Jams-01 Inc dba Home Savings & Trust Mortgage Mortgage Lending & HMDA Data, 2008
In 2008, Jams-01 Inc dba Home Savings & Trust Mortgage of Fairfax, VA reported 222 mortgage applications totaling $70.0 million, down 17% from 2007. The average application was for $315,391, and applicants reported an average income of $105,198. 95% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (189), Winchester, VA-WV (9) and Virginia Beach-Norfolk-Newport News, VA-NC (6) (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 | 222 |
| Total Mortgage Loan Application Amount | $70,017,000 |
| Average Mortgage Loan Application Amount | $315,391 |
| Highest Mortgage Loan Application Amount | $720,000 |
| Average Applicant Income | $105,198 |
| Highest Applicant Income | $425,000 |
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Inc dba Home Savings & Trust Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 166 | $52,346,000 | $315,000 | $720,000 | $111,000 | $425,000 |
| Refinancing | 56 | $17,671,000 | $315,000 | $664,000 | $88,000 | $260,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not Provided | 194 | $62,005,000 | $319,000 | $720,000 | $107,000 | $425,000 |
| White | 14 | $3,543,000 | $253,000 | $390,000 | $97,000 | $180,000 |
| Hispanic | 13 | $4,128,000 | $317,000 | $664,000 | $79,000 | $175,000 |
| Black or African American | 1 | $341,000 | $341,000 | $341,000 | $113,000 | $113,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 118 | $35,492,000 | $300,000 | $664,000 | $92,000 | $289,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 67 | $22,209,000 | $331,000 | $720,000 | $136,000 | $425,000 |
| VA-guaranteed (Veterans Administration) | 37 | $12,316,000 | $332,000 | $684,000 | $91,000 | $238,000 |
| 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 | 211 | $66,014,000 | $312,000 | $684,000 | $104,000 | $400,000 |
| Application Denied By Financial Institution | 8 | $2,650,000 | $331,000 | $664,000 | $96,000 | $175,000 |
| Application Withdrawn By Applicant | 3 | $1,353,000 | $451,000 | $720,000 | $185,000 | $425,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Jams-01 Inc dba Home Savings & Trust Mortgage'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 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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