Jams-01 Inc dba Home Savings & Trust Mortgage Mortgage Lending & HMDA Data, 2025
In 2025, Jams-01 Inc dba Home Savings & Trust Mortgage of Fairfax, VA reported 497 mortgage applications totaling $242.2 million, up 19% from 2024. The average application was for $487,334, and applicants reported an average income of $179,877. 88% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Arlington-Alexandria-Reston, VA-WV (322), Raleigh, NC (45) and Charlotte-Concord-Gastonia, NC-SC (26) (applications in parentheses).
| Mortgage Company & Address | Jams-01 Inc dba Home Savings & Trust Mortgage Jams-01, Inc. 3701 Pender Drive #150 Fairfax, VA 22030 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 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 497 |
| Total Mortgage Loan Application Amount | $242,205,000 |
| Average Mortgage Loan Application Amount | $487,334 |
| Highest Mortgage Loan Application Amount | $2,025,000 |
| Average Applicant Income | $179,877 |
| Highest Applicant Income | $3,299,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Jams-01 Inc dba Home Savings & Trust Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fairfax, Virginia | 122 | $ 72,170,000 | $ 591,557 | $ 191,000 |
| Loudoun, Virginia | 69 | $ 38,895,000 | $ 563,695 | $ 198,000 |
| Prince William, Virginia | 36 | $ 18,320,000 | $ 508,888 | $ 154,000 |
| Wake, North Carolina | 32 | $ 12,100,000 | $ 378,125 | $ 153,000 |
| Arlington, Virginia | 25 | $ 13,145,000 | $ 525,800 | $ 222,000 |
| Durham, North Carolina | 20 | $ 5,880,000 | $ 294,000 | $ 110,000 |
| Mecklenburg, North Carolina | 13 | $ 6,545,000 | $ 503,461 | $ 246,000 |
| Alexandria, Virginia | 13 | $ 7,145,000 | $ 549,615 | $ 183,000 |
| Stafford, Virginia | 13 | $ 6,065,000 | $ 466,538 | $ 170,000 |
| Johnston, North Carolina | 10 | $ 2,860,000 | $ 286,000 | $ 100,000 |
| Fauquier, Virginia | 9 | $ 5,085,000 | $ 565,000 | $ 207,000 |
| Frederick, Virginia | 8 | $ 2,860,000 | $ 357,500 | $ 171,000 |
| Manassas, Virginia | 8 | $ 2,660,000 | $ 332,500 | $ 125,000 |
| District of Columbia, District Of Columbia | 7 | $ 3,925,000 | $ 560,714 | $ 188,000 |
| Culpeper, Virginia | 7 | $ 2,585,000 | $ 369,285 | $ 144,000 |
| Montgomery, Maryland | 5 | $ 2,465,000 | $ 493,000 | $ 165,000 |
| Prince George's, Maryland | 5 | $ 2,375,000 | $ 475,000 | $ 752,000 |
| Harnett, North Carolina | 5 | $ 1,405,000 | $ 281,000 | $ 92,000 |
| York, South Carolina | 4 | $ 1,920,000 | $ 480,000 | $ 162,000 |
| Spotsylvania, Virginia | 4 | $ 2,260,000 | $ 565,000 | $ 151,000 |
| Warren, Virginia | 4 | $ 1,460,000 | $ 365,000 | $ 100,000 |
| Jefferson, West Virginia | 4 | $ 1,500,000 | $ 375,000 | $ 136,000 |
| Cabarrus, North Carolina | 3 | $ 1,195,000 | $ 398,333 | $ 158,000 |
| Chatham, North Carolina | 3 | $ 1,565,000 | $ 521,666 | $ 186,000 |
| Franklin, North Carolina | 3 | $ 635,000 | $ 211,666 | $ 92,000 |
| Iredell, North Carolina | 3 | $ 1,105,000 | $ 368,333 | $ 93,000 |
| Chesterfield, Virginia | 3 | $ 1,175,000 | $ 391,666 | $ 122,000 |
| Clarke, Virginia | 3 | $ 2,165,000 | $ 721,666 | $ 225,000 |
| Fairfax City, Virginia | 3 | $ 1,585,000 | $ 528,333 | $ 158,000 |
| Richmond City, Virginia | 3 | $ 635,000 | $ 211,666 | $ 110,000 |
| Shenandoah, Virginia | 3 | $ 875,000 | $ 291,666 | $ 88,000 |
| Westmoreland, Virginia | 3 | $ 1,365,000 | $ 455,000 | $ 379,000 |
| Berkeley, West Virginia | 3 | $ 755,000 | $ 251,666 | $ 108,000 |
| Cumberland, North Carolina | 2 | $ 430,000 | $ 215,000 | $ 64,000 |
| Forsyth, North Carolina | 2 | $ 540,000 | $ 270,000 | $ 99,000 |
| Gaston, North Carolina | 2 | $ 420,000 | $ 210,000 | $ 228,000 |
| Granville, North Carolina | 2 | $ 560,000 | $ 280,000 | $ 76,000 |
| Lee, North Carolina | 2 | $ 630,000 | $ 315,000 | $ 87,000 |
| Henrico, Virginia | 2 | $ 2,450,000 | $ 1,225,000 | $ 675,000 |
| Clay, Florida | 1 | $ 625,000 | $ 625,000 | $ 315,000 |
| Calvert, Maryland | 1 | $ 535,000 | $ 535,000 | $ 146,000 |
| Carroll, Maryland | 1 | $ 525,000 | $ 525,000 | $ 214,000 |
| Charles, Maryland | 1 | $ 285,000 | $ 285,000 | $ 105,000 |
| Harford, Maryland | 1 | $ 485,000 | $ 485,000 | $ 164,000 |
| Howard, Maryland | 1 | $ 395,000 | $ 395,000 | $ 150,000 |
| Dare, North Carolina | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Moore, North Carolina | 1 | $ 405,000 | $ 405,000 | $ 223,000 |
| Nash, North Carolina | 1 | $ 235,000 | $ 235,000 | $ 101,000 |
| Orange, North Carolina | 1 | $ 645,000 | $ 645,000 | $ 238,000 |
| Person, North Carolina | 1 | $ 235,000 | $ 235,000 | $ 172,000 |
| Rowan, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 84,000 |
| Surry, North Carolina | 1 | $ 285,000 | $ 285,000 | $ 85,000 |
| Vance, North Carolina | 1 | $ 245,000 | $ 245,000 | $ 172,000 |
| Wayne, North Carolina | 1 | $ 155,000 | $ 155,000 | $ 52,000 |
| Yancey, North Carolina | 1 | $ 185,000 | $ 185,000 | $ 35,000 |
| Aiken, South Carolina | 1 | $ 375,000 | $ 375,000 | $ 101,000 |
| Dorchester, South Carolina | 1 | $ 395,000 | $ 395,000 | $ 98,000 |
| James City, Virginia | 1 | $ 585,000 | $ 585,000 | $ 144,000 |
| Louisa, Virginia | 1 | $ 255,000 | $ 255,000 | $ 90,000 |
| Madison, Virginia | 1 | $ 325,000 | $ 325,000 | $ 77,000 |
| Manassas Park, Virginia | 1 | $ 335,000 | $ 335,000 | $ 121,000 |
| Orange, Virginia | 1 | $ 345,000 | $ 345,000 | $ 77,000 |
| Rappahannock, Virginia | 1 | $ 495,000 | $ 495,000 | $ 127,000 |
| Rockingham, Virginia | 1 | $ 265,000 | $ 265,000 | $ 71,000 |
| Staunton, Virginia | 1 | $ 285,000 | $ 285,000 | $ 87,000 |
| Virginia Beach, Virginia | 1 | $ 305,000 | $ 305,000 | $ 230,000 |
| Waynesboro, Virginia | 1 | $ 525,000 | $ 525,000 | $ 240,000 |
| Winchester, Virginia | 1 | $ 415,000 | $ 415,000 | $ 129,000 |
Mortgage Loan Application Detail Totals for Jams-01 Inc dba Home Savings & Trust Mortgage in 2025
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 | 480 | $233,140,000 | $485,000 | $2,025,000 | $180,000 | $3,299,000 |
| Refinancing | 12 | $6,640,000 | $553,000 | $805,000 | $177,000 | $348,000 |
| Cash-out Refinancing | 5 | $2,425,000 | $485,000 | $645,000 | $175,000 | $293,000 |
| 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 | 294 | $144,070,000 | $490,000 | $2,025,000 | $177,000 | $1,188,000 |
| Not Provided | 107 | $55,565,000 | $519,000 | $1,205,000 | $180,000 | $934,000 |
| Asian | 36 | $18,050,000 | $501,000 | $1,075,000 | $179,000 | $328,000 |
| Hispanic | 32 | $12,890,000 | $402,000 | $815,000 | $244,000 | $3,299,000 |
| Black or African American | 26 | $10,760,000 | $413,000 | $1,035,000 | $135,000 | $359,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $555,000 | $555,000 | $555,000 | $161,000 | $161,000 |
| American Indian or Alaskan Native | 1 | $315,000 | $315,000 | $315,000 | $106,000 | $106,000 |
| 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) | 383 | $181,375,000 | $473,000 | $2,005,000 | $187,000 | $3,299,000 |
| VA-guaranteed (Veterans Administration) | 66 | $43,510,000 | $659,000 | $2,025,000 | $190,000 | $550,000 |
| FHA-insured (Federal Housing Administration) | 44 | $16,220,000 | $368,000 | $685,000 | $112,000 | $311,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $1,100,000 | $275,000 | $355,000 | $85,000 | $124,000 |
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 | 437 | $214,845,000 | $491,000 | $2,025,000 | $183,000 | $3,299,000 |
| Application Withdrawn By Applicant | 58 | $26,370,000 | $454,000 | $1,435,000 | $153,000 | $474,000 |
| Application Denied By Financial Institution | 2 | $990,000 | $495,000 | $575,000 | $154,000 | $177,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 495 | $241,215,000 | $487,000 | $2,025,000 | $180,000 | $3,299,000 |
| Debt-To-Income Ratio | 2 | $990,000 | $495,000 | $575,000 | $154,000 | $177,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Jams-01 Inc dba Home Savings & Trust Mortgage's 2025 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 Jams-01 Inc dba Home Savings & Trust 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.
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