Just Mortgage Mortgage Lending & HMDA Data, 2010
In 2010, Just Mortgage of Rancho Cucamonga, CA reported 7,215 mortgage applications totaling $1.9 billion, up 22% from 2009. The average application was for $257,271, and applicants reported an average income of $82,683. 74% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (2,208), Washington-Arlington-Alexandria, DC-VA-MD-WV (795) and Santa Ana-Anaheim-Irvine, CA (743) (applications in parentheses).
| Mortgage Company & Address | Just Mortgage 9680 Haven Ave. Suit 200 Rancho Cucamonga, CA 91730 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 |
| Total Number of Mortgage Applications | 7,215 |
| Total Mortgage Loan Application Amount | $1,856,217,000 |
| Average Mortgage Loan Application Amount | $257,271 |
| Highest Mortgage Loan Application Amount | $1,295,000 |
| Average Applicant Income | $82,683 |
| Highest Applicant Income | $1,291,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Just Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,208 | $ 671,832,000 | $ 304,271 | $ 91,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 795 | $ 197,994,000 | $ 249,049 | $ 79,922 |
| Santa Ana-Anaheim-Irvine, CA | 743 | $ 236,663,000 | $ 318,523 | $ 96,000 |
| Riverside-San Bernardino-Ontario, CA | 660 | $ 132,229,000 | $ 200,346 | $ 72,000 |
| Atlanta-Sandy Springs-Marietta, GA | 375 | $ 58,467,000 | $ 155,912 | $ 61,000 |
| Oakland-Fremont-Hayward, CA | 275 | $ 73,633,000 | $ 267,756 | $ 80,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 171 | $ 32,353,000 | $ 189,198 | $ 74,000 |
| Bethesda-Rockville-Frederick, MD | 144 | $ 38,551,000 | $ 267,715 | $ 83,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 133 | $ 42,496,000 | $ 319,518 | $ 96,000 |
| San Diego-Carlsbad-San Marcos, CA | 132 | $ 35,687,000 | $ 270,356 | $ 95,000 |
| Baltimore-Towson, MD | 130 | $ 31,669,000 | $ 243,607 | $ 74,000 |
| San Francisco-San Mateo-Redwood City, CA | 127 | $ 45,562,000 | $ 358,755 | $ 97,000 |
| Chicago-Joliet-Naperville, IL | 114 | $ 21,425,000 | $ 187,938 | $ 61,000 |
| Las Vegas-Paradise, NV | 77 | $ 10,286,000 | $ 133,584 | $ 53,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 76 | $ 23,811,000 | $ 313,302 | $ 98,000 |
| Houston-Sugar Land-Baytown, TX | 70 | $ 9,780,000 | $ 139,714 | $ 63,000 |
| Honolulu, HI | 43 | $ 16,163,000 | $ 375,883 | $ 105,000 |
| Stockton, CA | 40 | $ 6,739,000 | $ 168,475 | $ 91,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 39 | $ 5,544,000 | $ 142,153 | $ 64,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 35 | $ 7,157,000 | $ 204,485 | $ 62,000 |
| Bakersfield-Delano, CA | 34 | $ 3,973,000 | $ 116,852 | $ 56,000 |
| Seattle-Bellevue-Everett, WA | 34 | $ 9,446,000 | $ 277,823 | $ 99,000 |
| Warren-Troy-Farmington Hills, MI | 32 | $ 5,943,000 | $ 185,718 | $ 64,000 |
| Orlando-Kissimmee-Sanford, FL | 31 | $ 3,792,000 | $ 122,322 | $ 57,000 |
| New York-White Plains-Wayne, NY-NJ | 30 | $ 7,933,000 | $ 264,433 | $ 82,000 |
| Tampa-St. Petersburg-Clearwater, FL | 29 | $ 3,364,000 | $ 116,000 | $ 55,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 26 | $ 4,959,000 | $ 190,730 | $ 74,000 |
| Fresno, CA | 25 | $ 4,584,000 | $ 183,360 | $ 58,000 |
| Denver-Aurora-Broomfield, CO | 22 | $ 4,139,000 | $ 188,136 | $ 62,000 |
| Miami-Miami Beach-Kendall, FL | 22 | $ 3,849,000 | $ 174,954 | $ 70,000 |
| Salinas, CA | 22 | $ 5,252,000 | $ 238,727 | $ 74,000 |
| Raleigh-Cary, NC | 21 | $ 4,407,000 | $ 209,857 | $ 81,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 20 | $ 4,178,000 | $ 208,900 | $ 71,000 |
| Edison-New Brunswick, NJ | 19 | $ 4,287,000 | $ 225,631 | $ 121,000 |
| Dallas-Plano-Irving, TX | 17 | $ 2,308,000 | $ 135,764 | $ 74,000 |
| Santa Rosa-Petaluma, CA | 17 | $ 4,287,000 | $ 252,176 | $ 73,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 16 | $ 3,827,000 | $ 239,187 | $ 64,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 15 | $ 3,122,000 | $ 208,133 | $ 71,400 |
| Richmond, VA | 14 | $ 2,057,000 | $ 146,928 | $ 58,000 |
| Gainesville, GA | 13 | $ 1,724,000 | $ 132,615 | $ 38,000 |
| Jacksonville, FL | 13 | $ 2,431,000 | $ 187,000 | $ 79,000 |
| Santa Cruz-Watsonville, CA | 13 | $ 3,352,000 | $ 257,846 | $ 85,000 |
| Vallejo-Fairfield, CA | 13 | $ 2,501,000 | $ 192,384 | $ 59,000 |
| Fort Worth-Arlington, TX | 12 | $ 1,942,000 | $ 161,833 | $ 101,000 |
| Modesto, CA | 12 | $ 1,660,000 | $ 138,333 | $ 53,000 |
| Lake County-Kenosha County, IL-WI | 10 | $ 1,851,000 | $ 185,100 | $ 69,000 |
| Phoenix-Mesa-Glendale, AZ | 10 | $ 2,131,000 | $ 213,100 | $ 76,000 |
| Memphis, TN-MS-AR | 8 | $ 1,080,000 | $ 135,000 | $ 47,000 |
| Augusta-Richmond County, GA-SC | 7 | $ 1,267,000 | $ 181,000 | $ 57,142 |
| Greensboro-High Point, NC | 7 | $ 1,029,000 | $ 147,000 | $ 50,000 |
| Knoxville, TN | 7 | $ 1,212,000 | $ 173,142 | $ 86,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 7 | $ 1,154,000 | $ 164,857 | $ 199,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 491,000 | $ 81,833 | $ 59,000 |
| Chico, CA | 6 | $ 1,349,000 | $ 224,833 | $ 94,000 |
| Columbia, SC | 6 | $ 830,000 | $ 138,333 | $ 57,000 |
| Durham-Chapel Hill, NC | 6 | $ 1,126,000 | $ 187,666 | $ 61,000 |
| Newark-Union, NJ-PA | 6 | $ 1,967,000 | $ 327,833 | $ 89,000 |
| San Luis Obispo-Paso Robles, CA | 6 | $ 2,501,000 | $ 416,833 | $ 105,000 |
| Asheville, NC | 5 | $ 998,000 | $ 199,600 | $ 76,000 |
| Fayetteville, NC | 5 | $ 1,223,000 | $ 244,600 | $ 117,000 |
| Reno-Sparks, NV | 5 | $ 1,012,000 | $ 202,400 | $ 129,000 |
| Winston-Salem, NC | 5 | $ 573,000 | $ 114,600 | $ 34,000 |
| Columbus, OH | 4 | $ 751,000 | $ 187,750 | $ 149,000 |
| Huntsville, AL | 4 | $ 627,000 | $ 156,750 | $ 58,000 |
| Lakeland-Winter Haven, FL | 4 | $ 528,000 | $ 132,000 | $ 78,000 |
| Macon, GA | 4 | $ 744,000 | $ 186,000 | $ 56,000 |
| San Antonio-New Braunfels, TX | 4 | $ 506,000 | $ 126,500 | $ 51,000 |
| Savannah, GA | 4 | $ 646,000 | $ 161,500 | $ 62,000 |
| Tacoma, WA | 4 | $ 984,000 | $ 246,000 | $ 64,000 |
| Visalia-Porterville, CA | 4 | $ 570,000 | $ 142,500 | $ 68,000 |
| Warner Robins, GA | 4 | $ 552,000 | $ 138,000 | $ 55,000 |
| Austin-Round Rock-San Marcos, TX | 3 | $ 696,000 | $ 232,000 | $ 99,000 |
| Merced, CA | 3 | $ 609,000 | $ 203,000 | $ 65,000 |
| Norwich-New London, CT | 3 | $ 566,000 | $ 188,666 | $ 47,000 |
| Wilmington, NC | 3 | $ 606,000 | $ 202,000 | $ 46,000 |
| Beaumont-Port Arthur, TX | 2 | $ 174,000 | $ 87,000 | $ 45,000 |
| Carson City, NV | 2 | $ 249,000 | $ 124,500 | $ 98,000 |
| Charleston-North Charleston-Summerville, SC | 2 | $ 531,000 | $ 265,500 | $ 89,000 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 252,000 | $ 126,000 | $ 76,000 |
| Columbus, GA-AL | 2 | $ 251,000 | $ 125,500 | $ 49,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 276,000 | $ 138,000 | $ 47,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 321,000 | $ 160,500 | $ 59,000 |
| Indianapolis-Carmel, IN | 2 | $ 365,000 | $ 182,500 | $ 68,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 256,000 | $ 128,000 | $ 87,000 |
| Lynchburg, VA | 2 | $ 306,000 | $ 153,000 | $ 59,000 |
| Madera-Chowchilla, CA | 2 | $ 470,000 | $ 235,000 | $ 233,000 |
| Mobile, AL | 2 | $ 254,000 | $ 127,000 | $ 46,000 |
| North Port-Bradenton-Sarasota, FL | 2 | $ 356,000 | $ 178,000 | $ 64,000 |
| Ocala, FL | 2 | $ 312,000 | $ 156,000 | $ 86,000 |
| Olympia, WA | 2 | $ 612,000 | $ 306,000 | $ 54,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 501,000 | $ 250,500 | $ 75,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 2 | $ 268,000 | $ 134,000 | $ 39,000 |
| Port St. Lucie, FL | 2 | $ 216,000 | $ 108,000 | $ 39,000 |
| Redding, CA | 2 | $ 399,000 | $ 199,500 | $ 62,000 |
| Tallahassee, FL | 2 | $ 298,000 | $ 149,000 | $ 44,000 |
| Tucson, AZ | 2 | $ 341,000 | $ 170,500 | $ 81,000 |
| Bellingham, WA | 1 | $ 135,000 | $ 135,000 | $ 49,000 |
| Birmingham-Hoover, AL | 1 | $ 168,000 | $ 168,000 | $ 50,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 293,000 | $ 293,000 | $ 137,000 |
| Brownsville-Harlingen, TX | 1 | $ 116,000 | $ 116,000 | $ 56,000 |
| Camden, NJ | 1 | $ 140,000 | $ 140,000 | $ 78,000 |
| Charlottesville, VA | 1 | $ 118,000 | $ 118,000 | $ 36,000 |
| Chattanooga, TN-GA | 1 | $ 188,000 | $ 188,000 | $ 55,000 |
| Decatur, IL | 1 | $ 180,000 | $ 180,000 | $ 46,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 351,000 | $ 351,000 | $ 105,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 328,000 | $ 328,000 | $ 102,000 |
| El Centro, CA | 1 | $ 74,000 | $ 74,000 | $ 24,000 |
| Eugene-Springfield, OR | 1 | $ 126,000 | $ 126,000 | $ 58,000 |
| Flint, MI | 1 | $ 183,000 | $ 183,000 | $ 123,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 126,000 | $ 126,000 | $ 54,000 |
| Jacksonville, NC | 1 | $ 165,000 | $ 165,000 | $ 58,000 |
| Johnson City, TN | 1 | $ 122,000 | $ 122,000 | $ 38,000 |
| Kalamazoo-Portage, MI | 1 | $ 58,000 | $ 58,000 | $ 19,000 |
| Lafayette, IN | 1 | $ 76,000 | $ 76,000 | $ 30,000 |
| Lansing-East Lansing, MI | 1 | $ 252,000 | $ 252,000 | $ 84,000 |
| Longview, TX | 1 | $ 240,000 | $ 240,000 | $ 62,000 |
| Lubbock, TX | 1 | $ 152,000 | $ 152,000 | $ 42,000 |
| Medford, OR | 1 | $ 222,000 | $ 222,000 | $ 55,000 |
| Monroe, MI | 1 | $ 90,000 | $ 90,000 | $ 69,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 160,000 | $ 160,000 | $ 38,000 |
| Napa, CA | 1 | $ 409,000 | $ 409,000 | $ 267,000 |
| Naples-Marco Island, FL | 1 | $ 417,000 | $ 417,000 | $ 82,000 |
| Ocean City, NJ | 1 | $ 252,000 | $ 252,000 | $ 71,000 |
| Provo-Orem, UT | 1 | $ 412,000 | $ 412,000 | $ 101,000 |
| Punta Gorda, FL | 1 | $ 147,000 | $ 147,000 | $ 66,000 |
| Rockford, IL | 1 | $ 142,000 | $ 142,000 | $ 47,000 |
| Rome, GA | 1 | $ 168,000 | $ 168,000 | $ 61,000 |
| Salisbury, MD | 1 | $ 144,000 | $ 144,000 | $ 26,000 |
| Salt Lake City, UT | 1 | $ 372,000 | $ 372,000 | $ 90,000 |
| Sebastian-Vero Beach, FL | 1 | $ 74,000 | $ 74,000 | $ 46,000 |
| Springfield, IL | 1 | $ 124,000 | $ 124,000 | $ 71,000 |
| St. Louis, MO-IL | 1 | $ 68,000 | $ 68,000 | $ 30,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 148,000 | $ 148,000 | $ 43,000 |
| Trenton-Ewing, NJ | 1 | $ 80,000 | $ 80,000 | $ 53,000 |
| Tyler, TX | 1 | $ 88,000 | $ 88,000 | $ 47,000 |
| Valdosta, GA | 1 | $ 109,000 | $ 109,000 | $ 34,000 |
| Victoria, TX | 1 | $ 150,000 | $ 150,000 | $ 47,000 |
| Wichita Falls, TX | 1 | $ 330,000 | $ 330,000 | $ 105,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 263,000 | $ 263,000 | $ 82,000 |
Mortgage Loan Application Detail Totals for Just Mortgage in 2010
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 | 4,575 | $1,080,001,000 | $236,000 | $925,000 | $75,000 | $1,138,000 |
| Refinancing | 2,640 | $776,216,000 | $294,000 | $1,295,000 | $96,000 | $1,291,000 |
| 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 |
|---|---|---|---|---|---|---|
| Asian | 4,131 | $1,072,899,000 | $259,000 | $730,000 | $81,000 | $1,291,000 |
| White | 1,559 | $442,532,000 | $283,000 | $1,295,000 | $97,000 | $631,000 |
| Hispanic | 843 | $176,611,000 | $209,000 | $730,000 | $64,000 | $551,000 |
| Not Provided | 393 | $102,937,000 | $261,000 | $730,000 | $92,000 | $665,000 |
| Black or African American | 167 | $32,707,000 | $195,000 | $580,000 | $67,000 | $182,000 |
| American Indian or Alaskan Native | 83 | $16,722,000 | $201,000 | $556,000 | $67,000 | $184,000 |
| Native Hawaiian or Other Pacific Islander | 39 | $11,809,000 | $302,000 | $596,000 | $97,000 | $296,000 |
| 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) | 6,750 | $1,740,797,000 | $257,000 | $1,295,000 | $83,000 | $1,138,000 |
| FHA-insured (Federal Housing Administration) | 465 | $115,420,000 | $248,000 | $705,000 | $81,000 | $1,291,000 |
| 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 | 5,315 | $1,377,676,000 | $259,000 | $795,000 | $84,000 | $1,291,000 |
| Application Withdrawn By Applicant | 856 | $213,903,000 | $249,000 | $736,000 | $81,000 | $665,000 |
| Application Denied By Financial Institution | 847 | $208,504,000 | $246,000 | $1,295,000 | $78,000 | $471,000 |
| File Closed For Incompleteness | 197 | $56,134,000 | $284,000 | $830,000 | $94,000 | $405,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 243 | $67,043,000 | $275,000 | $925,000 | $74,000 | $471,000 |
| Collateral | 196 | $45,004,000 | $229,000 | $796,000 | $78,000 | $466,000 |
| Other | 183 | $47,134,000 | $257,000 | $730,000 | $89,000 | $372,000 |
| Credit History | 163 | $37,094,000 | $227,000 | $1,295,000 | $74,000 | $450,000 |
| Employment History | 28 | $5,453,000 | $194,000 | $530,000 | $70,000 | $360,000 |
| Unverifiable Information | 24 | $4,418,000 | $184,000 | $348,000 | $65,000 | $129,000 |
| Credit Application Incomplete | 6 | $1,274,000 | $212,000 | $375,000 | $85,000 | $150,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $441,000 | $220,000 | $315,000 | $55,000 | $75,000 |
| Mortgage Insurance Denied | 2 | $643,000 | $321,000 | $400,000 | $104,000 | $126,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Just Mortgage's 2010 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 Just Mortgage'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
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