Jlb at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
67th6.0% deniedPricingmedian rate spread over APOR, weight 30%
44th0.32 ptsProcesswithdrawn + incomplete share, weight 15%
28th16.9%Closing coststotal loan costs ÷ loan amount, weight 10%
12th3.52% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,069 | 817 | 3.3% | 4.1% | 6.63% | $166M |
| 2024 | 1,162 | 880 | 5.7% | 6.9% | 6.25% | $200M |
| 2025 | 1,176 | 911 | 5.0% | 6.0% | 6.25% | $213M |
What Jlb lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 31 investment properties.
Why Jlb denies applications
Primary reason reported for each of the 59 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Jlb
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 171 | 116 | 12.0% |
| $50k – $100k | 551 | 420 | 6.4% |
| $100k – $150k | 264 | 222 | 3.9% |
| $150k – $250k | 152 | 124 | 2.3% |
| Over $250k | 36 | 29 | 6.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 31 | 20 | 9.1% |
| 25–34 | 150 | 117 | 6.4% |
| 35–44 | 232 | 176 | 8.3% |
| 45–54 | 267 | 217 | 3.6% |
| 55–64 | 247 | 197 | 4.8% |
| 65–74 | 171 | 133 | 6.9% |
| Over 74 | 78 | 51 | 8.6% |
Where Jlb lends
11 states and 113 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Jlb denied 6.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 67th percentile of small mortgage lenders.
The most common reason Jlb gave in 2025 was "debt-to-income ratio", cited on 33.9% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Jlb originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was 0.32 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 21% of its applications were for home purchases, 79% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 42% conventional, 56% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.