Jnc Mortgage Company at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A 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%
97th0.0% deniedProcesswithdrawn + incomplete share, weight 15%
95th0.0%Closing coststotal loan costs ÷ loan amount, weight 10%
55th1.80% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 177 | 177 | 0.0% | 0.0% | 6.13% | $53M |
| 2024 | 126 | 126 | 0.0% | 0.0% | 5.63% | $34M |
| 2025 | 175 | 175 | 0.0% | 0.0% | 5.38% | $52M |
What Jnc Mortgage Company 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, 0 manufactured homes, 4 investment properties.
Who gets approved at Jnc Mortgage Company
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 102 | 102 | 0.0% |
| $100k – $150k | 41 | 41 | 0.0% |
| $150k – $250k | 21 | 21 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 72 | 72 | 0.0% |
| 35–44 | 50 | 50 | 0.0% |
| 45–54 | 25 | 25 | 0.0% |
Where Jnc Mortgage Company lends
1 states and 8 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 175 | 175 | 0.0% | 5.38% | #441 |
Frequently asked questions
Jnc Mortgage Company denied 0.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 97th percentile of small mortgage lenders.
The median interest rate on loans Jnc Mortgage Company originated in 2025 was 5.38%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 99% of its applications were for home purchases, 1% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 10% conventional, 52% FHA, 37% 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.