What loan types does JD Bancshares offer?

JD Bancshares offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does JD Bancshares offer mortgages?

JD Bancshares offers mortgages in 2 states: FL, LA.

How competitive are JD Bancshares's mortgage rates?

JD Bancshares has an overall pricing score of 10.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is JD Bancshares?

JD Bancshares is a Bank headquartered in Jennings, LA.

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JD Bancshares

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JD Bancshares has 29 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

JD Bancshares performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+43.0 bps above market avg

1/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

27 loans · 0.43% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

14 loans · 0.51% above market

Mediocre

Bottom 20% of lenders

1/5

Refinance

15 loans · 0.34% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 1 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Mediocre	Sound	27	93.1%	+0.430%Above	$438Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Sound

Volume27

Mix93.1%

Spread

+0.430%Above

Fees

$438Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Mediocre	Mediocre	—	Mediocre	14	48.3%	+0.513%Above	$462Fees
Refinance	Acceptable	Acceptable	—	Sound	15	51.7%	+0.341%Above	$425Fees

Purchase

Overall

Mediocre

Product

Mediocre

Pricing—

Pull Through

Mediocre

Volume14

Mix48.3%

Spread

+0.513%Above

Fees

$462Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Sound

Volume15

Mix51.7%

Spread

+0.341%Above

Fees

$425Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$6 million

Pricing & Closing

Avg Rate Spread

+0.430%

vs. market APOR

Avg Net Fees

$444

Origination − Credits

Pullthrough Rate

54.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$239,483

Avg Borrower Income

$300,690

Avg Property Value

$379,828

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

< 2020+None

South2

FLLA

Top Metro Areas by Place Specialization Score

Lake Charles, LAMetro

Volume 15Mix 51.72% of portfolio

59/100

Sound

Top States by Place Specialization Score

LouisianaState

Volume 28Mix 96.55% of portfolio

60/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.