Jams-01 Inc dba Home Savings & Trust Mortgage Mortgage Lending & HMDA Data, 2024
In 2024, Jams-01 Inc dba Home Savings & Trust Mortgage of Fairfax, VA reported 417 mortgage applications totaling $202.7 million, up 2% from 2023. The average application was for $486,031, and applicants reported an average income of $174,513. 86% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Arlington-Alexandria-Reston, VA-WV (294), Raleigh, NC (17) and Charlotte-Concord-Gastonia, NC-SC (15) (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 | 417 |
| Total Mortgage Loan Application Amount | $202,675,000 |
| Average Mortgage Loan Application Amount | $486,031 |
| Highest Mortgage Loan Application Amount | $1,395,000 |
| Average Applicant Income | $174,513 |
| Highest Applicant Income | $2,305,000 |
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Inc dba Home Savings & Trust Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024
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 | 403 | $197,605,000 | $490,000 | $1,395,000 | $176,000 | $2,305,000 |
| Refinancing | 8 | $3,320,000 | $415,000 | $565,000 | $139,000 | $303,000 |
| Cash-out Refinancing | 6 | $1,750,000 | $291,000 | $555,000 | $122,000 | $175,000 |
| 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 | 231 | $112,065,000 | $485,000 | $1,205,000 | $179,000 | $2,305,000 |
| Not Provided | 102 | $49,390,000 | $484,000 | $1,395,000 | $173,000 | $498,000 |
| Asian | 40 | $20,870,000 | $521,000 | $1,085,000 | $178,000 | $428,000 |
| Black or African American | 21 | $9,615,000 | $457,000 | $965,000 | $134,000 | $307,000 |
| Hispanic | 20 | $9,160,000 | $458,000 | $835,000 | $163,000 | $381,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $1,270,000 | $635,000 | $675,000 | $154,000 | $183,000 |
| American Indian or Alaskan Native | 1 | $305,000 | $305,000 | $305,000 | $70,000 | $70,000 |
| 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) | 301 | $137,985,000 | $458,000 | $1,345,000 | $179,000 | $2,305,000 |
| VA-guaranteed (Veterans Administration) | 77 | $47,505,000 | $616,000 | $1,395,000 | $175,000 | $445,000 |
| FHA-insured (Federal Housing Administration) | 36 | $16,300,000 | $452,000 | $975,000 | $139,000 | $320,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $885,000 | $295,000 | $415,000 | $96,000 | $116,000 |
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 | 358 | $172,830,000 | $482,000 | $1,395,000 | $177,000 | $2,305,000 |
| Application Withdrawn By Applicant | 53 | $26,165,000 | $493,000 | $1,165,000 | $161,000 | $303,000 |
| Application Denied By Financial Institution | 6 | $3,680,000 | $613,000 | $1,205,000 | $142,000 | $259,000 |
| 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 | 411 | $198,995,000 | $484,000 | $1,395,000 | $175,000 | $2,305,000 |
| Debt-To-Income Ratio | 3 | $2,345,000 | $781,000 | $1,205,000 | $170,000 | $259,000 |
| Collateral | 1 | $165,000 | $165,000 | $165,000 | $35,000 | $35,000 |
| Other | 1 | $445,000 | $445,000 | $445,000 | $124,000 | $124,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $725,000 | $725,000 | $725,000 | $183,000 | $183,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment 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 2024 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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