographic Coverage
Metro Areas
6
States Served
20
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AZCACOFLGAHIIDMNMTNCNVOHOKORSCTNTXUTWAWI
Top Metro Areas by Place Specialization Score
1
Los Angeles, CAMSA
Volume: 182Mix: 28.84%
Place Specialization
Strong
2
Anaheim, CAMSA
Volume: 95Mix: 15.06%
Place Specialization
Strong
3
Boise City, ID, IDMSA
Volume: 85Mix: 13.47%
Place Specialization
Strong
4
San Diego, CAMSA
Volume: 64Mix: 10.14%
Place Specialization
Strong
5
Riverside, CAMSA
Volume: 72Mix: 11.41%
Place Specialization
Strong
6
Las Vegas, NVMSA
Volume: 16Mix: 2.54%
Place Specialization
Sound
Top States by Place Specialization Score
1
CAState
Volume: 438Mix: 69.41%
Place Specialization
Strong
2
IDState
Volume: 94Mix: 14.90%
Place Specialization
Strong
3
NVState
Volume: 16Mix: 2.54%
Place Specialization
Sound
4
AZState
Volume: 15Mix: 2.38%
Place Specialization
Sound
5
TNState
Volume: 10Mix: 1.58%
Place Specialization
Acceptable
6
FLState
Volume: 12Mix: 1.90%
Place Specialization
Acceptable
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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