What loan types does Jams-01 offer?

Jams-01 offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does Jams-01 offer mortgages?

Jams-01 offers mortgages in 7 states: DC, FL, MD, NC, SC, VA, WV.

How competitive are Jams-01's mortgage rates?

Jams-01 has an overall pricing score of 36.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Jams-01?

Jams-01 is a Independent Mortgage Company headquartered in ARLINGTON, VA.

Unclaimed

Jams-01

Independent Mortgage Company•Arlington, VAHQ•Direct•Reviews near you on Google

Jams-01 has 355 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA

Place

Sound

3/5

Multi-Region · 3 mkts

Awards

Superstar

Summary

What They Do Well

Strong pull through performance

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Jams-01 performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+6.9 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

FHA

Sound

Top 60% of lenders

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 4 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Acceptable	Sound	260	73.2%	+0.136%Above	$3,282Fees
FHA Loans	Sound	Sound	Sound	Strong	27	7.6%	+0.375%Above	$2,910Fees
VA Loans	Strong	Strong	Acceptable	Exceptional	64	18.0%	-0.492%Below	$3,922Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume260

Mix73.2%

Spread

+0.136%Above

Fees

$3,282Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume27

Mix7.6%

Spread

+0.375%Above

Fees

$2,910Fees

VA Loans

Overall

Strong

Product

Strong

Pricing

Acceptable

Pull Through

Exceptional

Volume64

Mix18.0%

Spread

-0.492%Below

Fees

$3,922Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Acceptable	Strong	342	96.3%	+0.072%Above	$3,347Fees
Refinance	Acceptable	Acceptable	—	—	13	3.7%	-0.014%Below	$2,834Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Strong

Volume342

Mix96.3%

Spread

+0.072%Above

Fees

$3,347Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through—

Volume13

Mix3.7%

Spread

-0.014%Below

Fees

$2,834Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

355

Applications

413

Volume

$172 million

Pricing & Closing

Avg Rate Spread

+0.069%

vs. market APOR

Avg Net Fees

$3,329

Origination − Credits

Pullthrough Rate

86.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$484,887

Avg Borrower Income

$178,155

Avg Property Value

$616,042

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

South7

DCFLMDNCSCVAWV

Top Metro Areas by Place Specialization Score

Arlington, VA-WVMetro

Volume 249Mix 70.14% of portfolio

83/100

Exceptional

Raleigh, NCMetro

Volume 13Mix 3.66% of portfolio

45/100

Sound

Charlotte, NC-SCMetro

Volume 14Mix 3.94% of portfolio

45/100

Sound

Top States by Place Specialization Score

VirginiaState

Volume 278Mix 78.31% of portfolio

80/100

Strong

North CarolinaState

Volume 45Mix 12.68% of portfolio

54/100

Sound

MarylandState

Volume 17Mix 4.79% of portfolio

46/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.