Looking for a different lender?
J
JAMS-01, INC.
Independent Mortgage Company|ARLINGTON, VA|Multi-Region
Loans Originated
355
Applications
413
Volume
$172 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.069%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,329
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
86.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
Things to Think About
- Pricing may be below industry average
Report Card
JAMS-01, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Sound | Industry Standard | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Multi-Regional · 4 metro areas · 7 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$484,887
Average Borrower Income
$178,155
Average Property Value
$616,042
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% | $3,282 |
FHA Loans | Sound | Sound | Sound | Strong | 27 | 7.6% | +0.375% | $2,910 |
VA Loans | Sound | Strong | Acceptable | Exceptional | 64 | 18.0% | -0.492% | $3,922 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Acceptable | Strong | 342 | 96.3% | +0.072% | $3,347 |
Refinance | Acceptable | Acceptable | N/A | N/A | 13 | 3.7% | -0.014% | $2,834 |
Geographic Coverage
Metro Areas
3
States Served
7
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
DCFLMDNCSCVAWV
Top Metro Areas by Place Specialization Score
1
Arlington, VA-WVMSA
Volume: 249Mix: 70.14%
Place Specialization
Exceptional
2
Raleigh, NCMSA
Volume: 13Mix: 3.66%
Place Specialization
Sound
3
Charlotte, NC-SCMSA
Volume: 14Mix: 3.94%
Place Specialization
Sound
Top States by Place Specialization Score
1
VAState
Volume: 278Mix: 78.31%
Place Specialization
Strong
2
NCState
Volume: 45Mix: 12.68%
Place Specialization
Sound
3
MDState
Volume: 17Mix: 4.79%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
Ready to Get Started?
Compare JAMS-01, INC. with other lenders or get personalized recommendations.