Jams-01 Inc dba Home Savings & Trust Mortgage Mortgage Lending & HMDA Data, 2014
In 2014, Jams-01 Inc dba Home Savings & Trust Mortgage of Fairfax, VA reported 499 mortgage applications totaling $192.8 million, down 29% from 2013. The average application was for $386,370, and applicants reported an average income of $123,949. 80% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (467), Silver Spring-Frederick-Rockville, MD (11) and Richmond, VA (5) (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 | 499 |
| Total Mortgage Loan Application Amount | $192,799,000 |
| Average Mortgage Loan Application Amount | $386,370 |
| Highest Mortgage Loan Application Amount | $949,000 |
| Average Applicant Income | $123,949 |
| Highest Applicant Income | $450,000 |
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Inc dba Home Savings & Trust Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014
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 | 359 | $138,135,000 | $384,000 | $949,000 | $129,000 | $450,000 |
| Refinancing | 140 | $54,664,000 | $390,000 | $942,000 | $111,000 | $433,000 |
| 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 | 356 | $140,364,000 | $394,000 | $949,000 | $127,000 | $450,000 |
| Black or African American | 40 | $14,607,000 | $365,000 | $693,000 | $96,000 | $327,000 |
| Hispanic | 38 | $11,147,000 | $293,000 | $644,000 | $102,000 | $383,000 |
| Asian | 36 | $14,218,000 | $394,000 | $797,000 | $139,000 | $341,000 |
| Not Provided | 26 | $11,228,000 | $431,000 | $703,000 | $130,000 | $245,000 |
| American Indian or Alaskan Native | 3 | $1,235,000 | $411,000 | $449,000 | $145,000 | $168,000 |
| 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) | 282 | $102,207,000 | $362,000 | $949,000 | $137,000 | $450,000 |
| VA-guaranteed (Veterans Administration) | 140 | $64,931,000 | $463,000 | $836,000 | $107,000 | $292,000 |
| FHA-insured (Federal Housing Administration) | 75 | $25,140,000 | $335,000 | $636,000 | $106,000 | $308,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $521,000 | $260,000 | $281,000 | $68,000 | $70,000 |
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 | 401 | $154,028,000 | $384,000 | $949,000 | $123,000 | $450,000 |
| Application Withdrawn By Applicant | 85 | $34,948,000 | $411,000 | $942,000 | $134,000 | $372,000 |
| Application Denied By Financial Institution | 13 | $3,823,000 | $294,000 | $670,000 | $89,000 | $157,000 |
| 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 2014 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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