What loan types does T. J. Financial offer?

T. J. Financial offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does T. J. Financial offer mortgages?

T. J. Financial offers mortgages in 1 states: CA.

What type of lender is T. J. Financial?

T. J. Financial is a Independent Mortgage Company headquartered in ARCADIA, CA.

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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.

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

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Strong pull through performance

Explore another lender or local market

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

4/5

By Loan Product· Specialization by type

Conventional

179 loans

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

122 loans

Acceptable

Bottom 40% of lenders

2/5

Refinance

58 loans

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 4 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	Sound	Acceptable	—	Sound	179	99.4%	—	—

Conventional

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Sound

Volume179

Mix99.4%

Spread—

Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	—	Sound	122	67.8%	—	—
Refinance	Sound	Sound	—	Sound	58	32.2%	—	—

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

West1

Top Metro Areas by Place Specialization Score

Los Angeles, CAMetro

Volume 101Mix 56.11% of portfolio

72/100

Strong

Riverside, CAMetro

Volume 24Mix 13.33% of portfolio

53/100

Sound

Anaheim, CAMetro

Volume 19Mix 10.56% of portfolio

53/100

Sound

San Diego, CAMetro

Volume 13Mix 7.22% of portfolio

47/100

Sound

Top States by Place Specialization Score

CaliforniaState

Volume 180Mix 100.00% of portfolio

69/100

Strong

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.