Jams-01 Inc dba Home Savings & Trust Mortgage Mortgage Lending & HMDA Data, 2017
In 2017, Jams-01 Inc dba Home Savings & Trust Mortgage of Fairfax, VA reported 630 mortgage applications totaling $245.3 million, down 30% from 2016. The average application was for $389,325, and applicants reported an average income of $135,885. 85% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (571), Silver Spring-Frederick-Rockville, MD (23) and Baltimore-Columbia-Towson, MD (12) (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 | 630 |
| Total Mortgage Loan Application Amount | $245,275,000 |
| Average Mortgage Loan Application Amount | $389,325 |
| Highest Mortgage Loan Application Amount | $1,359,000 |
| Average Applicant Income | $135,885 |
| Highest Applicant Income | $967,000 |
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Inc dba Home Savings & Trust Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2017
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 | 558 | $219,093,000 | $392,000 | $1,359,000 | $136,000 | $967,000 |
| Refinancing | 72 | $26,182,000 | $363,000 | $800,000 | $135,000 | $330,000 |
| 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 | 408 | $162,233,000 | $397,000 | $1,359,000 | $142,000 | $967,000 |
| Not Provided | 90 | $35,137,000 | $390,000 | $790,000 | $132,000 | $446,000 |
| Black or African American | 46 | $16,695,000 | $362,000 | $728,000 | $113,000 | $259,000 |
| Hispanic | 46 | $15,773,000 | $342,000 | $660,000 | $113,000 | $316,000 |
| Asian | 35 | $13,827,000 | $395,000 | $1,320,000 | $140,000 | $368,000 |
| American Indian or Alaskan Native | 4 | $1,280,000 | $320,000 | $425,000 | $135,000 | $167,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $330,000 | $330,000 | $330,000 | $82,000 | $82,000 |
| 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) | 397 | $143,742,000 | $362,000 | $1,106,000 | $141,000 | $967,000 |
| VA-guaranteed (Veterans Administration) | 160 | $77,151,000 | $482,000 | $1,359,000 | $139,000 | $443,000 |
| FHA-insured (Federal Housing Administration) | 69 | $23,388,000 | $338,000 | $560,000 | $107,000 | $220,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $994,000 | $248,000 | $278,000 | $59,000 | $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 | 537 | $210,897,000 | $392,000 | $1,359,000 | $137,000 | $967,000 |
| Application Withdrawn By Applicant | 82 | $30,267,000 | $369,000 | $742,000 | $131,000 | $420,000 |
| Application Denied By Financial Institution | 11 | $4,111,000 | $373,000 | $672,000 | $123,000 | $198,000 |
| 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 2017 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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