Applications / Mortgage Analytics / Lenders / Alabama / TJC Mortgage
Wetumpka, AL · Independent non-bank lender · CFPB · 1,550 loans in 2025
TJC Mortgage's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
1,550
loans originated, 2025
2,604
applications, 2025
41
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
TJC Mortgage, an Alabama mortgage company lending in 41 states, is a home-purchase lender that leans on government-backed loans, especially those for veterans.
Loans insured by the Federal Housing Administration (FHA) made up 32.6% of its lending, against 22.7% at similar lenders (independent non-bank lenders making between half and twice as many loans). Loans guaranteed by the Department of Veterans Affairs (VA) were 13.5%, about double the peers' 6.3% and more than at most of them. Conventional loans were barely half its book, at 52.6%.
Home purchases were 75.8% of its loans and refinancing 24.1%; it does almost nothing else. Its typical rate, 6.50%, sat a little below the peers' 6.62%, and only 1.1% of its loans were higher-priced, meaning a rate well above the average for similar loans, against 2.2% for peers.
It made 1,550 loans in 2025, down 9%, while similar lenders grew 5% and the whole market 10%. Its product mix barely moved: the FHA share was 32.9% a year earlier. That points to fewer customers rather than a change of strategy, though the figures cannot say why.
Alabama is its main state. In Birmingham, where it has lent since 2016, it ranks 35 of 523 lenders with 0.7% of the market, up from 0.6%. United Wholesale Mortgage and Regions Bank lead there. Elsewhere it is spread thinly across 159 metros.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. TJC Mortgage took 2,604 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.8% · Refinance 24.1% · Home improvement 0.1%
Conventional 52.6% · FHA 32.6% · VA 13.5% · USDA (RHS or FSA) 1.3% · of 1,550 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Alabama | 309 | 19.9% |
| Florida | 185 | 11.9% |
| Georgia | 184 | 11.9% |
| Tennessee | 124 | 8.0% |
| Ohio | 99 | 6.4% |
| Nevada | 96 | 6.2% |
| Kentucky | 77 | 5.0% |
| Michigan | 58 | 3.7% |
| Indiana | 48 | 3.1% |
| New Jersey | 39 | 2.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Birmingham | 162 |
| Reno | 73 |
| Chattanooga | 72 |
| Atlanta-Sandy Springs-Roswell | 61 |
| Marietta | 61 |
| Louisville/Jefferson County | 57 |
| Cincinnati | 44 |
| Dayton-Kettering-Beavercreek | 42 |
| Punta Gorda | 34 |
| Cape Coral-Fort Myers | 32 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930021DZJ9CEN11D61 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7753197409 |
Established 29 July 2005. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: TJC Mortgage's data.
TJC Mortgage's data
$215
TJC Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy TJC Mortgage's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]