Jacaranda (Jacaranda mimosifolia) is semi-deciduous. In San Diego, leaf drop in February (even at 72°F) is typical. The canopy is naturally open and "wispy"—a thin crown is not a defect.
If neighbors' jacarandas also bloom poorly, it's a climate/soil issue. If theirs thrive, compare irrigation, soil, and sun exposure. Four-year-old trees should be approaching peak bloom.
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