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Act (HMDA) records J&R Lending Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
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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