We analyzed every closed loan from TJC Mortgage — 1.4k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
Near-National · 29 mkts
Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,134)
Explore another lender or local market
Report Card
TJC Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+38.8 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
VA
Strong
Top 40% of lenders
USDA
Strong
Top 40% 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 · 30 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 | 741 | 51.7% | +0.383%Above | $4,055Fees | ||||
FHA Loans | 522 | 36.4% | +0.617%Above | $4,223Fees | ||||
VA Loans | 142 | 9.9% | -0.359%Below | $4,384Fees | ||||
USDA Loans | — | 22 | 1.5% | +0.250%Above | $2,464Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume741
Mix51.7%
Spread
+0.383%Above
Fees
$4,055Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume522
Mix36.4%
Spread
+0.617%Above
Fees
$4,223Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume142
Mix9.9%
Spread
-0.359%Below
Fees
$4,384Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume22
Mix1.5%
Spread
+0.250%Above
Fees
$2,464Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,143 | 79.7% | +0.461%Above | $4,128Fees | ||||
Refinance | 291 | 20.3% | +0.088%Above | $4,158Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume1,143
Mix79.7%
Spread
+0.461%Above
Fees
$4,128Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume291
Mix20.3%
Spread
+0.088%Above
Fees
$4,158Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,434
Applications
2,315
Volume
$472 million
Pricing & Closing
Avg Rate Spread
+0.388%
vs. market APOR
Avg Net Fees
$4,134
Origination − Credits
Pullthrough Rate
61.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$329,463
Avg Borrower Income
$120,790
Avg Property Value
$416,416
Geographic Coverage
Geographic Performance
Metro Areas
29
markets with activity
States Served
39
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
39Northeast5
MEMANJPARI
Midwest11
IAILINKSMIMNMONDNEOHWI
South14
ALARDEFLGAKYLAMDNCSCTNTXVAWV
West9
AZCACOIDMTNMNVORWA
Top Metro Areas by Place Specialization Score
Volume 110Mix 7.67% of portfolio
76/100
Strong
Volume 78Mix 5.44% of portfolio
73/100
Strong
Volume 75Mix 5.23% of portfolio
72/100
Strong
Volume 60Mix 4.18% of portfolio
64/100
Strong
Volume 24Mix 1.67% of portfolio
63/100
Strong
Volume 64Mix 4.46% of portfolio
61/100
Strong
Volume 28Mix 1.95% of portfolio
60/100
Strong
Volume 51Mix 3.56% of portfolio
60/100
Strong
Volume 58Mix 4.04% of portfolio
58/100
Sound
Volume 51Mix 3.56% of portfolio
57/100
SoundShowing 10 of 29 metro areas
Top States by Place Specialization Score
1
AlabamaState
Volume 255Mix 17.78% of portfolio
78/100
Strong2
GeorgiaState
Volume 183Mix 12.76% of portfolio
68/100
Strong3
NevadaState
Volume 91Mix 6.35% of portfolio
66/100
Strong4
TennesseeState
Volume 108Mix 7.53% of portfolio
63/100
Strong5
FloridaState
Volume 169Mix 11.79% of portfolio
61/100
Strong6
OhioState
Volume 84Mix 5.86% of portfolio
58/100
Sound7
South CarolinaState
Volume 45Mix 3.14% of portfolio
54/100
Sound8
TexasState
Volume 78Mix 5.44% of portfolio
53/100
Sound9
North CarolinaState
Volume 56Mix 3.91% of portfolio
53/100
Sound10
MichiganState
Volume 47Mix 3.28% of portfolio
52/100
SoundShowing 10 of 22 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.