Jams-01 in Virginia vs the state
0.6%Denial rate-15.37 pts vs state
0.7%Decision denial rate-19.60 pts vs state
88.3%Origination rate+28.73 pts vs state
6.50%Median rate-0.13 pts vs state
0.05Rate spread (pts)-0.18 pts vs state
$160kMedian applicant income
308Loans originated
2Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 348 | 300 | 0.3% | 6.38% | #132 |
| 2024 | 324 | 279 | 0.9% | 6.50% | #148 |
| 2025 | 349 | 308 | 0.6% | 6.50% | #145 |
What Jams-01 lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Jams-01 applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 122 | 104 | 2 | 1.6% |
| Loudoun County | 69 | 65 | 0 | 0.0% |
| Prince William County | 36 | 32 | 0 | 0.0% |
| Arlington County | 25 | 23 | 0 | 0.0% |
| Alexandria city | 13 | 11 | 0 | 0.0% |
| Stafford County | 13 | 13 | 0 | 0.0% |
| Fauquier County | 9 | 8 | 0 | 0.0% |
| Frederick County | 8 | 6 | 0 | 0.0% |
| Manassas city | 8 | 8 | 0 | 0.0% |
| Culpeper County | 7 | 5 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 349 applications in 2025, of which 308 were originated and 2 denied.
0.6% of all applications, or 0.7% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Jams-01 originated in Virginia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Jams-01's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology