JMJ Financial Group
We analyzed every closed loan from JMJ Financial Group — 631 loans across 880 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 6 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Particularly strong in FHA and VA and Jumbo loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,014)
Explore another lender or local market
Report Card
JMJ Financial Group performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+41.1 bps above market avg
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
465 loans · 0.46% above market
Sound
Top 60% of lenders
3/5
FHA
98 loans · 0.43% above market
Strong
Top 40% of lenders
4/5
VA
52 loans · 0.33% below market
Strong
Top 40% of lenders
4/5
Jumbo
16 loans · 0.88% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
538 loans · 0.43% above market
Sound
Top 60% of lenders
3/5
Refinance
93 loans · 0.32% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 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 | 465 | 73.7% | +0.462%Above | $3,996Fees | ||||
FHA Loans | 98 | 15.5% | +0.427%Above | $4,031Fees | ||||
VA Loans | 52 | 8.2% | -0.328%Below | $3,430Fees | ||||
Jumbo Loans | — | 16 | 2.5% | +0.883%Above | $5,733Fees |
Conventional
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume465
Mix73.7%
Spread
+0.462%Above
Fees
$3,996Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume98
Mix15.5%
Spread
+0.427%Above
Fees
$4,031Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume52
Mix8.2%
Spread
-0.328%Below
Fees
$3,430Fees
Jumbo Loans
OverallSound
ProductStrong
Pricing—
Pull ThroughSound
Volume16
Mix2.5%
Spread
+0.883%Above
Fees
$5,733Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 538 | 85.3% | +0.431%Above | $4,208Fees | ||||
Refinance | 93 | 14.7% | +0.322%Above | $3,152Fees |
Purchase
OverallSound
ProductSound
PricingMediocre
Pull ThroughSound
Volume538
Mix85.3%
Spread
+0.431%Above
Fees
$4,208Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume93
Mix14.7%
Spread
+0.322%Above
Fees
$3,152Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
631
Applications
880
Volume
$357 million
Pricing & Closing
Avg Rate Spread
+0.411%
vs. market APOR
Avg Net Fees
$4,014
Origination − Credits
Pullthrough Rate
71.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$566,696
Avg Borrower Income
$236,452
Avg Property Value
$778,582
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
20
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
20Full-year 2024 · HMDALoans originated
< 1010–2020–100100+None
Midwest3
MNOHWI
South7
FLGANCOKSCTNTX
West10
AZCACOHIIDMTNVORUTWA
Top Metro Areas by Place Specialization Score
Top States by Place Specialization Score
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.