Jmac Lending, Inc. mortgage approval rate & lending review
Jmac Lending, Inc. decided 9,825 mortgage applications and funded 9,031 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Jmac Lending, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to jmaclending.com.
This lender is broker only. It does not take applications from borrowers directly; you would reach it through a mortgage broker.
Jmac Lending, Inc. at a glance
Approval is 8.3 points above the 83.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 5,977 / 6,373 | 100% | $415K | 5,972 |
| Cash-out refinance | 85% | 986 / 1,160 | 100% | $355K | 984 |
| Refinance | 92% | 420 / 459 | 100% | $475K | 420 |
| Investment property purchase | 94% | 996 / 1,065 | 100% | $325K | 994 |
| Investment cash-out refinance | 86% | 504 / 585 | 100% | $305K | 502 |
| Investment refinance | 87% | 159 / 182 | 100% | $385K | 159 |
Jmac Lending, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 93% | $525K | 3,200 | 2,958 |
| Florida | 92% | $365K | 2,365 | 2,171 |
| Texas | 88% | $335K | 669 | 588 |
| New Jersey | 93% | $515K | 436 | 405 |
| Arizona | 92% | $435K | 372 | 342 |
| Illinois | 93% | $325K | 308 | 284 |
| Pennsylvania | 94% | $255K | 294 | 275 |
| Georgia | 89% | $365K | 276 | 245 |
| Utah | 96% | $465K | 204 | 196 |
| Massachusetts | 89% | $505K | 184 | 163 |
| Colorado | 95% | $445K | 173 | 165 |
| Washington | 93% | $485K | 161 | 149 |
| Michigan | 92% | $225K | 124 | 113 |
| South Carolina | 97% | $355K | 115 | 112 |
| Oregon | 94% | $405K | 107 | 101 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Jmac Lending, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| San Bernardino County, CA | Mortgage lenders | 95% | 210 | 199 |
| Palm Beach County, FL | Mortgage lenders | 94% | 184 | 173 |
| Orange County, CA | Mortgage lenders | 94% | 159 | 149 |
| Kern County, CA | Mortgage lenders | 95% | 151 | 144 |
| Fresno County, CA | Mortgage lenders | 97% | 92 | 89 |
| Manatee County, FL | Mortgage lenders | 94% | 86 | 81 |
| Orange County, CA | Cash-out refinance | 94% | 65 | 61 |
| Placer County, CA | Mortgage lenders | 95% | 59 | 56 |
| Los Angeles County, CA | Investment cash-out refinance | 87% | 61 | 52 |
| Stanislaus County, CA | Mortgage lenders | 98% | 43 | 42 |
| Riverside County, CA | Investment property purchase | 95% | 43 | 41 |
| Orange County, CA | Investment property purchase | 98% | 40 | 39 |
The county markets where Jmac Lending, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Jmac Lending, Inc.
What is Jmac Lending, Inc.'s mortgage approval rate?
Jmac Lending, Inc. approved 92.0% of the 9,825 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.3 points above the 83.7% national rate for the same mix of loan types.
How often do borrowers take the loan Jmac Lending, Inc. offers?
Borrowers accepted 100% of the loans Jmac Lending, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Jmac Lending, Inc. make?
The typical home purchase mortgage loan Jmac Lending, Inc. made was $415K; across all loan types its typical loan ran from $305K to $475K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Jmac Lending, Inc. lend?
Jmac Lending, Inc. decided applications in 35 of the states Fat Boy Data covers, most of them in California, Florida and Texas.
Can I apply to Jmac Lending, Inc. directly?
No. Jmac Lending, Inc. is a wholesale lender: it funds loans that mortgage brokers bring to it and does not take applications from borrowers directly. Its website is jmaclending.com.
Does this page show Jmac Lending, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Jmac Lending, Inc. treats applications, then get a rate quote from the lender.