Lender in California · HMDA 2025
JMJ Financial Group mortgages in California
JMJ Financial Group's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
JMJ Financial Group originated 379 owner-occupied single-family loans in California from 386 completed applications.
Its median conventional purchase loan costs were $10,610 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.75% (California: 6.625%).
Loans in CA
379
of 386 applications
Denial rate
0.7%
Purchase · CA 8.9%
Rate spread
+0.29 pts
Conv. · CA +0.09 pts
Loan amount
$615,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 297 | 295 | 0.7% | 6.750% | +0.29 pts | $10,610 | $615,000 |
| Refinance | 49 | 46 | 6.1% | 6.500% | +0.10 pts | $4,990 | $675,000 |
| Cash-out refinance | 40 | 38 | 5.0% | 6.875% | +0.45 pts | $5,160 | $535,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where JMJ Financial Group ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Amador County | 15 | 9 | 1.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology