Jams-01 Inc dba Home Savings & Trust Mortgage Mortgage Lending & HMDA Data, 2006
In 2006, Jams-01 Inc dba Home Savings & Trust Mortgage of Fairfax, VA reported 940 mortgage applications totaling $224.3 million, down 22% from 2005. The average application was for $238,594, and applicants reported an average income of $93,085. 91% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (736), Hagerstown-Martinsburg, MD-WV (36) and Bethesda-Gaithersburg-Frederick, MD (34) (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 | 940 |
| Total Mortgage Loan Application Amount | $224,279,000 |
| Average Mortgage Loan Application Amount | $238,594 |
| Highest Mortgage Loan Application Amount | $992,000 |
| Average Applicant Income | $93,085 |
| Highest Applicant Income | $600,000 |
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Inc dba Home Savings & Trust Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Jams-01 Inc dba Home Savings & Trust Mortgage 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 770 | $177,104,000 | $230,000 | $857,000 | $92,000 | $479,000 |
| Refinancing | 170 | $47,175,000 | $277,000 | $992,000 | $98,000 | $600,000 |
| 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 |
|---|---|---|---|---|---|---|
| Hispanic | 398 | $85,146,000 | $213,000 | $796,000 | $86,000 | $266,000 |
| White | 319 | $80,859,000 | $253,000 | $992,000 | $107,000 | $479,000 |
| Black or African American | 132 | $32,317,000 | $244,000 | $857,000 | $90,000 | $600,000 |
| Asian | 58 | $16,983,000 | $292,000 | $729,000 | $74,000 | $225,000 |
| Not Provided | 33 | $8,974,000 | $271,000 | $735,000 | $73,000 | $240,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 928 | $220,518,000 | $237,000 | $992,000 | $93,000 | $600,000 |
| FHA-insured (Federal Housing Administration) | 8 | $2,371,000 | $296,000 | $368,000 | $120,000 | $363,000 |
| VA-guaranteed (Veterans Administration) | 4 | $1,390,000 | $347,000 | $414,000 | $81,000 | $95,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 853 | $199,060,000 | $233,000 | $992,000 | $94,000 | $600,000 |
| Application Withdrawn By Applicant | 70 | $21,075,000 | $301,000 | $729,000 | $77,000 | $323,000 |
| Application Denied By Financial Institution | 17 | $4,144,000 | $243,000 | $560,000 | $107,000 | $258,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 3 | $776,000 | $258,000 | $417,000 | $48,000 | $144,000 |
| Unverifiable Information | 2 | $446,000 | $223,000 | $360,000 | $123,000 | $150,000 |
| Debt-To-Income Ratio | 1 | $419,000 | $419,000 | $419,000 | $73,000 | $73,000 |
| 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 |
| 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 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 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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