JMAC LENDING, INC. closing costs and rates (2024)
In 2024, JMAC LENDING, INC. originated 1,961 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $11,303. That ranks #228 nationally by origination volume. For total closing costs among lenders with 500+ originations, JMAC LENDING, INC. ranks #586. That is $4,562 above the national median of $6,741. JMAC LENDING, INC. is most active in California with 563 originations there.
Purchase Originations
1,961
Ranked #228 nationally
Median Total Costs
$11,303
+67.7% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$3,943
Median Lender Credits
$1,623
Cost Rank (500+ vol.)
#586
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,101 | 6.875% | $8,857 | $4,903 |
| fha | 644 | 6.250% | $14,767 | $3,795 |
| va | 194 | 6.125% | $10,001 | $2,399 |
| usda | 22 | 6.125% | $6,697 | $1,145 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 563 | 6.500% | $13,295 | #66 |
| Florida | 530 | 6.625% | $12,074 | #85 |
| New Jersey | 126 | 6.750% | $11,733 | #96 |
| Pennsylvania | 96 | 6.750% | $8,153 | #162 |
| Texas | 91 | 6.500% | $11,690 | #286 |
| Georgia | 60 | 6.625% | $9,994 | #184 |
| Utah | 53 | 6.625% | $9,338 | #82 |
| Arizona | 42 | 6.625% | $11,116 | — |
| North Carolina | 41 | 6.875% | $7,787 | — |
| Illinois | 39 | 6.625% | $12,378 | — |
| Maryland | 38 | 6.562% | $10,690 | — |
| Massachusetts | 33 | 6.625% | $13,930 | — |
| South Carolina | 29 | 6.625% | $8,616 | — |
| Colorado | 26 | 6.688% | $8,470 | — |
| Tennessee | 23 | 6.490% | $13,482 | — |
| Michigan | 21 | 6.500% | $8,093 | — |
| Iowa | 17 | 7.000% | $4,137 | — |
| Oregon | 17 | 6.375% | $6,246 | — |
| New Mexico | 16 | 6.250% | $6,808 | — |
| Virginia | 14 | 6.500% | $14,240 | — |
| Washington | 13 | 6.500% | $12,229 | — |
| Indiana | 12 | 6.312% | $8,307 | — |
| Nevada | 12 | 6.500% | $4,975 | — |
| New Hampshire | 10 | 6.990% | $5,138 | — |
| Minnesota | 9 | 5.875% | $9,500 | — |
| Kentucky | 8 | 6.808% | $5,273 | — |
| Idaho | 6 | 6.188% | $12,240 | — |
| Alabama | 4 | 6.125% | $6,849 | — |
| Connecticut | 4 | 6.558% | $8,567 | — |
| Ohio | 3 | 7.250% | $10,088 | — |
| Rhode Island | 3 | 6.375% | $18,334 | — |
| Delaware | 1 | 7.625% | $10,445 | — |
| Wisconsin | 1 | 6.750% | $8,936 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $8,029 | 6.625% | — | 29 | −$3,274 | |
| 2 | $8,673 | 6.750% | — | 29 | −$2,630 | |
| 3 | $10,409 | 6.750% | — | 31 | −$894 | |
| 4 | $10,509 | 6.875% | — | 43 | −$794 | |
| 5 | $10,770 | 6.375% | — | 25 | −$533 | |
| 6 | $11,062 | 6.562% | — | 34 | −$241 | |
| 7 | $11,103 | 6.990% | — | 25 | −$200 | |
| 8 | $11,743 | 5.875% | — | 55 | +$440 | |
| 9 | $12,337 | 6.250% | — | 23 | +$1,034 | |
| 10 | $12,457 | 6.625% | — | 40 | +$1,154 | |
| 11 | $12,825 | 6.250% | — | 39 | +$1,522 | |
| 12 | $12,911 | 6.625% | — | 24 | +$1,608 | |
| 13 | $12,959 | 6.625% | — | 34 | +$1,656 | |
| 14 | $13,067 | 6.375% | — | 72 | +$1,764 | |
| 15 | $13,565 | 6.125% | — | 26 | +$2,262 | |
| 16 | $13,988 | 6.500% | — | 33 | +$2,685 | |
| 17 | $14,548 | 6.250% | — | 68 | +$3,245 | |
| 18 | $15,038 | 6.562% | — | 54 | +$3,735 | |
| 19 | $16,699 | 6.625% | — | 94 | +$5,396 | |
| 20 | $20,722 | 6.750% | — | 21 | +$9,419 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.