J&R Lending Inc. Mortgage Lending & HMDA Data, 2006
In 2006, J&R Lending Inc. of Burbank, CA reported 2,297 mortgage applications totaling $698.7 million, up 34% from 2005. The average application was for $304,163, and applicants reported an average income of $116,077. 73% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (448), Riverside-San Bernardino-Ontario, CA (95) and Bakersfield, CA (79) (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 | 2,297 |
| Total Mortgage Loan Application Amount | $698,663,000 |
| Average Mortgage Loan Application Amount | $304,163 |
| Highest Mortgage Loan Application Amount | $5,000,000 |
| Average Applicant Income | $116,077 |
| Highest Applicant Income | $3,850,000 |
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Act (HMDA) records J&R Lending Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 448 | $ 162,294,000 | $ 362,263 | $ 119,000 |
| Riverside-San Bernardino-Ontario, CA | 95 | $ 23,982,000 | $ 252,442 | $ 84,000 |
| Bakersfield, CA | 79 | $ 17,647,000 | $ 223,379 | $ 87,000 |
| Phoenix-Mesa-Scottsdale, AZ | 75 | $ 18,507,000 | $ 246,760 | $ 95,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 32 | $ 11,823,000 | $ 369,468 | $ 95,000 |
| Seattle-Bellevue-Everett, WA | 31 | $ 8,516,000 | $ 274,709 | $ 60,000 |
| Portland-Vancouver-Beaverton, OR-WA | 29 | $ 7,006,000 | $ 241,586 | $ 68,034 |
| Sacramento--Arden-Arcade--Roseville, CA | 23 | $ 6,482,000 | $ 281,826 | $ 89,000 |
| San Diego-Carlsbad-San Marcos, CA | 21 | $ 6,535,000 | $ 311,190 | $ 118,000 |
| Santa Ana-Anaheim-Irvine, CA | 20 | $ 5,197,000 | $ 259,850 | $ 101,000 |
| Oakland-Fremont-Hayward, CA | 18 | $ 6,132,000 | $ 340,666 | $ 69,000 |
| Tacoma, WA | 12 | $ 2,877,000 | $ 239,750 | $ 75,000 |
| Fresno, CA | 8 | $ 2,639,000 | $ 329,875 | $ 64,000 |
| Modesto, CA | 8 | $ 2,116,000 | $ 264,500 | $ 71,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 8 | $ 2,836,000 | $ 354,500 | $ 143,000 |
| Eugene-Springfield, OR | 7 | $ 1,356,000 | $ 193,714 | $ 57,000 |
| Vallejo-Fairfield, CA | 7 | $ 3,172,000 | $ 453,142 | $ 121,000 |
| Bremerton-Silverdale, WA | 6 | $ 1,331,000 | $ 221,833 | $ 70,000 |
| Medford, OR | 6 | $ 1,386,000 | $ 231,000 | $ 67,000 |
| San Francisco-San Mateo-Redwood City, CA | 6 | $ 2,459,000 | $ 409,833 | $ 65,000 |
| San Luis Obispo-Paso Robles, CA | 6 | $ 1,534,000 | $ 255,666 | $ 83,000 |
| Santa Barbara-Santa Maria, CA | 6 | $ 1,830,000 | $ 305,000 | $ 96,000 |
| Stockton, CA | 6 | $ 1,666,000 | $ 277,666 | $ 92,000 |
| Las Vegas-Paradise, NV | 5 | $ 998,000 | $ 199,600 | $ 100,000 |
| Salem, OR | 5 | $ 949,000 | $ 189,800 | $ 66,000 |
| Corvallis, OR | 4 | $ 515,000 | $ 128,750 | $ 45,000 |
| Merced, CA | 4 | $ 1,100,000 | $ 275,000 | $ 63,000 |
| Olympia, WA | 4 | $ 991,000 | $ 247,750 | $ 34,000 |
| Salt Lake City, UT | 4 | $ 633,000 | $ 158,250 | $ 75,000 |
| Visalia-Porterville, CA | 4 | $ 411,000 | $ 102,750 | $ 81,000 |
| El Centro, CA | 3 | $ 561,000 | $ 187,000 | $ 34,000 |
| Lexington-Fayette, KY | 3 | $ 339,000 | $ 113,000 | $ 61,000 |
| Redding, CA | 3 | $ 931,000 | $ 310,333 | $ 90,000 |
| Tucson, AZ | 3 | $ 375,000 | $ 125,000 | $ 38,000 |
| Yakima, WA | 3 | $ 413,000 | $ 137,666 | $ 65,000 |
| Bend, OR | 2 | $ 788,000 | $ 394,000 | $ 304,000 |
| Chico, CA | 2 | $ 442,000 | $ 221,000 | $ 80,000 |
| Napa, CA | 2 | $ 821,000 | $ 410,500 | $ 28,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 110,000 | $ 55,000 | $ 78,000 |
| Prescott, AZ | 2 | $ 450,000 | $ 225,000 | $ 116,000 |
| Spokane, WA | 2 | $ 327,000 | $ 163,500 | $ 82,000 |
| Yuma, AZ | 2 | $ 280,000 | $ 140,000 | $ 50,000 |
| Albuquerque, NM | 1 | $ 130,000 | $ 130,000 | $ 40,000 |
| Coeur D'Alene, ID | 1 | $ 112,000 | $ 112,000 | $ 70,000 |
| Denver-Aurora, CO | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Flagstaff, AZ | 1 | $ 387,000 | $ 387,000 | $ 119,000 |
| Fort Collins-Loveland, CO | 1 | $ 240,000 | $ 240,000 | $ 93,000 |
| Hanford-Corcoran, CA | 1 | $ 355,000 | $ 355,000 | $ 64,000 |
| Madera, CA | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Richmond, VA | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Salinas, CA | 1 | $ 315,000 | $ 315,000 | $ 77,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 331,000 | $ 331,000 | $ 78,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 282,000 | $ 282,000 | $ 0 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 257,000 | $ 257,000 | $ 307,000 |
| St. George, UT | 1 | $ 216,000 | $ 216,000 | $ 176,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 282,000 | $ 282,000 | $ 110,000 |
| Yuba City, CA | 1 | $ 333,000 | $ 333,000 | $ 67,000 |
Mortgage Loan Application Detail Totals for J&R Lending Inc. in 2006
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 | 1,631 | $508,040,000 | $311,000 | $5,000,000 | $101,000 | $1,559,000 |
| Home Purchase | 666 | $190,623,000 | $286,000 | $2,625,000 | $153,000 | $3,850,000 |
| 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 | 1,223 | $381,404,000 | $311,000 | $5,000,000 | $125,000 | $3,850,000 |
| Hispanic | 531 | $140,630,000 | $264,000 | $1,155,000 | $103,000 | $757,000 |
| Not Provided | 363 | $120,079,000 | $330,000 | $1,999,000 | $86,000 | $1,559,000 |
| Black or African American | 110 | $30,715,000 | $279,000 | $1,000,000 | $129,000 | $671,000 |
| Asian | 47 | $16,615,000 | $353,000 | $928,000 | $195,000 | $1,057,000 |
| Native Hawaiian or Other Pacific Islander | 19 | $7,953,000 | $418,000 | $2,625,000 | $209,000 | $720,000 |
| American Indian or Alaskan Native | 4 | $1,267,000 | $316,000 | $572,000 | $120,000 | $238,000 |
| 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) | 2,297 | $698,663,000 | $304,000 | $5,000,000 | $116,000 | $3,850,000 |
| 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 | 1,683 | $499,351,000 | $296,000 | $2,625,000 | $122,000 | $3,850,000 |
| Application Approved But Not Accepted | 311 | $103,609,000 | $333,000 | $5,000,000 | $121,000 | $1,200,000 |
| Application Withdrawn By Applicant | 181 | $61,044,000 | $337,000 | $1,000,000 | $37,000 | $720,000 |
| File Closed For Incompleteness | 69 | $16,584,000 | $240,000 | $1,000,000 | $118,000 | $420,000 |
| Application Denied By Financial Institution | 48 | $17,114,000 | $356,000 | $1,999,000 | $172,000 | $1,559,000 |
| Loan Purchased By The Institution | 5 | $961,000 | $192,000 | $357,000 | $58,000 | $123,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 9 | $3,392,000 | $376,000 | $1,029,000 | $150,000 | $246,000 |
| Other | 4 | $2,917,000 | $729,000 | $1,999,000 | $497,000 | $1,559,000 |
| Credit History | 4 | $957,000 | $239,000 | $510,000 | $135,000 | $198,000 |
| Debt-To-Income Ratio | 2 | $974,000 | $487,000 | $522,000 | $131,000 | $150,000 |
| 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 |
| 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 2006 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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