J&R Lending Inc. Mortgage Lending & HMDA Data, 2005
In 2005, J&R Lending Inc. of Burbank, CA reported 1,716 mortgage applications totaling $506.5 million. The average application was for $295,178, and applicants reported an average income of $112,323. 84% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (985), Riverside-San Bernardino-Ontario, CA (183) and Bakersfield, CA (103) (applications in parentheses).
| Mortgage Company & Address | J&R Lending Inc. 1210 West Burbank Boulevard Burbank, CA 91506 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 1,716 |
| Total Mortgage Loan Application Amount | $506,527,000 |
| Average Mortgage Loan Application Amount | $295,178 |
| Highest Mortgage Loan Application Amount | $1,295,000 |
| Average Applicant Income | $112,323 |
| Highest Applicant Income | $1,800,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records J&R Lending Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 985 | $ 320,694,000 | $ 325,577 | $ 133,000 |
| Kern, California | 103 | $ 20,929,000 | $ 203,194 | $ 113,000 |
| San Bernardino, California | 100 | $ 21,430,000 | $ 214,300 | $ 85,000 |
| Riverside, California | 83 | $ 21,157,000 | $ 254,903 | $ 123,000 |
| Ventura, California | 51 | $ 19,095,000 | $ 374,411 | $ 178,000 |
| Orange, California | 48 | $ 17,845,000 | $ 371,770 | $ 123,000 |
| Maricopa, Arizona | 43 | $ 7,480,000 | $ 173,953 | $ 91,000 |
| Sacramento, California | 36 | $ 10,390,000 | $ 288,611 | $ 97,000 |
| San Diego, California | 21 | $ 6,249,000 | $ 297,571 | $ 115,000 |
| Alameda, California | 18 | $ 7,014,000 | $ 389,666 | $ 126,000 |
| Stanislaus, California | 16 | $ 4,691,000 | $ 293,187 | $ 102,000 |
| Contra Costa, California | 14 | $ 4,588,000 | $ 327,714 | $ 88,000 |
| Mohave, Arizona | 13 | $ 2,279,000 | $ 175,307 | $ 119,000 |
| Fresno, California | 12 | $ 2,659,000 | $ 221,583 | $ 69,000 |
| Santa Barbara, California | 12 | $ 3,438,000 | $ 286,500 | $ 148,000 |
| Tulare, California | 10 | $ 1,420,000 | $ 142,000 | $ 53,000 |
| Nevada, California | 8 | $ 2,804,000 | $ 350,500 | $ 106,000 |
| Solano, California | 8 | $ 2,519,000 | $ 314,875 | $ 113,000 |
| Pima, Arizona | 6 | $ 902,000 | $ 150,333 | $ 98,000 |
| Madera, California | 6 | $ 1,566,000 | $ 261,000 | $ 127,000 |
| Merced, California | 6 | $ 1,492,000 | $ 248,666 | $ 57,000 |
| San Mateo, California | 6 | $ 3,056,000 | $ 509,333 | $ 126,000 |
| Pinal, Arizona | 5 | $ 443,000 | $ 88,600 | $ 110,000 |
| Butte, California | 5 | $ 1,083,000 | $ 216,600 | $ 74,000 |
| Imperial, California | 5 | $ 643,000 | $ 128,600 | $ 36,000 |
| Monterey, California | 5 | $ 2,174,000 | $ 434,800 | $ 43,000 |
| Bucks, Pennsylvania | 5 | $ 1,315,000 | $ 263,000 | $ 207,000 |
| El Dorado, California | 4 | $ 1,092,000 | $ 273,000 | $ 80,000 |
| Shasta, California | 4 | $ 973,000 | $ 243,250 | $ 60,000 |
| Arapahoe, Colorado | 4 | $ 520,000 | $ 130,000 | $ 91,000 |
| Philadelphia, Pennsylvania | 4 | $ 990,000 | $ 247,500 | $ 70,000 |
| San Joaquin, California | 3 | $ 982,000 | $ 327,333 | $ 76,000 |
| Josephine, Oregon | 3 | $ 436,000 | $ 145,333 | $ 172,000 |
| Monroe, Pennsylvania | 3 | $ 461,000 | $ 153,666 | $ 73,000 |
| Stafford, Virginia | 3 | $ 690,000 | $ 230,000 | $ 68,000 |
| Cochise, Arizona | 2 | $ 219,000 | $ 109,500 | $ 59,000 |
| Yavapai, Arizona | 2 | $ 385,000 | $ 192,500 | $ 121,000 |
| Yuma, Arizona | 2 | $ 224,000 | $ 112,000 | $ 62,000 |
| Placer, California | 2 | $ 980,000 | $ 490,000 | $ 118,000 |
| Sonoma, California | 2 | $ 692,000 | $ 346,000 | $ 90,000 |
| Tehama, California | 2 | $ 260,000 | $ 130,000 | $ 92,000 |
| Douglas, Colorado | 2 | $ 504,000 | $ 252,000 | $ 183,000 |
| Pueblo, Colorado | 2 | $ 190,000 | $ 95,000 | $ 65,000 |
| Ada, Idaho | 2 | $ 366,000 | $ 183,000 | $ 162,000 |
| Stone, Missouri | 2 | $ 148,000 | $ 74,000 | $ 45,000 |
| Multnomah, Oregon | 2 | $ 636,000 | $ 318,000 | $ 74,000 |
| Berks, Pennsylvania | 2 | $ 126,000 | $ 63,000 | $ 72,000 |
| Franklin, Pennsylvania | 2 | $ 208,000 | $ 104,000 | $ 53,000 |
| Lehigh, Pennsylvania | 2 | $ 86,000 | $ 43,000 | $ 65,000 |
| Pierce, Washington | 2 | $ 467,000 | $ 233,500 | $ 92,000 |
| Snohomish, Washington | 2 | $ 435,000 | $ 217,500 | $ 41,000 |
| Matanuska-Susitna, Alaska | 1 | $ 156,000 | $ 156,000 | $ 72,000 |
| Coconino, Arizona | 1 | $ 97,000 | $ 97,000 | $ 202,000 |
| Colusa, California | 1 | $ 185,000 | $ 185,000 | $ 41,000 |
| Humboldt, California | 1 | $ 175,000 | $ 175,000 | $ 48,000 |
| Napa, California | 1 | $ 547,000 | $ 547,000 | $ 91,000 |
| San Francisco, California | 1 | $ 270,000 | $ 270,000 | $ 160,000 |
| San Luis Obispo, California | 1 | $ 169,000 | $ 169,000 | $ 140,000 |
| Santa Clara, California | 1 | $ 307,000 | $ 307,000 | $ 42,000 |
| Sutter, California | 1 | $ 324,000 | $ 324,000 | $ 148,000 |
| Denver, Colorado | 1 | $ 154,000 | $ 154,000 | $ 46,000 |
| Bingham, Idaho | 1 | $ 153,000 | $ 153,000 | $ 78,000 |
| Camas, Idaho | 1 | $ 113,000 | $ 113,000 | $ 66,000 |
| St. Louis, Missouri | 1 | $ 248,000 | $ 248,000 | $ 94,000 |
| Bernalillo, New Mexico | 1 | $ 140,000 | $ 140,000 | $ 36,000 |
| Los Alamos, New Mexico | 1 | $ 238,000 | $ 238,000 | $ 80,000 |
| Deschutes, Oregon | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Douglas, Oregon | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Lane, Oregon | 1 | $ 175,000 | $ 175,000 | $ 77,000 |
| Pike, Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 57,000 |
| York, Pennsylvania | 1 | $ 186,000 | $ 186,000 | $ 72,000 |
| Box Elder, Utah | 1 | $ 110,000 | $ 110,000 | $ 37,000 |
| Utah, Utah | 1 | $ 196,000 | $ 196,000 | $ 46,000 |
| Kitsap, Washington | 1 | $ 248,000 | $ 248,000 | $ 39,000 |
Mortgage Loan Application Detail Totals for J&R Lending Inc. in 2005
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 1,083 | $340,905,000 | $197,454 | $1,295,000 | $74,454 | $1,345,000 |
| Home Purchase | 633 | $165,622,000 | $175,200 | $1,240,000 | $99,200 | $1,800,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 972 | $302,421,000 | $188,727 | $1,295,000 | $87,818 | $1,800,000 |
| Hispanic | 504 | $134,275,000 | $215,500 | $994,000 | $70,000 | $715,000 |
| Not Provided | 135 | $39,227,000 | $176,833 | $1,000,000 | $111,333 | $557,000 |
| Black or African American | 45 | $11,345,000 | $178,500 | $1,240,000 | $97,000 | $1,553,000 |
| Asian | 33 | $11,474,000 | $267,500 | $738,000 | $93,500 | $600,000 |
| Native Hawaiian or Other Pacific Islander | 19 | $5,154,000 | $271,000 | $550,000 | $118,000 | $181,000 |
| American Indian or Alaskan Native | 8 | $2,631,000 | $309,500 | $584,000 | $120,000 | $151,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,716 | $506,527,000 | $182,846 | $1,295,000 | $82,692 | $1,800,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,436 | $423,938,000 | $185,000 | $1,295,000 | $80,416 | $1,800,000 |
| Application Approved But Not Accepted | 164 | $46,858,000 | $223,750 | $1,144,000 | $78,750 | $960,000 |
| File Closed For Incompleteness | 49 | $15,336,000 | $292,250 | $800,000 | $134,750 | $330,000 |
| Application Withdrawn By Applicant | 44 | $13,078,000 | $174,333 | $904,000 | $120,666 | $557,000 |
| Application Denied By Financial Institution | 23 | $7,317,000 | $318,000 | $788,000 | $153,000 | $639,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 10 | $3,504,000 | $350,000 | $788,000 | $192,000 | $639,000 |
| Credit History | 4 | $911,000 | $227,000 | $352,000 | $101,000 | $183,000 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into J&R Lending Inc.'s 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess J&R Lending Inc.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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