Jsc mortgage approval rate & lending review
Jsc decided 2,487 mortgage applications and funded 1,784 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Jsc reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Jsc at a glance
Approval is 4.5 points above the 75.2% 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 | 92% | 899 / 974 | 95% | $265K | 856 |
| Home improvement loans | 67% | 695 / 1,044 | 82% | $65K | 569 |
| Cash-out refinance | 82% | 56 / 68 | 95% | $245K | 53 |
| Refinance | 79% | 216 / 273 | 92% | $115K | 198 |
| Investment property purchase | 95% | 86 / 91 | 91% | $195K | 78 |
| Investment cash-out refinance | 90% | 26 / 29 | 96% | $165K | 25 |
Jsc lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 80% | $245K | 2,486 | 1,784 |
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 Jsc lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Harris County, TX | Home improvement loans | 67% | 471 | 254 |
| Galveston County, TX | Mortgage lenders | 95% | 266 | 236 |
| Galveston County, TX | Home improvement loans | 72% | 310 | 182 |
| Brazoria County, TX | Home improvement loans | 69% | 128 | 75 |
| Harris County, TX | Refinance | 73% | 109 | 73 |
| Galveston County, TX | Refinance | 82% | 85 | 65 |
| Fort Bend County, TX | Home improvement loans | 52% | 86 | 40 |
| Brazoria County, TX | Refinance | 86% | 43 | 33 |
| Galveston County, TX | Investment property purchase | 96% | 24 | 19 |
| Galveston County, TX | Cash-out refinance | 75% | 20 | 14 |
| Montgomery County, TX | Home improvement loans | 38% | 24 | 7 |
The county markets where Jsc made the most loans. Each link opens that market with every lender ranked.
Questions about Jsc
What is Jsc's mortgage approval rate?
Jsc approved 79.7% of the 2,487 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.5 points above the 75.2% national rate for the same mix of loan types.
How often do borrowers take the loan Jsc offers?
Borrowers accepted 90% of the loans Jsc approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Jsc make?
The typical home improvement loan loan Jsc made was $65K; across all loan types its typical loan ran from $65K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Jsc lend?
Jsc decided applications in 2 of the states Fat Boy Data covers, most of them in Texas and Ohio.
Can I apply to Jsc directly?
Yes. Jsc is a bank or credit union with 22 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Jsc'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 Jsc treats applications, then get a rate quote from the lender.