Jams-01 Inc dba Home Savings & Trust Mortgage Mortgage Lending & HMDA Data, 2019
In 2019, Jams-01 Inc dba Home Savings & Trust Mortgage of Fairfax, VA reported 1,149 mortgage applications totaling $471.9 million, up 36% from 2018. The average application was for $410,700, and applicants reported an average income of $138,160. 88% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (1,069), Washington-Baltimore-Arlington, DC (24) and Winchester, VA-WV (16) (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 | 1,149 |
| Total Mortgage Loan Application Amount | $471,895,000 |
| Average Mortgage Loan Application Amount | $410,700 |
| Highest Mortgage Loan Application Amount | $1,305,000 |
| Average Applicant Income | $138,160 |
| Highest Applicant Income | $677,000 |
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Inc dba Home Savings & Trust Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2019
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 | 833 | $343,475,000 | $412,000 | $1,305,000 | $136,000 | $610,000 |
| Refinancing | 270 | $110,990,000 | $411,000 | $885,000 | $144,000 | $677,000 |
| Cash-out Refinancing | 46 | $17,430,000 | $378,000 | $735,000 | $143,000 | $528,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 721 | $302,545,000 | $419,000 | $1,305,000 | $140,000 | $474,000 |
| Not Provided | 202 | $79,970,000 | $395,000 | $1,125,000 | $144,000 | $677,000 |
| Asian | 78 | $32,660,000 | $418,000 | $765,000 | $140,000 | $348,000 |
| Black or African American | 72 | $27,940,000 | $388,000 | $735,000 | $123,000 | $288,000 |
| Hispanic | 55 | $21,025,000 | $382,000 | $785,000 | $110,000 | $293,000 |
| American Indian or Alaskan Native | 7 | $2,135,000 | $305,000 | $385,000 | $93,000 | $132,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $475,000 | $475,000 | $475,000 | $161,000 | $161,000 |
| 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) | 775 | $297,785,000 | $384,000 | $725,000 | $137,000 | $677,000 |
| VA-guaranteed (Veterans Administration) | 275 | $135,755,000 | $493,000 | $1,305,000 | $151,000 | $528,000 |
| FHA-insured (Federal Housing Administration) | 98 | $38,040,000 | $388,000 | $735,000 | $113,000 | $212,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $315,000 | $315,000 | $315,000 | $91,000 | $91,000 |
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 | 1,006 | $415,790,000 | $413,000 | $1,305,000 | $137,000 | $677,000 |
| Application Withdrawn By Applicant | 136 | $53,050,000 | $390,000 | $765,000 | $136,000 | $610,000 |
| Application Denied By Financial Institution | 7 | $3,055,000 | $436,000 | $725,000 | $223,000 | $474,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,142 | $468,840,000 | $410,000 | $1,305,000 | $137,000 | $677,000 |
| Other | 3 | $1,435,000 | $478,000 | $725,000 | $270,000 | $474,000 |
| Collateral | 2 | $760,000 | $380,000 | $555,000 | $250,000 | $250,000 |
| Debt-To-Income Ratio | 1 | $465,000 | $465,000 | $465,000 | $69,000 | $69,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $395,000 | $395,000 | $395,000 | $188,000 | $188,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Jams-01 Inc dba Home Savings & Trust Mortgage's 2019 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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