Lender in California · HMDA 2025
Jmac Lending, Inc. mortgages in California
Jmac Lending, Inc.'s 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Jmac Lending, Inc. originated 1,149 owner-occupied single-family loans in California from 1,204 completed applications.
Its median conventional purchase loan costs were $9,930 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.625% (California: 6.625%).
Loans in CA
1,149
of 1,204 applications
Denial rate
3.4%
Purchase · CA 8.9%
Rate spread
+0.23 pts
Conv. · CA +0.09 pts
Loan amount
$525,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 909 | 878 | 3.4% | 6.625% | +0.23 pts | $9,930 | $525,000 |
| Refinance | 114 | 111 | 2.6% | 6.500% | +0.08 pts | $7,030 | $615,000 |
| Cash-out refinance | 181 | 160 | 11.6% | 6.750% | +0.45 pts | $7,160 | $445,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Jmac Lending, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Mono County | 11 | 2 | 1.8% |
| Madera County | 21 | 17 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology