Jams-01 Inc dba Home Savings & Trust Mortgage Mortgage Lending & HMDA Data, 2013
In 2013, Jams-01 Inc dba Home Savings & Trust Mortgage of Fairfax, VA reported 704 mortgage applications totaling $260.8 million, down 37% from 2012. The average application was for $370,487, and applicants reported an average income of $119,670. 85% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (651), Bethesda-Rockville-Frederick, MD (21) and Baltimore-Towson, MD (9) (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 | 704 |
| Total Mortgage Loan Application Amount | $260,823,000 |
| Average Mortgage Loan Application Amount | $370,487 |
| Highest Mortgage Loan Application Amount | $958,000 |
| Average Applicant Income | $119,670 |
| Highest Applicant Income | $640,000 |
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Inc dba Home Savings & Trust Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013
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 | 446 | $170,098,000 | $381,000 | $958,000 | $127,000 | $640,000 |
| Refinancing | 258 | $90,725,000 | $351,000 | $760,000 | $107,000 | $414,000 |
| 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 | 470 | $178,176,000 | $379,000 | $924,000 | $125,000 | $480,000 |
| Asian | 71 | $24,134,000 | $339,000 | $600,000 | $121,000 | $640,000 |
| Hispanic | 63 | $21,481,000 | $340,000 | $686,000 | $100,000 | $301,000 |
| Not Provided | 49 | $19,017,000 | $388,000 | $721,000 | $120,000 | $384,000 |
| Black or African American | 48 | $17,370,000 | $361,000 | $958,000 | $96,000 | $302,000 |
| American Indian or Alaskan Native | 3 | $645,000 | $215,000 | $324,000 | $59,000 | $101,000 |
| 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) | 390 | $130,943,000 | $335,000 | $855,000 | $137,000 | $640,000 |
| VA-guaranteed (Veterans Administration) | 182 | $84,204,000 | $462,000 | $958,000 | $101,000 | $475,000 |
| FHA-insured (Federal Housing Administration) | 132 | $45,676,000 | $346,000 | $708,000 | $96,000 | $242,000 |
| 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 | 601 | $224,499,000 | $373,000 | $924,000 | $121,000 | $640,000 |
| Application Withdrawn By Applicant | 78 | $29,056,000 | $372,000 | $958,000 | $122,000 | $383,000 |
| Application Denied By Financial Institution | 25 | $7,268,000 | $290,000 | $686,000 | $94,000 | $265,000 |
| 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 2013 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.
For a list of all lenders in Virginia, download the full spreadsheet
with aggregated HMDA statistics today.
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