T. J. Financial, Inc. mortgage approval rate & lending review
T. J. Financial, Inc. decided 599 mortgage applications and funded 597 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions T. J. Financial, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
T. J. Financial, Inc. at a glance
Approval is 17.3 points above the 82.7% 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 | 100% | 312 / 312 | 100% | $565K | 312 |
| Cash-out refinance | 100% | 43 / 43 | 100% | $555K | 43 |
| Refinance | 100% | 129 / 129 | 100% | $635K | 129 |
| Investment property purchase | 100% | 65 / 65 | 100% | $555K | 65 |
| Investment cash-out refinance | 100% | 36 / 36 | 94% | $355K | 34 |
T. J. Financial, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 100% | $565K | 599 | 597 |
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.
Questions about T. J. Financial, Inc.
What is T. J. Financial, Inc.'s mortgage approval rate?
T. J. Financial, Inc. approved 100.0% of the 599 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 17.3 points above the 82.7% national rate for the same mix of loan types.
How often do borrowers take the loan T. J. Financial, Inc. offers?
Borrowers accepted 100% of the loans T. J. Financial, 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 T. J. Financial, Inc. make?
The typical home purchase mortgage loan T. J. Financial, Inc. made was $565K; across all loan types its typical loan ran from $355K to $635K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does T. J. Financial, Inc. lend?
T. J. Financial, Inc. decided applications in 1 of the states Fat Boy Data covers, most of them in California.
Can I apply to T. J. Financial, Inc. directly?
Yes. T. J. Financial, Inc. reports as a direct lender that takes applications from borrowers.
Does this page show T. J. Financial, 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 T. J. Financial, Inc. treats applications, then get a rate quote from the lender.