JAMS-01, INC.
JAMS-01, INC. received 497 applications in 2025 and made 437 mortgages, in 68 counties across 7 states. The median rate its borrowers got was 6.500% on a median loan of $455,000. Of 439 decisions, 2 were denials — 0.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300ZAZI235VM8Q149 |
|---|---|
| Applications received | 497 |
| Mortgages made | 437 |
| Denied | 2 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 58 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.092 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 421 | 6.500% | $455,000 | 0.5% |
| Refinancing | 11 | 6.500% | $575,000 | 0.0% |
| Cash-out refinancing | 5 | Under 10 loans | Under 10 loans | 0.0% |
Where JAMS-01, INC. lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Fairfax County, VA | 104 | 6.500% | 1.9% |
| Loudoun County, VA | 65 | 6.500% | 0.0% |
| Prince William County, VA | 32 | 6.375% | 0.0% |
| Wake County, NC | 29 | 6.625% | 0.0% |
| Arlington County, VA | 23 | 6.500% | 0.0% |
| Durham County, NC | 16 | 6.500% | 0.0% |
| Stafford County, VA | 13 | 6.500% | 0.0% |
| Mecklenburg County, NC | 11 | 7.000% | 0.0% |
| Alexandria city, VA | 11 | 6.500% | 0.0% |
| Johnston County, NC | 9 | Under 10 loans | 0.0% |
| Fauquier County, VA | 8 | Under 10 loans | 0.0% |
| Manassas city, VA | 8 | Under 10 loans | 0.0% |
| District of Columbia, DC | 6 | Under 10 loans | 0.0% |
| Frederick County, VA | 6 | Under 10 loans | 0.0% |
| Prince George's County, MD | 5 | Under 10 loans | 0.0% |
| Culpeper County, VA | 5 | Under 10 loans | 0.0% |
| Montgomery County, MD | 4 | Under 10 loans | 0.0% |
| Harnett County, NC | 4 | Under 10 loans | 0.0% |
| York County, SC | 4 | Under 10 loans | 0.0% |
| Spotsylvania County, VA | 4 | Under 10 loans | 0.0% |
| Jefferson County, WV | 4 | Under 10 loans | 0.0% |
| Cabarrus County, NC | 3 | Under 10 loans | 0.0% |
| Chatham County, NC | 3 | Under 10 loans | 0.0% |
| Franklin County, NC | 3 | Under 10 loans | 0.0% |
| Iredell County, NC | 3 | Under 10 loans | 0.0% |
| Clarke County, VA | 3 | Under 10 loans | 0.0% |
| Warren County, VA | 3 | Under 10 loans | 0.0% |
| Westmoreland County, VA | 3 | Under 10 loans | 0.0% |
| Richmond city, VA | 3 | Under 10 loans | 0.0% |
| Cumberland County, NC | 2 | Under 10 loans | 0.0% |
| Forsyth County, NC | 2 | Under 10 loans | 0.0% |
| Gaston County, NC | 2 | Under 10 loans | 0.0% |
| Granville County, NC | 2 | Under 10 loans | 0.0% |
| Lee County, NC | 2 | Under 10 loans | 0.0% |
| Chesterfield County, VA | 2 | Under 10 loans | 0.0% |
| Henrico County, VA | 2 | Under 10 loans | 0.0% |
| Fairfax city, VA | 2 | Under 10 loans | 0.0% |
| Calvert County, MD | 1 | Under 10 loans | 0.0% |
| Carroll County, MD | 1 | Under 10 loans | 0.0% |
| Charles County, MD | 1 | Under 10 loans | 0.0% |
| Howard County, MD | 1 | Under 10 loans | 0.0% |
| Dare County, NC | 1 | Under 10 loans | 0.0% |
| Moore County, NC | 1 | Under 10 loans | 0.0% |
| Nash County, NC | 1 | Under 10 loans | 0.0% |
| Person County, NC | 1 | Under 10 loans | 0.0% |
| Rowan County, NC | 1 | Under 10 loans | 0.0% |
| Surry County, NC | 1 | Under 10 loans | 0.0% |
| Wayne County, NC | 1 | Under 10 loans | 0.0% |
| Yancey County, NC | 1 | Under 10 loans | 0.0% |
| Aiken County, SC | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.