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JMAC Lending, Inc.

Costa Mesa, CA

JMAC Lending, Inc. processed 4,883 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 3,000 loans with a 6.5% denial rate. Home Purchase was the primary loan purpose. Based in Costa Mesa, CA. The approval rate of 61.4% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. JMAC Lending, Inc.'s 61.4% origination rate tells you how often an application turned into funded money; the 6.5% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Other, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (3,282 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

4,883
Applications
3,000
Originated
6.5%
Denial Rate
$463,392
Avg Loan Amount
Avg Interest Rate: 6.919% Avg Applicant Income: $41,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 3,282 2,009 223 $494,592
FHA 1,261 751 83 $391,035
VA 305 218 10 $452,311
USDA 35 22 3 $241,286

Top loan types - JMAC Lending, Inc.

Top loan types - JMAC Lending, Inc. Horizontal bar chart of the top 4 items by value (applications). Top loan types - JMAC Lending, Inc. Top 4 1. Conventional 3,282 2. FHA 1,261 3. VA 305 4. USDA 35 Top 5 loan types by application volume at JMAC Lending, Inc. (HMDA 2024). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for JMAC Lending, Inc. (LEI: 5493009B17HXCVXTD608) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
118
Other
72
Collateral
61
Credit history
41
Unverifiable information
23
Employment history
18
Insufficient cash
12

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 3,542 2,329 $473,447
Cash-out Refinancing 1,011 518 $391,963
Refinancing 330 153 $574,303

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 2,712 64.0% 5.5%
Asian 696 62.6% 6.9%
Black or African American 440 50.5% 12.1%
Joint 128 68.8% 3.9%
American Indian or Alaska Native 58 46.5% 5.2%
2 or more minority races * 15 46.7% 6.7%
Native Hawaiian or Other Pacific Islander * 11 45.5% 9.1%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 2,889 62.9% 6.4%
Hispanic or Latino 1,059 60.3% 5.8%
Joint 156 65.4% 5.1%

Nearby Lenders in CA

Other HMDA-reporting lenders in CA with similar activity. Compare any two side-by-side.

Pennymac Loan Services LLC

WESTLAKE VILLAGE, CA

384,816 apps 67,294 originated 4.7% denied

Bank of America NA

Westlake Village, CA

233,637 apps 83,165 originated 34.6% denied

AmeriHome Mortgage Company, LLC

Thousand Oaks, CA

149,937 apps 6,250 originated 0.8% denied

Loandepot.Com, LLC

IRVINE, CA

142,924 apps 79,418 originated 23.3% denied

New American Funding, LLC.

TUSTIN, CA

118,479 apps 48,639 originated 11.1% denied
Compare JMAC Lending, Inc. vs Pennymac Loan Services LLC →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did JMAC Lending, Inc. process?
JMAC Lending, Inc. processed 4,883 mortgage applications in the 2024 HMDA reporting year. Of these, 3,000 were originated (approved and funded), 1,378 were withdrawn by the applicant, and 319 were denied.
What is JMAC Lending, Inc.'s mortgage approval rate?
JMAC Lending, Inc. has an approval (origination) rate of 61.4%, meaning 61.4% of all applications resulted in a funded mortgage. The denial rate is 6.5%.
What is the average loan amount at JMAC Lending, Inc.?
The average mortgage loan amount at JMAC Lending, Inc. is $463,392. The average interest rate is 6.919%. The average applicant income is $41,000.
What are the most common reasons for mortgage denial at JMAC Lending, Inc.?
The most common reasons for mortgage denial at JMAC Lending, Inc. are: Debt-to-income ratio, Other, Collateral. In total, 319 applications were denied out of 4,883 total applications.
What types of mortgage loans does JMAC Lending, Inc. offer?
JMAC Lending, Inc. processes Conventional, FHA, VA, USDA loans. The most common type is Conventional with 3,282 applications and an average loan amount of $494,592.
What loan purposes does JMAC Lending, Inc. serve?
JMAC Lending, Inc. serves the following loan purposes: Home Purchase (3,542 applications), Cash-out Refinancing (1,011 applications), Refinancing (330 applications). Home Purchase is the most common purpose.
Where is JMAC Lending, Inc. located?
JMAC Lending, Inc. is headquartered in Costa Mesa, CA. The lender is identified by LEI 5493009B17HXCVXTD608 in HMDA data.
How does JMAC Lending, Inc. compare in lending across racial demographics?
JMAC Lending, Inc. reports demographic lending data under HMDA requirements. White applicants have an approval rate of 64.0% and denial rate of 5.5%; Asian applicants have an approval rate of 62.6% and denial rate of 6.9%; Black or African American applicants have an approval rate of 50.5% and denial rate of 12.1%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.