# JAMS-01, INC.

> **Canonical URL:** https://saferate.com/lenders/jams-01

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

JAMS-01, INC. is a independent mortgage company, headquartered in ARLINGTON, VA, serving borrowers across 7 states, with 355 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 63% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 32% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300ZAZI235VM8Q149
- **Headquarters:** ARLINGTON, VA
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** DC, FL, MD, NC, SC, VA, WV
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 37/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 68/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.069%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,329
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 355
- **Dollar Volume:** $172 million
- **Applications Received:** 413
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $484,887
- **Average Borrower Income:** $178,155

## Safe Rate Awards 🏆

- ⭐ **VA Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 260 | +0.136% | $3,282 | Sound ☺️ |
| FHA | 56/100 | 27 | +0.375% | $2,910 | Sound ☺️ |
| VA | 68/100 | 64 | -0.492% | $3,922 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 250 loans, Score: 51/100 (Sound)

**FHA:**
- Purchase: 26 loans, Score: 55/100 (Sound)

**VA:**
- Purchase: 62 loans, Score: 68/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 54/100 | 342 | $168M | +0.072% | Sound ☺️ |
| Refinance | 22/100 | 13 | $5M | -0.014% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| VA | 278 | 0.26% | 80/100 |
| NC | 45 | 0.03% | 54/100 |
| MD | 17 | 0.02% | 46/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Arlington | VA-WV | 249 | 83/100 |
| Non |  | 16 | 27/100 |
| Charlotte | NC-SC | 14 | 45/100 |
| Raleigh | NC | 13 | 45/100 |

## Frequently Asked Questions

### What loan types does JAMS-01, INC. offer?

JAMS-01, INC. offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does JAMS-01, INC. offer mortgages?

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

### How competitive are JAMS-01, INC.'s mortgage rates?

JAMS-01, INC. has a pricing score of 37/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.069% above market average.

### What type of lender is JAMS-01, INC.?

JAMS-01, INC. is a non-depository lender that specializes in mortgage origination, headquartered in ARLINGTON, VA.

### What is JAMS-01, INC.'s loan approval success rate?

JAMS-01, INC. has a pull-through score of 68/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/jams-01

### How to Cite

> "JAMS-01, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/jams-01

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