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T. J. FINANCIAL, INC.
Independent Mortgage Company|ARCADIA, CA|Single State
Loans Originated
180
Applications
238
Volume
$108 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Pullthrough Rate
75.6%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
Report Card
T. J. FINANCIAL, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | N/A | No data available | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Acceptable | Near industry average | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Acceptable | Near industry average | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Single State · 4 metro areas · 1 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$601,389
Average Borrower Income
$237,489
Average Property Value
$793,000
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Acceptable | N/A | Sound | 179 | 99.4% | — | — |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Acceptable | N/A | Sound | 122 | 67.8% | — | — |
Refinance | Sound | Sound | N/A | Sound | 58 | 32.2% | — | — |
Geographic Coverage
Metro Areas
4
States Served
1
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
CA
Top Metro Areas by Place Specialization Score
1
Los Angeles, CAMSA
Volume: 101Mix: 56.11%
Place Specialization
Strong
2
Riverside, CAMSA
Volume: 24Mix: 13.33%
Place Specialization
Sound
3
Anaheim, CAMSA
Volume: 19Mix: 10.56%
Place Specialization
Sound
4
San Diego, CAMSA
Volume: 13Mix: 7.22%
Place Specialization
Sound
Top States by Place Specialization Score
1
CAState
Volume: 180Mix: 100.00%
Place Specialization
Strong
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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