TJC Mortgage, Inc. NMLS #2239
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Who is TJC Mortgage, Inc.?
TJC Mortgage, Inc. (NMLS #2239) is a lender or broker listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or brokerTJC Mortgage, Inc.
- NMLS #2239
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
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Reported application outcomes and pricing, 2025
- 2025 home loan decisionsOf 1,652 applications decided by TJC Mortgage, Inc. in 2025, 1,550 were originated, 0 were approved but not accepted by the borrower, and 102 were denied.
- Median rate spread0.302 (reported on 1,493 originations, 57 reported no spread at all -- a median of what was reported, not of everything originated)
That is an approval rate of 93.8%. Withdrawn, incomplete and purchased loans are not counted here and are not part of that rate.
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Evidence read 2026-10-10T20:58:22+00:00
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for TJC Mortgage, Inc. — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
About TJC Mortgage, Inc.
Overview
TJC Mortgage, Inc. is a mortgage lender based in Birmingham, Alabama. The company works with borrowers on home purchase and refinance mortgages and supports full loan applications through an online platform.
Mortgage options
TJC Mortgage, Inc. offers mortgage paths for buying a home and refinancing an existing mortgage. Its borrower materials also address first-time homebuyers, remodeling, and building a home.
How it works
Borrowers can begin a full application by selecting a loan officer, creating and verifying an account on the application platform, and completing and submitting the application. The application process also includes a language-preference step.
Locations
TJC Mortgage, Inc. has 90 branches across 28 states.
Company details and licensing
TJC Mortgage, Inc. is a corporation formed in Alabama on 07/29/2005. Its headquarters are at One Perimeter Park South, Suite 230S, Birmingham, Alabama 35243.
The company also uses the trade names American Home Lending USA, MortgageRight, and Moreira Team. Its NMLS company ID is 2239. Licensing is verifiable through NMLS Consumer Access.
Verify NMLS #2239 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Frequently Asked Questions
What is TJC Mortgage, Inc.'s NMLS number?
TJC Mortgage, Inc.'s NMLS number is 2239. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified TJC Mortgage, Inc.'s NMLS ID?
Yes. We checked TJC Mortgage, Inc.'s company name and NMLS ID against the NMLS record on July 1, 2026. They've been in our lender network since September 2011. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about TJC Mortgage, Inc.?
This page has TJC Mortgage, Inc.'s NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.