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Act (HMDA) records J&R Lending Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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