Jmac Lending, Inc. Mortgage Lending & HMDA Data, 2019
In 2019, Jmac Lending, Inc. of Santa Ana, CA reported 7,716 mortgage applications totaling $3.8 billion, up 43% from 2018. The average application was for $490,793, and applicants reported an average income of $163,395. 57% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,053), Anaheim-Santa Ana-Irvine, CA (825) and Riverside-San Bernardino-Ontario, CA (683) (applications in parentheses).
| Mortgage Company & Address | Jmac Lending, Inc. 2510 Red Hill Avenue Santa Ana, CA 92705 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 7,716 |
| Total Mortgage Loan Application Amount | $3,786,960,000 |
| Average Mortgage Loan Application Amount | $490,793 |
| Highest Mortgage Loan Application Amount | $3,925,000 |
| Average Applicant Income | $163,395 |
| Highest Applicant Income | $8,486,000 |
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Act (HMDA) records Jmac Lending, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,053 | $ 674,275,000 | $ 640,337 | $ 193,000 |
| Anaheim-Santa Ana-Irvine, CA | 825 | $ 489,105,000 | $ 592,854 | $ 190,000 |
| Riverside-San Bernardino-Ontario, CA | 683 | $ 235,645,000 | $ 345,014 | $ 115,000 |
| Phoenix-Mesa-Scottsdale, AZ | 467 | $ 130,755,000 | $ 279,989 | $ 100,000 |
| Oakland-Hayward-Berkeley, CA | 444 | $ 280,160,000 | $ 630,990 | $ 190,000 |
| San Diego-Carlsbad, CA | 401 | $ 259,765,000 | $ 647,793 | $ 224,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 328 | $ 266,870,000 | $ 813,628 | $ 235,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 291 | $ 118,135,000 | $ 405,962 | $ 142,000 |
| Las Vegas-Henderson-Paradise, NV | 207 | $ 57,865,000 | $ 279,541 | $ 86,000 |
| San Francisco-Redwood City-South San Francisco, CA | 196 | $ 193,460,000 | $ 987,040 | $ 278,000 |
| Houston-The Woodlands-Sugar Land, TX | 160 | $ 37,580,000 | $ 234,875 | $ 97,000 |
| Seattle-Bellevue-Everett, WA | 145 | $ 87,605,000 | $ 604,172 | $ 198,000 |
| Dallas-Plano-Irving, TX | 135 | $ 39,615,000 | $ 293,444 | $ 134,000 |
| Outside any metro area | 131 | $ 56,965,000 | $ 434,847 | $ 183,946 |
| Atlanta-Sandy Springs-Roswell, GA | 113 | $ 38,045,000 | $ 336,681 | $ 124,000 |
| Denver-Aurora-Lakewood, CO | 112 | $ 41,070,000 | $ 366,696 | $ 133,000 |
| Santa Maria-Santa Barbara, CA | 112 | $ 45,850,000 | $ 409,375 | $ 204,000 |
| Orlando-Kissimmee-Sanford, FL | 105 | $ 26,745,000 | $ 254,714 | $ 91,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 102 | $ 47,030,000 | $ 461,078 | $ 142,000 |
| Tampa-St. Petersburg-Clearwater, FL | 99 | $ 27,625,000 | $ 279,040 | $ 128,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 98 | $ 29,900,000 | $ 305,102 | $ 100,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 83 | $ 30,595,000 | $ 368,614 | $ 136,253 |
| Oxnard-Thousand Oaks-Ventura, CA | 76 | $ 43,110,000 | $ 567,236 | $ 286,000 |
| Fort Worth-Arlington, TX | 66 | $ 14,730,000 | $ 223,181 | $ 122,000 |
| Stockton-Lodi, CA | 62 | $ 21,090,000 | $ 340,161 | $ 104,000 |
| Urban Honolulu, HI | 62 | $ 47,210,000 | $ 761,451 | $ 181,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 50 | $ 17,580,000 | $ 351,600 | $ 120,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 49 | $ 24,425,000 | $ 498,469 | $ 381,000 |
| Vallejo-Fairfield, CA | 48 | $ 17,730,000 | $ 369,375 | $ 98,000 |
| San Rafael, CA | 46 | $ 34,370,000 | $ 747,173 | $ 264,000 |
| Miami-Miami Beach-Kendall, FL | 45 | $ 16,875,000 | $ 375,000 | $ 126,000 |
| Austin-Round Rock, TX | 43 | $ 14,685,000 | $ 341,511 | $ 155,000 |
| Modesto, CA | 40 | $ 11,380,000 | $ 284,500 | $ 149,000 |
| Tucson, AZ | 38 | $ 13,420,000 | $ 353,157 | $ 103,000 |
| Santa Cruz-Watsonville, CA | 36 | $ 27,470,000 | $ 763,055 | $ 227,000 |
| Bakersfield, CA | 32 | $ 8,170,000 | $ 255,312 | $ 102,000 |
| Salinas, CA | 28 | $ 14,530,000 | $ 518,928 | $ 156,000 |
| Santa Rosa, CA | 28 | $ 16,060,000 | $ 573,571 | $ 193,000 |
| Tacoma-Lakewood, WA | 28 | $ 8,620,000 | $ 307,857 | $ 110,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 28 | $ 12,960,000 | $ 462,857 | $ 175,000 |
| Fresno, CA | 27 | $ 8,045,000 | $ 297,962 | $ 120,000 |
| Reno, NV | 27 | $ 9,185,000 | $ 340,185 | $ 101,000 |
| Ocala, FL | 25 | $ 3,675,000 | $ 147,000 | $ 54,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 23 | $ 6,045,000 | $ 262,826 | $ 122,000 |
| Merced, CA | 23 | $ 5,985,000 | $ 260,217 | $ 81,000 |
| Salt Lake City, UT | 21 | $ 6,985,000 | $ 332,619 | $ 91,000 |
| Salem, OR | 19 | $ 6,265,000 | $ 329,736 | $ 113,000 |
| Port St. Lucie, FL | 18 | $ 5,890,000 | $ 327,222 | $ 117,000 |
| Lakeland-Winter Haven, FL | 17 | $ 4,095,000 | $ 240,882 | $ 58,000 |
| Napa, CA | 17 | $ 14,935,000 | $ 878,529 | $ 251,000 |
| Visalia-Porterville, CA | 15 | $ 3,395,000 | $ 226,333 | $ 169,000 |
| Boulder, CO | 14 | $ 9,170,000 | $ 655,000 | $ 227,000 |
| Jacksonville, FL | 14 | $ 7,020,000 | $ 501,428 | $ 250,000 |
| Kahului-Wailuku-Lahaina, HI | 13 | $ 10,965,000 | $ 843,461 | $ 86,000 |
| Bremerton-Silverdale, WA | 12 | $ 4,530,000 | $ 377,500 | $ 121,000 |
| Colorado Springs, CO | 12 | $ 4,140,000 | $ 345,000 | $ 149,000 |
| San Antonio-New Braunfels, TX | 12 | $ 3,010,000 | $ 250,833 | $ 99,000 |
| Baltimore-Columbia-Towson, MD | 11 | $ 3,845,000 | $ 349,545 | $ 106,000 |
| Ogden-Clearfield, UT | 11 | $ 4,065,000 | $ 369,545 | $ 116,000 |
| Spokane-Spokane Valley, WA | 11 | $ 2,885,000 | $ 262,272 | $ 142,000 |
| Charleston-North Charleston, SC | 10 | $ 3,980,000 | $ 398,000 | $ 106,000 |
| Charlotte-Concord-Gastonia, NC-SC | 10 | $ 2,340,000 | $ 234,000 | $ 127,000 |
| Hanford-Corcoran, CA | 10 | $ 1,960,000 | $ 196,000 | $ 51,000 |
| Kennewick-Richland, WA | 10 | $ 2,910,000 | $ 291,000 | $ 162,000 |
| North Port-Sarasota-Bradenton, FL | 10 | $ 1,950,000 | $ 195,000 | $ 117,000 |
| Chico, CA | 9 | $ 2,635,000 | $ 292,777 | $ 74,000 |
| Olympia-Tumwater, WA | 9 | $ 2,495,000 | $ 277,222 | $ 182,000 |
| Prescott Valley-Prescott, AZ | 9 | $ 2,255,000 | $ 250,555 | $ 63,000 |
| Provo-Orem, UT | 9 | $ 3,055,000 | $ 339,444 | $ 74,000 |
| Yuba City, CA | 8 | $ 1,830,000 | $ 228,750 | $ 92,000 |
| Columbia, SC | 7 | $ 2,275,000 | $ 325,000 | $ 85,000 |
| Greeley, CO | 7 | $ 2,085,000 | $ 297,857 | $ 61,000 |
| Palm Bay-Melbourne-Titusville, FL | 7 | $ 1,315,000 | $ 187,857 | $ 56,000 |
| Pueblo, CO | 7 | $ 1,135,000 | $ 162,142 | $ 43,000 |
| Waco, TX | 7 | $ 1,525,000 | $ 217,857 | $ 109,000 |
| Bend-Redmond, OR | 6 | $ 2,010,000 | $ 335,000 | $ 78,000 |
| Eugene, OR | 6 | $ 1,890,000 | $ 315,000 | $ 97,000 |
| New York-Newark, NY | 6 | $ 2,780,000 | $ 463,333 | $ 235,000 |
| Pensacola-Ferry Pass-Brent, FL | 6 | $ 930,000 | $ 155,000 | $ 173,000 |
| Washington-Baltimore-Arlington, DC | 6 | $ 3,350,000 | $ 558,333 | $ 184,000 |
| Albany, OR | 5 | $ 1,065,000 | $ 213,000 | $ 57,000 |
| Flagstaff, AZ | 5 | $ 1,455,000 | $ 291,000 | $ 165,000 |
| Fort Collins, CO | 5 | $ 1,755,000 | $ 351,000 | $ 151,000 |
| Knoxville, TN | 5 | $ 2,085,000 | $ 417,000 | $ 120,000 |
| Lake Havasu City-Kingman, AZ | 5 | $ 1,265,000 | $ 253,000 | $ 134,000 |
| Madera, CA | 5 | $ 1,395,000 | $ 279,000 | $ 158,000 |
| Redding, CA | 5 | $ 1,345,000 | $ 269,000 | $ 96,000 |
| Columbus, OH | 4 | $ 710,000 | $ 177,500 | $ 67,000 |
| Homosassa Springs, FL | 4 | $ 610,000 | $ 152,500 | $ 42,000 |
| Sierra Vista-Douglas, AZ | 4 | $ 820,000 | $ 205,000 | $ 131,000 |
| Carson City, NV | 3 | $ 905,000 | $ 301,666 | $ 101,000 |
| Gainesville, GA | 3 | $ 795,000 | $ 265,000 | $ 78,000 |
| Richmond, VA | 3 | $ 1,875,000 | $ 625,000 | $ 156,000 |
| San Angelo, TX | 3 | $ 675,000 | $ 225,000 | $ 56,000 |
| Sherman-Denison, TX | 3 | $ 705,000 | $ 235,000 | $ 92,000 |
| Yakima, WA | 3 | $ 725,000 | $ 241,666 | $ 105,000 |
| Athens-Clarke County, GA | 2 | $ 600,000 | $ 300,000 | $ 93,000 |
| Boise City, ID | 2 | $ 1,070,000 | $ 535,000 | $ 398,000 |
| Cleveland-Elyria, OH | 2 | $ 310,000 | $ 155,000 | $ 78,000 |
| Corpus Christi, TX | 2 | $ 310,000 | $ 155,000 | $ 84,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 2,290,000 | $ 1,145,000 | $ 312,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 470,000 | $ 235,000 | $ 112,000 |
| Longview, WA | 2 | $ 790,000 | $ 395,000 | $ 107,000 |
| Midland, TX | 2 | $ 380,000 | $ 190,000 | $ 94,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 1,960,000 | $ 980,000 | $ 324,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 1,950,000 | $ 975,000 | $ 368,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 1,260,000 | $ 630,000 | $ 243,000 |
| Newark, NJ-PA | 2 | $ 1,080,000 | $ 540,000 | $ 241,000 |
| Raleigh, NC | 2 | $ 490,000 | $ 245,000 | $ 141,000 |
| Yuma, AZ | 2 | $ 660,000 | $ 330,000 | $ 144,000 |
| Abilene, TX | 1 | $ 205,000 | $ 205,000 | $ 50,000 |
| Albany, GA | 1 | $ 95,000 | $ 95,000 | $ 34,000 |
| Beaumont-Port Arthur, TX | 1 | $ 135,000 | $ 135,000 | $ 61,000 |
| Bellingham, WA | 1 | $ 235,000 | $ 235,000 | $ 119,000 |
| Birmingham-Hoover, AL | 1 | $ 175,000 | $ 175,000 | $ 83,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 205,000 | $ 205,000 | $ 163,000 |
| Charlottesville, VA | 1 | $ 165,000 | $ 165,000 | $ 28,000 |
| Cleveland, TN | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Corvallis, OR | 1 | $ 285,000 | $ 285,000 | $ 130,000 |
| El Centro, CA | 1 | $ 195,000 | $ 195,000 | $ 59,000 |
| Florence, SC | 1 | $ 165,000 | $ 165,000 | $ 61,000 |
| Grand Junction, CO | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Grants Pass, OR | 1 | $ 265,000 | $ 265,000 | $ 152,000 |
| Greensboro-High Point, NC | 1 | $ 275,000 | $ 275,000 | $ 80,000 |
| Hinesville, GA | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Johnson City, TN | 1 | $ 315,000 | $ 315,000 | $ 127,000 |
| Killeen-Temple, TX | 1 | $ 185,000 | $ 185,000 | $ 123,000 |
| Longview, TX | 1 | $ 125,000 | $ 125,000 | $ 269,000 |
| Medford, OR | 1 | $ 245,000 | $ 245,000 | $ 124,000 |
| Odessa, TX | 1 | $ 345,000 | $ 345,000 | $ 431,000 |
| Savannah, GA | 1 | $ 325,000 | $ 325,000 | $ 95,000 |
| Sebastian-Vero Beach, FL | 1 | $ 1,255,000 | $ 1,255,000 | $ 501,000 |
| The Villages, FL | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Tyler, TX | 1 | $ 225,000 | $ 225,000 | $ 204,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 315,000 | $ 315,000 | $ 111,000 |
| Wenatchee, WA | 1 | $ 445,000 | $ 445,000 | $ 150,000 |
| Wilmington, NC | 1 | $ 335,000 | $ 335,000 | $ 144,000 |
Mortgage Loan Application Detail Totals for Jmac Lending, Inc. in 2019
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 2,835 | $1,406,335,000 | $496,000 | $3,925,000 | $177,000 | $8,486,000 |
| Cash-out Refinancing | 2,442 | $1,109,720,000 | $454,000 | $3,905,000 | $144,000 | $2,064,000 |
| Refinancing | 2,439 | $1,270,905,000 | $521,000 | $3,605,000 | $167,000 | $8,486,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 3,334 | $1,839,670,000 | $551,000 | $3,925,000 | $194,000 | $7,334,000 |
| Asian | 1,389 | $735,615,000 | $529,000 | $3,605,000 | $164,000 | $1,265,000 |
| Hispanic | 1,339 | $454,425,000 | $339,000 | $2,345,000 | $98,000 | $3,000,000 |
| Not Provided | 1,165 | $577,085,000 | $495,000 | $3,005,000 | $157,000 | $1,358,000 |
| Black or African American | 392 | $136,260,000 | $347,000 | $1,745,000 | $149,000 | $8,486,000 |
| Native Hawaiian or Other Pacific Islander | 40 | $20,800,000 | $520,000 | $2,105,000 | $166,000 | $992,000 |
| American Indian or Alaskan Native | 34 | $12,190,000 | $358,000 | $1,405,000 | $108,000 | $341,000 |
| 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) | 6,021 | $3,239,405,000 | $538,000 | $3,925,000 | $188,000 | $8,486,000 |
| FHA-insured (Federal Housing Administration) | 1,230 | $380,650,000 | $309,000 | $725,000 | $76,000 | $447,000 |
| VA-guaranteed (Veterans Administration) | 440 | $161,370,000 | $366,000 | $1,195,000 | $72,000 | $258,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $5,535,000 | $221,000 | $405,000 | $54,000 | $89,000 |
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 | 4,360 | $1,975,100,000 | $453,000 | $3,005,000 | $148,000 | $2,961,000 |
| Application Denied By Financial Institution | 2,108 | $1,234,020,000 | $585,000 | $3,925,000 | $196,000 | $8,486,000 |
| Application Withdrawn By Applicant | 861 | $401,855,000 | $466,000 | $3,005,000 | $167,000 | $3,606,000 |
| File Closed For Incompleteness | 217 | $93,175,000 | $429,000 | $2,705,000 | $157,000 | $1,855,000 |
| Application Approved But Not Accepted | 169 | $81,835,000 | $484,000 | $1,925,000 | $144,000 | $1,071,000 |
| Loan Purchased By The Institution | 1 | $975,000 | $975,000 | $975,000 | $403,000 | $403,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 5,608 | $2,552,940,000 | $455,000 | $3,005,000 | $151,000 | $3,606,000 |
| Collateral | 751 | $444,645,000 | $592,000 | $3,905,000 | $200,000 | $2,272,000 |
| Debt-To-Income Ratio | 599 | $398,115,000 | $664,000 | $3,925,000 | $216,000 | $8,486,000 |
| Credit Application Incomplete | 179 | $83,295,000 | $465,000 | $3,605,000 | $146,000 | $1,200,000 |
| Unverifiable Information | 167 | $94,795,000 | $567,000 | $2,005,000 | $210,000 | $1,155,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 148 | $78,810,000 | $532,000 | $2,505,000 | $170,000 | $1,208,000 |
| Credit History | 142 | $69,630,000 | $490,000 | $2,255,000 | $179,000 | $3,000,000 |
| Other | 106 | $56,720,000 | $535,000 | $2,125,000 | $171,000 | $1,332,000 |
| Employment History | 16 | $8,010,000 | $500,000 | $1,105,000 | $159,000 | $387,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Jmac Lending, Inc.'s 2019 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.
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