Jams-01 Inc dba Home Savings & Trust Mortgage Mortgage Lending & HMDA Data, 2015
In 2015, Jams-01 Inc dba Home Savings & Trust Mortgage of Fairfax, VA reported 679 mortgage applications totaling $264.0 million, up 36% from 2014. The average application was for $388,804, and applicants reported an average income of $120,980. 84% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (624), Silver Spring-Frederick-Rockville, MD (18) and Baltimore-Columbia-Towson, MD (11) (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 | 679 |
| Total Mortgage Loan Application Amount | $263,998,000 |
| Average Mortgage Loan Application Amount | $388,804 |
| Highest Mortgage Loan Application Amount | $1,331,000 |
| Average Applicant Income | $120,980 |
| Highest Applicant Income | $643,000 |
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Inc dba Home Savings & Trust Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015
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 | 421 | $165,355,000 | $392,000 | $1,331,000 | $132,000 | $643,000 |
| Refinancing | 258 | $98,643,000 | $382,000 | $873,000 | $103,000 | $637,000 |
| 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 | 468 | $186,700,000 | $398,000 | $880,000 | $127,000 | $643,000 |
| Not Provided | 64 | $23,421,000 | $365,000 | $906,000 | $102,000 | $309,000 |
| Asian | 51 | $21,503,000 | $421,000 | $1,331,000 | $142,000 | $322,000 |
| Black or African American | 49 | $16,871,000 | $344,000 | $728,000 | $97,000 | $247,000 |
| Hispanic | 41 | $13,552,000 | $330,000 | $708,000 | $99,000 | $271,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,013,000 | $337,000 | $451,000 | $55,000 | $108,000 |
| American Indian or Alaskan Native | 3 | $938,000 | $312,000 | $449,000 | $16,000 | $50,000 |
| 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) | 340 | $127,947,000 | $376,000 | $1,331,000 | $147,000 | $643,000 |
| VA-guaranteed (Veterans Administration) | 182 | $83,155,000 | $456,000 | $906,000 | $108,000 | $396,000 |
| FHA-insured (Federal Housing Administration) | 156 | $52,804,000 | $338,000 | $636,000 | $80,000 | $325,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $92,000 | $92,000 | $92,000 | $36,000 | $36,000 |
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 | 572 | $224,837,000 | $393,000 | $1,331,000 | $121,000 | $643,000 |
| Application Withdrawn By Applicant | 91 | $33,583,000 | $369,000 | $906,000 | $122,000 | $309,000 |
| Application Denied By Financial Institution | 16 | $5,578,000 | $348,000 | $737,000 | $103,000 | $235,000 |
| 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 2015 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
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