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
Promptness
Not enough data
—/5
No quote responses measured yet
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
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
741 loans · 0.38% above market
Strong
Top 40% of lenders
4/5
FHA
522 loans · 0.62% above market
Strong
Top 40% of lenders
4/5
VA
142 loans · 0.36% below market
Strong
Top 40% of lenders
4/5
USDA
22 loans · 0.25% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,143 loans · 0.46% above market
Strong
Top 40% of lenders
4/5
Refinance
291 loans · 0.09% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 30 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 | 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
39Full-year 2024 · HMDALoans originated
< 1010–5050–100100+None
Northeast5
MEMANJPARI
Midwest11
IAILINKSMIMNMONDNEOHWI
South14
ALARDEFLGAKYLAMDNCSCTNTXVAWV
West9
AZCACOIDMTNMNVORWA
Top Metro Areas by Place Specialization Score
Showing 10 of 29 metro areas
Top States by Place Specialization Score
Showing 10 of 22 states
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.
Looking for a different lender?
Are you the owner of TJC Mortgage?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.