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TJC Mortgage, Inc.
Independent Mortgage Company|WETUMPKA, AL|Near-National
Loans Originated
1,434
Applications
2,315
Volume
$472 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.388%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,134
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
61.9%
Percentage of applications that result in closed loans
Safe Rate's 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)
Report Card
TJC Mortgage, Inc. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 30 metro areas · 39 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$329,463
Average Borrower Income
$120,790
Average Property Value
$416,416
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Strong | Mediocre | Sound | 741 | 51.7% | +0.383% | $4,055 |
FHA Loans | Sound | Strong | Acceptable | Strong | 522 | 36.4% | +0.617% | $4,223 |
VA Loans | Sound | Strong | Acceptable | Sound | 142 | 9.9% | -0.359% | $4,384 |
USDA Loans | Strong | Strong | N/A | Strong | 22 | 1.5% | +0.250% | $2,464 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Strong | Mediocre | Sound | 1,143 | 79.7% | +0.461% | $4,128 |
Refinance | Sound | Strong | Acceptable | Sound | 291 | 20.3% | +0.088% | $4,158 |
Geographic Coverage
Metro Areas
29
States Served
39
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACODEFLGAIAIDILINKSKYLAMAMDMEMIMNMOMTNCNDNENJNMNVOHORPARISCTNTXVAWAWIWV
Top Metro Areas by Place Specialization Score
1
Birmingham, AL, ALMSA
Volume: 110Mix: 7.67%
Place Specialization
Strong
2
Chattanooga, TN, TN-GAMSA
Volume: 78Mix: 5.44%
Place Specialization
Strong
3
Reno, NV, NVMSA
Volume: 75Mix: 5.23%
Place Specialization
Strong
4
Marietta, GA, GAMSA
Volume: 60Mix: 4.18%
Place Specialization
Strong
5
Cleveland, TN, TNMSA
Volume: 24Mix: 1.67%
Place Specialization
Strong
6
Charlotte, NC-SCMSA
Volume: 64Mix: 4.46%
Place Specialization
Strong
7
Punta Gorda, FL, FLMSA
Volume: 28Mix: 1.95%
Place Specialization
Strong
8
Dayton, OHMSA
Volume: 51Mix: 3.56%
Place Specialization
Strong
9
Atlanta, GAMSA
Volume: 58Mix: 4.04%
Place Specialization
Sound
10
San Antonio, TXMSA
Volume: 51Mix: 3.56%
Place Specialization
Sound
Showing 10 of 29 metro areas
Top States by Place Specialization Score
1
ALState
Volume: 255Mix: 17.78%
Place Specialization
Strong
2
GAState
Volume: 183Mix: 12.76%
Place Specialization
Strong
3
NVState
Volume: 91Mix: 6.35%
Place Specialization
Strong
4
TNState
Volume: 108Mix: 7.53%
Place Specialization
Strong
5
FLState
Volume: 169Mix: 11.79%
Place Specialization
Strong
6
OHState
Volume: 84Mix: 5.86%
Place Specialization
Sound
7
SCState
Volume: 45Mix: 3.14%
Place Specialization
Sound
8
TXState
Volume: 78Mix: 5.44%
Place Specialization
Sound
9
NCState
Volume: 56Mix: 3.91%
Place Specialization
Sound
10
MIState
Volume: 47Mix: 3.28%
Place Specialization
Sound
Showing 10 of 22 states
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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