Jams-01 Inc dba Home Savings & Trust Mortgage Mortgage Lending & HMDA Data, 2010
In 2010, Jams-01 Inc dba Home Savings & Trust Mortgage of Fairfax, VA reported 635 mortgage applications totaling $211.1 million, up 6% from 2009. The average application was for $332,451, and applicants reported an average income of $115,325. 96% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (603), Bethesda-Rockville-Frederick, MD (8) and Baltimore-Towson, MD (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 | 635 |
| Total Mortgage Loan Application Amount | $211,107,000 |
| Average Mortgage Loan Application Amount | $332,451 |
| Highest Mortgage Loan Application Amount | $836,000 |
| Average Applicant Income | $115,325 |
| Highest Applicant Income | $676,000 |
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Inc dba Home Savings & Trust Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 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 | 371 | $118,392,000 | $319,000 | $836,000 | $112,000 | $676,000 |
| Refinancing | 264 | $92,715,000 | $351,000 | $769,000 | $120,000 | $663,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 457 | $157,670,000 | $345,000 | $769,000 | $115,000 | $676,000 |
| Not Provided | 69 | $22,096,000 | $320,000 | $836,000 | $136,000 | $663,000 |
| Asian | 38 | $11,786,000 | $310,000 | $660,000 | $130,000 | $496,000 |
| Black or African American | 37 | $9,723,000 | $262,000 | $767,000 | $82,000 | $212,000 |
| Hispanic | 31 | $9,031,000 | $291,000 | $585,000 | $87,000 | $201,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $801,000 | $267,000 | $367,000 | $87,000 | $128,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 305 | $99,058,000 | $324,000 | $836,000 | $140,000 | $676,000 |
| FHA-insured (Federal Housing Administration) | 220 | $65,325,000 | $296,000 | $715,000 | $92,000 | $312,000 |
| VA-guaranteed (Veterans Administration) | 109 | $46,316,000 | $424,000 | $769,000 | $92,000 | $279,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $408,000 | $408,000 | $408,000 | $128,000 | $128,000 |
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 | 612 | $204,000,000 | $333,000 | $769,000 | $115,000 | $676,000 |
| Application Withdrawn By Applicant | 16 | $5,578,000 | $348,000 | $836,000 | $117,000 | $519,000 |
| Application Denied By Financial Institution | 7 | $1,529,000 | $218,000 | $559,000 | $83,000 | $195,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 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 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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