Jmac Lending Inc Mortgage Lending & HMDA Data, 2008
In 2008, Jmac Lending Inc of Irvine, CA reported 2,715 mortgage applications totaling $855.0 million, up 895% from 2007. The average application was for $314,898, and applicants reported an average income of $99,345. 37% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (826), Santa Ana-Anaheim-Irvine, CA (719) and Riverside-San Bernardino-Ontario, CA (404) (applications in parentheses).
| Mortgage Company & Address | Jmac Lending Inc 16782 Von Karman Ave, Suite 12 Irvine, CA 92606 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 2,715 |
| Total Mortgage Loan Application Amount | $854,950,000 |
| Average Mortgage Loan Application Amount | $314,898 |
| Highest Mortgage Loan Application Amount | $1,920,000 |
| Average Applicant Income | $99,345 |
| Highest Applicant Income | $1,920,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Jmac Lending Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 826 | $ 274,311,000 | $ 332,095 | $ 94,000 |
| Santa Ana-Anaheim-Irvine, CA | 719 | $ 234,992,000 | $ 326,831 | $ 95,000 |
| Riverside-San Bernardino-Ontario, CA | 404 | $ 105,863,000 | $ 262,037 | $ 89,000 |
| San Diego-Carlsbad-San Marcos, CA | 113 | $ 38,290,000 | $ 338,849 | $ 112,000 |
| Oakland-Fremont-Hayward, CA | 65 | $ 22,384,000 | $ 344,369 | $ 125,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 58 | $ 18,130,000 | $ 312,586 | $ 108,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 49 | $ 19,674,000 | $ 401,510 | $ 119,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 28 | $ 10,051,000 | $ 358,964 | $ 106,000 |
| San Francisco-San Mateo-Redwood City, CA | 27 | $ 12,941,000 | $ 479,296 | $ 138,000 |
| Bakersfield, CA | 26 | $ 5,651,000 | $ 217,346 | $ 97,000 |
| Honolulu, HI | 22 | $ 9,547,000 | $ 433,954 | $ 99,000 |
| Phoenix-Mesa-Scottsdale, AZ | 21 | $ 6,893,000 | $ 328,238 | $ 133,000 |
| Stockton, CA | 18 | $ 4,968,000 | $ 276,000 | $ 114,000 |
| Houston-Sugar Land-Baytown, TX | 16 | $ 2,920,000 | $ 182,500 | $ 100,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 15 | $ 3,915,000 | $ 261,000 | $ 118,000 |
| Las Vegas-Paradise, NV | 15 | $ 4,461,000 | $ 297,400 | $ 125,000 |
| Fresno, CA | 14 | $ 3,580,000 | $ 255,714 | $ 85,000 |
| Miami-Miami Beach-Kendall, FL | 14 | $ 3,401,000 | $ 242,928 | $ 81,000 |
| Modesto, CA | 13 | $ 4,249,000 | $ 326,846 | $ 106,000 |
| Vallejo-Fairfield, CA | 13 | $ 3,834,000 | $ 294,923 | $ 82,000 |
| El Centro, CA | 12 | $ 2,335,000 | $ 194,583 | $ 76,000 |
| Orlando-Kissimmee, FL | 10 | $ 1,863,000 | $ 186,300 | $ 68,000 |
| Tampa-St. Petersburg-Clearwater, FL | 10 | $ 1,364,000 | $ 136,400 | $ 75,000 |
| Dallas-Plano-Irving, TX | 9 | $ 1,835,000 | $ 203,888 | $ 144,000 |
| Merced, CA | 9 | $ 1,622,000 | $ 180,222 | $ 116,000 |
| Denver-Aurora, CO | 8 | $ 2,175,000 | $ 271,875 | $ 126,000 |
| Provo-Orem, UT | 8 | $ 2,053,000 | $ 256,625 | $ 119,000 |
| Portland-Vancouver-Beaverton, OR-WA | 7 | $ 2,593,000 | $ 370,428 | $ 135,000 |
| Salt Lake City, UT | 7 | $ 2,110,000 | $ 301,428 | $ 232,000 |
| Salinas, CA | 6 | $ 1,813,000 | $ 302,166 | $ 105,000 |
| Yuba City, CA | 6 | $ 1,081,000 | $ 180,166 | $ 56,000 |
| Naples-Marco Island, FL | 5 | $ 1,201,000 | $ 240,200 | $ 210,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 821,000 | $ 164,200 | $ 66,000 |
| San Luis Obispo-Paso Robles, CA | 5 | $ 1,722,000 | $ 344,400 | $ 168,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 5 | $ 2,036,000 | $ 407,200 | $ 109,000 |
| Visalia-Porterville, CA | 5 | $ 826,000 | $ 165,200 | $ 70,000 |
| Boise City-Nampa, ID | 4 | $ 1,195,000 | $ 298,750 | $ 195,000 |
| Bradenton-Sarasota-Venice, FL | 4 | $ 1,556,000 | $ 389,000 | $ 173,000 |
| Lake Havasu City-Kingman, AZ | 4 | $ 928,000 | $ 232,000 | $ 218,000 |
| Ogden-Clearfield, UT | 4 | $ 1,387,000 | $ 346,750 | $ 110,000 |
| Santa Cruz-Watsonville, CA | 4 | $ 1,768,000 | $ 442,000 | $ 77,000 |
| Santa Rosa-Petaluma, CA | 4 | $ 1,229,000 | $ 307,250 | $ 134,000 |
| Tucson, AZ | 4 | $ 1,082,000 | $ 270,500 | $ 125,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 4 | $ 867,000 | $ 216,750 | $ 118,000 |
| Coeur D'Alene, ID | 3 | $ 795,000 | $ 265,000 | $ 56,000 |
| Fort Worth-Arlington, TX | 3 | $ 488,000 | $ 162,666 | $ 101,000 |
| Madera, CA | 3 | $ 823,000 | $ 274,333 | $ 82,000 |
| Port St. Lucie, FL | 3 | $ 460,000 | $ 153,333 | $ 38,000 |
| Salem, OR | 3 | $ 568,000 | $ 189,333 | $ 55,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 988,000 | $ 329,333 | $ 157,000 |
| Bend, OR | 2 | $ 816,000 | $ 408,000 | $ 126,000 |
| Brownsville-Harlingen, TX | 2 | $ 131,000 | $ 65,500 | $ 22,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 662,000 | $ 331,000 | $ 139,000 |
| Columbia, SC | 2 | $ 310,000 | $ 155,000 | $ 71,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 460,000 | $ 230,000 | $ 101,000 |
| Eugene-Springfield, OR | 2 | $ 268,000 | $ 134,000 | $ 38,000 |
| Lakeland-Winter Haven, FL | 2 | $ 476,000 | $ 238,000 | $ 88,000 |
| Panama City-Lynn Haven, FL | 2 | $ 528,000 | $ 264,000 | $ 123,000 |
| St. George, UT | 2 | $ 1,623,000 | $ 811,500 | $ 233,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 429,000 | $ 214,500 | $ 91,000 |
| Austin-Round Rock, TX | 1 | $ 307,000 | $ 307,000 | $ 58,000 |
| Carson City, NV | 1 | $ 165,000 | $ 165,000 | $ 113,000 |
| Chico, CA | 1 | $ 221,000 | $ 221,000 | $ 89,000 |
| College Station-Bryan, TX | 1 | $ 102,000 | $ 102,000 | $ 120,000 |
| Colorado Springs, CO | 1 | $ 360,000 | $ 360,000 | $ 140,000 |
| Corpus Christi, TX | 1 | $ 166,000 | $ 166,000 | $ 178,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 144,000 | $ 144,000 | $ 101,000 |
| Flagstaff, AZ | 1 | $ 281,000 | $ 281,000 | $ 74,000 |
| Hanford-Corcoran, CA | 1 | $ 245,000 | $ 245,000 | $ 42,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 95,000 | $ 95,000 | $ 84,000 |
| Medford, OR | 1 | $ 285,000 | $ 285,000 | $ 50,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 207,000 | $ 207,000 | $ 93,000 |
| Napa, CA | 1 | $ 729,000 | $ 729,000 | $ 52,000 |
| Palm Coast, FL | 1 | $ 188,000 | $ 188,000 | $ 82,000 |
| Redding, CA | 1 | $ 417,000 | $ 417,000 | $ 213,000 |
| Reno-Sparks, NV | 1 | $ 398,000 | $ 398,000 | $ 115,000 |
| Sebastian-Vero Beach, FL | 1 | $ 417,000 | $ 417,000 | $ 421,000 |
Mortgage Loan Application Detail Totals for Jmac Lending Inc in 2008
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 | 1,497 | $487,920,000 | $325,000 | $1,920,000 | $98,000 | $1,920,000 |
| Home Purchase | 1,218 | $367,030,000 | $301,000 | $1,463,000 | $101,000 | $756,000 |
| 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 | 1,003 | $344,621,000 | $343,000 | $1,920,000 | $119,000 | $1,920,000 |
| Asian | 977 | $296,421,000 | $303,000 | $900,000 | $92,000 | $551,000 |
| Hispanic | 629 | $182,342,000 | $289,000 | $1,325,000 | $80,000 | $421,000 |
| Black or African American | 62 | $17,087,000 | $275,000 | $620,000 | $90,000 | $456,000 |
| Not Provided | 22 | $6,847,000 | $311,000 | $1,100,000 | $94,000 | $436,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $5,037,000 | $314,000 | $640,000 | $105,000 | $372,000 |
| American Indian or Alaskan Native | 6 | $2,595,000 | $432,000 | $795,000 | $176,000 | $300,000 |
| 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) | 2,663 | $840,904,000 | $315,000 | $1,920,000 | $100,000 | $1,920,000 |
| FHA-insured (Federal Housing Administration) | 52 | $14,046,000 | $270,000 | $585,000 | $82,000 | $195,000 |
| 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 | 995 | $281,463,000 | $282,000 | $777,000 | $86,000 | $756,000 |
| Application Approved But Not Accepted | 692 | $216,239,000 | $312,000 | $1,370,000 | $95,000 | $1,920,000 |
| Application Denied By Financial Institution | 598 | $207,133,000 | $346,000 | $1,500,000 | $110,000 | $720,000 |
| Application Withdrawn By Applicant | 388 | $135,756,000 | $349,000 | $1,920,000 | $124,000 | $948,000 |
| File Closed For Incompleteness | 42 | $14,359,000 | $341,000 | $1,463,000 | $131,000 | $525,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 161 | $62,911,000 | $390,000 | $1,500,000 | $116,000 | $557,000 |
| Collateral | 115 | $38,979,000 | $338,000 | $1,488,000 | $118,000 | $696,000 |
| Other | 101 | $33,381,000 | $330,000 | $1,000,000 | $116,000 | $551,000 |
| Employment History | 33 | $11,212,000 | $339,000 | $770,000 | $107,000 | $276,000 |
| Credit History | 29 | $12,107,000 | $417,000 | $1,425,000 | $139,000 | $720,000 |
| Credit Application Incomplete | 19 | $6,466,000 | $340,000 | $576,000 | $95,000 | $168,000 |
| Mortgage Insurance Denied | 15 | $4,004,000 | $266,000 | $625,000 | $77,000 | $142,000 |
| Unverifiable Information | 13 | $3,504,000 | $269,000 | $400,000 | $109,000 | $288,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $270,000 | $270,000 | $270,000 | $109,000 | $109,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Jmac Lending Inc's 2008 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 Jmac 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