J&R Lending Inc. Mortgage Lending & HMDA Data, 2007
In 2007, J&R Lending Inc. of Burbank, CA reported 1,933 mortgage applications totaling $648.3 million, down 16% from 2006. The average application was for $335,390, and applicants reported an average income of $122,183. 52% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,011), Riverside-San Bernardino-Ontario, CA (170) and Bakersfield, CA (155) (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 | 1,933 |
| Total Mortgage Loan Application Amount | $648,309,000 |
| Average Mortgage Loan Application Amount | $335,390 |
| Highest Mortgage Loan Application Amount | $4,500,000 |
| Average Applicant Income | $122,183 |
| Highest Applicant Income | $5,000,000 |
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Act (HMDA) records J&R Lending Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,011 | $ 368,476,000 | $ 364,466 | $ 124,000 |
| Kern, California | 155 | $ 33,294,000 | $ 214,800 | $ 97,000 |
| San Bernardino, California | 95 | $ 27,491,000 | $ 289,378 | $ 91,000 |
| Riverside, California | 75 | $ 23,335,000 | $ 311,133 | $ 150,000 |
| Maricopa, Arizona | 39 | $ 10,626,000 | $ 272,461 | $ 99,000 |
| Orange, California | 38 | $ 16,549,000 | $ 435,500 | $ 185,000 |
| Ventura, California | 31 | $ 15,329,000 | $ 494,483 | $ 162,000 |
| San Diego, California | 25 | $ 8,458,000 | $ 338,320 | $ 94,000 |
| Fresno, California | 13 | $ 2,341,000 | $ 180,076 | $ 113,000 |
| Sacramento, California | 12 | $ 3,379,000 | $ 281,583 | $ 141,000 |
| Pima, Arizona | 10 | $ 2,273,000 | $ 227,300 | $ 86,000 |
| Alameda, California | 9 | $ 3,265,000 | $ 362,777 | $ 97,000 |
| Pierce, Washington | 9 | $ 2,879,000 | $ 319,888 | $ 127,000 |
| Mohave, Arizona | 8 | $ 1,410,000 | $ 176,250 | $ 201,000 |
| San Joaquin, California | 8 | $ 1,964,000 | $ 245,500 | $ 105,000 |
| Multnomah, Oregon | 8 | $ 2,022,000 | $ 252,750 | $ 74,000 |
| King, Washington | 8 | $ 2,939,000 | $ 367,375 | $ 76,000 |
| Snohomish, Washington | 8 | $ 2,494,000 | $ 311,750 | $ 91,000 |
| Contra Costa, California | 7 | $ 3,687,000 | $ 526,714 | $ 186,000 |
| Thurston, Washington | 7 | $ 1,430,000 | $ 204,285 | $ 51,000 |
| Pinal, Arizona | 6 | $ 1,151,000 | $ 191,833 | $ 70,000 |
| Santa Barbara, California | 6 | $ 2,170,000 | $ 361,666 | $ 110,000 |
| Santa Clara, California | 6 | $ 2,565,000 | $ 427,500 | $ 106,000 |
| Solano, California | 6 | $ 2,140,000 | $ 356,666 | $ 122,000 |
| Tulare, California | 6 | $ 886,000 | $ 147,666 | $ 58,000 |
| Broward, Florida | 6 | $ 1,555,000 | $ 259,166 | $ 91,000 |
| Deschutes, Oregon | 6 | $ 1,540,000 | $ 256,666 | $ 286,000 |
| San Mateo, California | 5 | $ 2,039,000 | $ 407,800 | $ 109,000 |
| Bernalillo, New Mexico | 5 | $ 860,000 | $ 172,000 | $ 116,000 |
| Washington, Oregon | 5 | $ 662,000 | $ 132,400 | $ 67,000 |
| Lake, California | 4 | $ 721,000 | $ 180,250 | $ 79,000 |
| Palm Beach, Florida | 4 | $ 791,000 | $ 197,750 | $ 63,000 |
| Ada, Idaho | 4 | $ 973,000 | $ 243,250 | $ 91,000 |
| Clackamas, Oregon | 4 | $ 1,859,000 | $ 464,750 | $ 159,000 |
| Grays Harbor, Washington | 4 | $ 629,000 | $ 157,250 | $ 145,000 |
| Kitsap, Washington | 4 | $ 728,000 | $ 182,000 | $ 62,000 |
| Butte, California | 3 | $ 845,000 | $ 281,666 | $ 62,000 |
| Imperial, California | 3 | $ 705,000 | $ 235,000 | $ 56,000 |
| San Francisco, California | 3 | $ 1,741,000 | $ 580,333 | $ 175,000 |
| Sonoma, California | 3 | $ 642,000 | $ 214,000 | $ 78,000 |
| Tehama, California | 3 | $ 678,000 | $ 226,000 | $ 59,000 |
| El Paso, Colorado | 3 | $ 615,000 | $ 205,000 | $ 85,000 |
| Garfield, Colorado | 3 | $ 689,000 | $ 229,666 | $ 270,000 |
| Lane, Oregon | 3 | $ 510,000 | $ 170,000 | $ 47,000 |
| Clark, Washington | 3 | $ 860,000 | $ 286,666 | $ 61,000 |
| Yavapai, Arizona | 2 | $ 490,000 | $ 245,000 | $ 135,000 |
| Merced, California | 2 | $ 401,000 | $ 200,500 | $ 130,000 |
| Lee, Florida | 2 | $ 395,000 | $ 197,500 | $ 51,000 |
| Orange, Florida | 2 | $ 461,000 | $ 230,500 | $ 216,000 |
| Greene, Missouri | 2 | $ 234,000 | $ 117,000 | $ 93,000 |
| Clark, Nevada | 2 | $ 338,000 | $ 169,000 | $ 74,000 |
| Curry, Oregon | 2 | $ 361,000 | $ 180,500 | $ 84,000 |
| Jefferson, Oregon | 2 | $ 530,000 | $ 265,000 | $ 88,000 |
| Linn, Oregon | 2 | $ 500,000 | $ 250,000 | $ 71,000 |
| Polk, Oregon | 2 | $ 524,000 | $ 262,000 | $ 103,000 |
| Kane, Utah | 2 | $ 402,000 | $ 201,000 | $ 64,000 |
| Fairfax, Virginia | 2 | $ 1,143,000 | $ 571,500 | $ 131,000 |
| Hampton, Virginia | 2 | $ 180,000 | $ 90,000 | $ 108,000 |
| Suffolk, Virginia | 2 | $ 387,000 | $ 193,500 | $ 46,000 |
| Kittitas, Washington | 2 | $ 952,000 | $ 476,000 | $ 265,000 |
| Yakima, Washington | 2 | $ 151,000 | $ 75,500 | $ 45,000 |
| Del Norte, California | 1 | $ 199,000 | $ 199,000 | $ 111,000 |
| El Dorado, California | 1 | $ 500,000 | $ 500,000 | $ 736,000 |
| Kings, California | 1 | $ 180,000 | $ 180,000 | $ 72,000 |
| Madera, California | 1 | $ 140,000 | $ 140,000 | $ 41,000 |
| Marin, California | 1 | $ 616,000 | $ 616,000 | $ 162,000 |
| Mariposa, California | 1 | $ 417,000 | $ 417,000 | $ 78,000 |
| Mono, California | 1 | $ 205,000 | $ 205,000 | $ 156,000 |
| Monterey, California | 1 | $ 367,000 | $ 367,000 | $ 81,000 |
| Napa, California | 1 | $ 650,000 | $ 650,000 | $ 109,000 |
| Nevada, California | 1 | $ 850,000 | $ 850,000 | $ 0 |
| San Benito, California | 1 | $ 200,000 | $ 200,000 | $ 160,000 |
| San Luis Obispo, California | 1 | $ 677,000 | $ 677,000 | $ 168,000 |
| Shasta, California | 1 | $ 202,000 | $ 202,000 | $ 47,000 |
| Siskiyou, California | 1 | $ 110,000 | $ 110,000 | $ 66,000 |
| Tuolumne, California | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Boulder, Colorado | 1 | $ 290,000 | $ 290,000 | $ 132,000 |
| Denver, Colorado | 1 | $ 115,000 | $ 115,000 | $ 38,000 |
| Elbert, Colorado | 1 | $ 404,000 | $ 404,000 | $ 228,000 |
| Gunnison, Colorado | 1 | $ 349,000 | $ 349,000 | $ 235,000 |
| Larimer, Colorado | 1 | $ 146,000 | $ 146,000 | $ 150,000 |
| Fairfield, Connecticut | 1 | $ 1,000,000 | $ 1,000,000 | $ 5,000,000 |
| Litchfield, Connecticut | 1 | $ 173,000 | $ 173,000 | $ 70,000 |
| Brevard, Florida | 1 | $ 245,000 | $ 245,000 | $ 105,000 |
| Charlotte, Florida | 1 | $ 417,000 | $ 417,000 | $ 129,000 |
| Collier, Florida | 1 | $ 306,000 | $ 306,000 | $ 67,000 |
| Hillsborough, Florida | 1 | $ 233,000 | $ 233,000 | $ 72,000 |
| Miami-Dade, Florida | 1 | $ 221,000 | $ 221,000 | $ 59,000 |
| Pasco, Florida | 1 | $ 249,000 | $ 249,000 | $ 80,000 |
| St. Lucie, Florida | 1 | $ 288,000 | $ 288,000 | $ 240,000 |
| Bonneville, Idaho | 1 | $ 145,000 | $ 145,000 | $ 62,000 |
| Canyon, Idaho | 1 | $ 196,000 | $ 196,000 | $ 75,000 |
| Kootenai, Idaho | 1 | $ 275,000 | $ 275,000 | $ 48,000 |
| Jessamine, Kentucky | 1 | $ 74,000 | $ 74,000 | $ 60,000 |
| Jefferson, Missouri | 1 | $ 149,000 | $ 149,000 | $ 50,000 |
| Stone, Missouri | 1 | $ 75,000 | $ 75,000 | $ 102,000 |
| Santa Fe, New Mexico | 1 | $ 294,000 | $ 294,000 | $ 83,000 |
| Taos, New Mexico | 1 | $ 288,000 | $ 288,000 | $ 149,000 |
| Hood River, Oregon | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Jackson, Oregon | 1 | $ 597,000 | $ 597,000 | $ 129,000 |
| Josephine, Oregon | 1 | $ 332,000 | $ 332,000 | $ 227,000 |
| Tillamook, Oregon | 1 | $ 207,000 | $ 207,000 | $ 37,000 |
| Davidson, Tennessee | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Millard, Utah | 1 | $ 47,000 | $ 47,000 | $ 51,000 |
| Salt Lake, Utah | 1 | $ 643,000 | $ 643,000 | $ 312,000 |
| Sevier, Utah | 1 | $ 133,000 | $ 133,000 | $ 50,000 |
| Washington, Utah | 1 | $ 144,000 | $ 144,000 | $ 42,000 |
| Weber, Utah | 1 | $ 77,000 | $ 77,000 | $ 120,000 |
| Harrisonburg, Virginia | 1 | $ 112,000 | $ 112,000 | $ 66,000 |
| Henrico, Virginia | 1 | $ 170,000 | $ 170,000 | $ 50,000 |
| Louisa, Virginia | 1 | $ 151,000 | $ 151,000 | $ 50,000 |
| Prince William, Virginia | 1 | $ 338,000 | $ 338,000 | $ 0 |
| Chelan, Washington | 1 | $ 203,000 | $ 203,000 | $ 186,000 |
| Clallam, Washington | 1 | $ 356,000 | $ 356,000 | $ 98,000 |
| Island, Washington | 1 | $ 230,000 | $ 230,000 | $ 54,000 |
| Mason, Washington | 1 | $ 192,000 | $ 192,000 | $ 96,000 |
| Walla Walla, Washington | 1 | $ 424,000 | $ 424,000 | $ 0 |
| Whatcom, Washington | 1 | $ 449,000 | $ 449,000 | $ 0 |
Mortgage Loan Application Detail Totals for J&R Lending Inc. in 2007
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 | 1,298 | $438,142,000 | $337,000 | $4,500,000 | $112,000 | $1,446,000 |
| Home Purchase | 635 | $210,167,000 | $330,000 | $1,775,000 | $143,000 | $5,000,000 |
| 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 | 844 | $290,731,000 | $344,000 | $4,500,000 | $140,000 | $5,000,000 |
| Hispanic | 662 | $212,252,000 | $320,000 | $1,000,000 | $99,000 | $617,000 |
| Not Provided | 257 | $87,881,000 | $341,000 | $1,890,000 | $127,000 | $1,157,000 |
| Black or African American | 112 | $36,189,000 | $323,000 | $1,000,000 | $109,000 | $318,000 |
| Asian | 51 | $18,589,000 | $364,000 | $1,239,000 | $151,000 | $522,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $2,250,000 | $375,000 | $600,000 | $95,000 | $144,000 |
| American Indian or Alaskan Native | 1 | $417,000 | $417,000 | $417,000 | $84,000 | $84,000 |
| 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) | 1,933 | $648,309,000 | $335,000 | $4,500,000 | $123,000 | $5,000,000 |
| 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 | 1,001 | $329,597,000 | $329,000 | $1,890,000 | $122,000 | $5,000,000 |
| Application Approved But Not Accepted | 491 | $164,942,000 | $335,000 | $1,534,000 | $110,000 | $1,200,000 |
| Application Denied By Financial Institution | 275 | $92,847,000 | $337,000 | $1,200,000 | $130,000 | $672,000 |
| File Closed For Incompleteness | 106 | $40,615,000 | $383,000 | $4,500,000 | $151,000 | $1,440,000 |
| Application Withdrawn By Applicant | 59 | $20,270,000 | $343,000 | $920,000 | $151,000 | $1,157,000 |
| Loan Purchased By The Institution | 1 | $38,000 | $38,000 | $38,000 | $59,000 | $59,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 61 | $20,168,000 | $330,000 | $1,000,000 | $139,000 | $420,000 |
| Debt-To-Income Ratio | 41 | $14,436,000 | $352,000 | $860,000 | $129,000 | $522,000 |
| Collateral | 38 | $10,661,000 | $280,000 | $1,200,000 | $154,000 | $672,000 |
| Unverifiable Information | 36 | $15,121,000 | $420,000 | $1,000,000 | $121,000 | $450,000 |
| Credit History | 30 | $8,609,000 | $286,000 | $497,000 | $111,000 | $378,000 |
| Employment History | 9 | $3,928,000 | $436,000 | $925,000 | $136,000 | $204,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $2,116,000 | $529,000 | $643,000 | $183,000 | $312,000 |
| Mortgage Insurance Denied | 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 2007 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About