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TJF
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T. J. Financial

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

T. J. Financial has 180 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pull-through
Strong
4/5
closing strength
Product
Acceptable
2/5
Conventional
Place
Sound
3/5
Single State · 4 mkts

Safe Rate Summary

What They Do Well

  • Strong pull through performance

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Report Card

T. J. Financial performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 4 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Acceptable
Pricing—
Pull Through
Sound
Volume179
Mix99.4%
Spread—
Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Acceptable
Pricing—
Pull Through
Sound
Volume122
Mix67.8%
Spread—
Fees—
Refinance
Overall
Sound
Product
Sound
Pricing—
Pull Through
Sound
Volume58
Mix32.2%
Spread—
Fees—

At a Glance

Lender Overview

Lending Activity
Loans Originated
180
Applications
238
Volume
$108 million
Pricing & Closing
Pullthrough Rate
75.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$601,389
Avg Borrower Income
$237,489
Avg Property Value
$793,000

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

1
1 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
West1
CA

Top Metro Areas by Place Specialization Score

1© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 101Mix 56.11% of portfolio
72/100
Strong
2© Johnwayne Stroud · CC BY-SA 3.0
Riverside, CAMetro
Volume 24Mix 13.33% of portfolio
53/100
Sound
3© André Regius · CC BY-SA 3.0
Anaheim, CAMetro
Volume 19Mix 10.56% of portfolio
53/100
Sound
4© Bernard Gagnon · CC BY-SA 3.0
San Diego, CAMetro
Volume 13Mix 7.22% of portfolio
47/100
Sound

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 180Mix 100.00% of portfolio
69/100
Strong

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.