Jmac Lending, Inc.: 2025 mortgage rates, costs & approvals
How Jmac Lending, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: JMAC LENDING, INC. · LEI 5493009B17HXCVXTD608
In 2025, Jmac Lending, Inc. originated 4,203 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 33 states — 155th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 16 basis points above the national median. Median conventional loan costs were $8,400, 51% higher than the national median ($5,570).
It denied 4.4% of completed home-purchase applications (all lenders: 8.5%).
How Jmac Lending, Inc. priced home-purchase loans
| Purchase loans, 2025 | Jmac Lending, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.250% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | 5.875% | 5.875% |
| Rate spread vs. APOR · conventional | +0.30 pts | +0.13 pts |
| Total loan costs · conventional | $8,400 | $5,570 |
| Total loan costs · FHA | $14,610 | $11,310 |
| Total loan costs · VA | $9,370 | $6,490 |
| Origination charges (all types) | $3,520 | $1,860 |
| Borrowers paying discount points | 54.6% | 51.3% |
| Points paid, when paid (% of loan) | 0.66% | 0.87% |
| Borrowers receiving lender credits | 48.0% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Jmac Lending, Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Jmac Lending, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| California | 1,149 | 1,204 | 3.4% | 6.625% | $9,930 |
| Florida | 1,094 | 1,152 | 4.9% | 6.625% | $9,440 |
| Texas | 275 | 294 | 5.5% | 6.500% | $9,350 |
| Arizona | 197 | 210 | 6.3% | 6.500% | $7,020 |
| Illinois | 175 | 185 | 4.0% | 6.875% | $7,980 |
| New Jersey | 170 | 179 | 5.6% | 6.875% | $8,170 |
| Utah | 120 | 127 | 3.4% | 6.625% | $6,590 |
| Washington | 98 | 106 | 4.9% | 6.490% | $6,560 |
| Michigan | 93 | 97 | 3.9% | 6.625% | $4,730 |
| Pennsylvania | 92 | 96 | 1.3% | 6.490% | $8,280 |
| Georgia | 89 | 99 | 10.8% | 6.625% | $6,950 |
| Colorado | 80 | 80 | 0.0% | 6.625% | $5,790 |
| Indiana | 73 | 73 | 0.0% | — | — |
| Oregon | 66 | 70 | 3.6% | 6.625% | $6,190 |
| South Carolina | 56 | 56 | 0.0% | 6.625% | $5,980 |
| Massachusetts | 47 | 49 | 5.0% | — | — |
| Tennessee | 43 | 44 | 2.6% | 6.490% | $8,240 |
| Virginia | 36 | 41 | 11.1% | — | — |
| New Mexico | 32 | 33 | 3.1% | — | — |
| Nevada | 32 | 33 | 3.6% | — | — |
| Maryland | 32 | 32 | 0.0% | — | — |
| Idaho | 28 | 28 | 0.0% | — | — |
| Rhode Island | 25 | 28 | 8.3% | — | — |
| North Carolina | 20 | 21 | — | — | — |
| Kentucky | 17 | 19 | — | — | — |
| Ohio | 15 | 16 | — | — | — |
| Connecticut | 13 | 14 | — | — | — |
| New Hampshire | 12 | 12 | — | — | — |
| Wisconsin | 8 | 8 | — | — | — |
| Minnesota | 5 | 6 | — | — | — |
| Alabama | 4 | 6 | — | — | — |
| Montana | 4 | 5 | — | — | — |
| Iowa | 3 | 3 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Jmac Lending, Inc.'s page for that state.
Counties where Jmac Lending, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Gilliam County, OR | 7 | 1 | 5.9% |
| Wayne County, UT | 7 | 1 | 4.2% |
| Van Buren County, IA | 9 | 1 | 3.5% |
| Mills County, TX | 16 | 1 | 2.3% |
| Mono County, CA | 11 | 2 | 1.8% |
| Apache County, AZ | 10 | 3 | 1.8% |
| Gilchrist County, FL | 12 | 3 | 1.8% |
| Valley County, MT | 15 | 1 | 1.7% |
| Orange County, IN | 16 | 3 | 1.6% |
| Otero County, NM | 13 | 11 | 1.5% |
| Calhoun County, FL | 20 | 1 | 1.3% |
| Reeves County, TX | 17 | 1 | 1.3% |
| Nelson County, VA | 21 | 2 | 1.3% |
| Jackson County, MI | 20 | 28 | 1.3% |
| Washington County, GA | 16 | 1 | 1.2% |
Check Jmac Lending, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493009B17HXCVXTD608.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Jmac Lending, Inc. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology