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Act (HMDA) records J&R Lending Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,011 | $ 368,476,000 | $ 364,466 | $ 124,000 |
| Riverside-San Bernardino-Ontario, CA | 170 | $ 50,826,000 | $ 298,976 | $ 117,000 |
| Bakersfield, CA | 155 | $ 33,294,000 | $ 214,800 | $ 97,000 |
| Phoenix-Mesa-Scottsdale, AZ | 45 | $ 11,777,000 | $ 261,711 | $ 95,000 |
| Santa Ana-Anaheim-Irvine, CA | 38 | $ 16,549,000 | $ 435,500 | $ 185,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 31 | $ 15,329,000 | $ 494,483 | $ 162,000 |
| San Diego-Carlsbad-San Marcos, CA | 25 | $ 8,458,000 | $ 338,320 | $ 94,000 |
| Portland-Vancouver-Beaverton, OR-WA | 20 | $ 5,403,000 | $ 270,150 | $ 87,350 |
| Oakland-Fremont-Hayward, CA | 16 | $ 6,952,000 | $ 434,500 | $ 136,000 |
| Seattle-Bellevue-Everett, WA | 16 | $ 5,433,000 | $ 339,562 | $ 83,000 |
| Fresno, CA | 13 | $ 2,341,000 | $ 180,076 | $ 113,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 13 | $ 3,879,000 | $ 298,384 | $ 187,000 |
| Tucson, AZ | 10 | $ 2,273,000 | $ 227,300 | $ 86,000 |
| San Francisco-San Mateo-Redwood City, CA | 9 | $ 4,396,000 | $ 488,444 | $ 137,000 |
| Tacoma, WA | 9 | $ 2,879,000 | $ 319,888 | $ 127,000 |
| Lake Havasu City-Kingman, AZ | 8 | $ 1,410,000 | $ 176,250 | $ 201,000 |
| Stockton, CA | 8 | $ 1,964,000 | $ 245,500 | $ 105,000 |
| Olympia, WA | 7 | $ 1,430,000 | $ 204,285 | $ 51,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 7 | $ 2,765,000 | $ 395,000 | $ 113,000 |
| Bend, OR | 6 | $ 1,540,000 | $ 256,666 | $ 286,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 6 | $ 1,555,000 | $ 259,166 | $ 91,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 6 | $ 2,170,000 | $ 361,666 | $ 110,000 |
| Vallejo-Fairfield, CA | 6 | $ 2,140,000 | $ 356,666 | $ 122,000 |
| Visalia-Porterville, CA | 6 | $ 886,000 | $ 147,666 | $ 58,000 |
| Albuquerque, NM | 5 | $ 860,000 | $ 172,000 | $ 116,000 |
| Boise City-Nampa, ID | 5 | $ 1,169,000 | $ 233,800 | $ 87,000 |
| Bremerton-Silverdale, WA | 4 | $ 728,000 | $ 182,000 | $ 62,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 567,000 | $ 141,750 | $ 77,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 4 | $ 791,000 | $ 197,750 | $ 63,000 |
| Chico, CA | 3 | $ 845,000 | $ 281,666 | $ 62,000 |
| Colorado Springs, CO | 3 | $ 615,000 | $ 205,000 | $ 85,000 |
| El Centro, CA | 3 | $ 705,000 | $ 235,000 | $ 56,000 |
| Eugene-Springfield, OR | 3 | $ 510,000 | $ 170,000 | $ 47,000 |
| Santa Rosa-Petaluma, CA | 3 | $ 642,000 | $ 214,000 | $ 78,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 1,481,000 | $ 493,666 | $ 87,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 395,000 | $ 197,500 | $ 51,000 |
| Denver-Aurora, CO | 2 | $ 519,000 | $ 259,500 | $ 133,000 |
| Las Vegas-Paradise, NV | 2 | $ 338,000 | $ 169,000 | $ 74,000 |
| Merced, CA | 2 | $ 401,000 | $ 200,500 | $ 130,000 |
| Orlando-Kissimmee, FL | 2 | $ 461,000 | $ 230,500 | $ 216,000 |
| Prescott, AZ | 2 | $ 490,000 | $ 245,000 | $ 135,000 |
| Richmond, VA | 2 | $ 321,000 | $ 160,500 | $ 50,000 |
| Salem, OR | 2 | $ 524,000 | $ 262,000 | $ 103,000 |
| Springfield, MO | 2 | $ 234,000 | $ 117,000 | $ 93,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 482,000 | $ 241,000 | $ 76,000 |
| Yakima, WA | 2 | $ 151,000 | $ 75,500 | $ 45,000 |
| Bellingham, WA | 1 | $ 449,000 | $ 449,000 | $ 0 |
| Boulder, CO | 1 | $ 290,000 | $ 290,000 | $ 132,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 1,000,000 | $ 1,000,000 | $ 5,000,000 |
| Coeur D'Alene, ID | 1 | $ 275,000 | $ 275,000 | $ 48,000 |
| Fort Collins-Loveland, CO | 1 | $ 146,000 | $ 146,000 | $ 150,000 |
| Hanford-Corcoran, CA | 1 | $ 180,000 | $ 180,000 | $ 72,000 |
| Harrisonburg, VA | 1 | $ 112,000 | $ 112,000 | $ 66,000 |
| Idaho Falls, ID | 1 | $ 145,000 | $ 145,000 | $ 62,000 |
| Lexington-Fayette, KY | 1 | $ 74,000 | $ 74,000 | $ 60,000 |
| Madera, CA | 1 | $ 140,000 | $ 140,000 | $ 41,000 |
| Medford, OR | 1 | $ 597,000 | $ 597,000 | $ 129,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 221,000 | $ 221,000 | $ 59,000 |
| Napa, CA | 1 | $ 650,000 | $ 650,000 | $ 109,000 |
| Naples-Marco Island, FL | 1 | $ 306,000 | $ 306,000 | $ 67,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 77,000 | $ 77,000 | $ 120,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 245,000 | $ 245,000 | $ 105,000 |
| Port St. Lucie, FL | 1 | $ 288,000 | $ 288,000 | $ 240,000 |
| Punta Gorda, FL | 1 | $ 417,000 | $ 417,000 | $ 129,000 |
| Redding, CA | 1 | $ 202,000 | $ 202,000 | $ 47,000 |
| Salinas, CA | 1 | $ 367,000 | $ 367,000 | $ 81,000 |
| Salt Lake City, UT | 1 | $ 643,000 | $ 643,000 | $ 312,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 677,000 | $ 677,000 | $ 168,000 |
| Santa Fe, NM | 1 | $ 294,000 | $ 294,000 | $ 83,000 |
| St. George, UT | 1 | $ 144,000 | $ 144,000 | $ 42,000 |
| St. Louis, MO-IL | 1 | $ 149,000 | $ 149,000 | $ 50,000 |
| Wenatchee, WA | 1 | $ 203,000 | $ 203,000 | $ 186,000 |
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.
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