JAMS-01, INC. closing costs and rates (2024)
In 2024, JAMS-01, INC. originated 323 purchase mortgages at a median interest rate of 6.50% and median total closing costs of $6,566. That is $175 below the national median of $6,741. JAMS-01, INC. is most active in Virginia with 255 originations there.
Purchase Originations
323
Median Total Costs
$6,566
−2.6% vs national ($6,741)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$2,640
Median Lender Credits
$400
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 234 | 6.625% | $5,671 | $2,135 |
| va | 62 | 6.125% | $12,213 | $4,201 |
| fha | 25 | 6.125% | $13,360 | $1,790 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Virginia | 255 | 6.500% | $6,743 | #73 |
| North Carolina | 39 | 6.625% | $5,358 | — |
| Maryland | 15 | 6.500% | $5,914 | — |
| West Virginia | 7 | 6.500% | $5,350 | — |
| District of Columbia | 4 | 6.125% | $15,347 | — |
| South Carolina | 2 | 6.875% | $5,122 | — |
| Florida | 1 | 6.125% | $10,809 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,584 | 6.625% | — | 7 | −$1,982 | |
| 2 | $4,768 | 6.438% | — | 8 | −$1,798 | |
| 3 | $5,193 | 6.250% | — | 3 | −$1,373 | |
| 4 | $5,321 | 6.125% | — | 3 | −$1,245 | |
| 5 | $5,662 | 7.000% | — | 7 | −$904 | |
| 6 | $5,735 | 6.625% | — | 4 | −$831 | |
| 7 | $6,031 | 6.625% | — | 85 | −$535 | |
| 8 | $6,511 | 6.625% | — | 5 | −$55 | |
| 9 | $6,593 | 6.500% | — | 33 | +$27 | |
| 10 | $6,775 | 6.125% | — | 3 | +$209 | |
| 11 | $7,308 | 6.250% | — | 12 | +$742 | |
| 12 | $7,895 | 6.500% | — | 57 | +$1,329 | |
| 13 | $8,038 | 6.500% | — | 5 | +$1,472 | |
| 14 | $8,936 | 6.125% | — | 7 | +$2,370 | |
| 15 | $9,557 | 6.438% | — | 4 | +$2,991 | |
| 16 | $9,560 | 6.375% | — | 4 | +$2,994 | |
| 17 | $10,676 | 6.500% | — | 7 | +$4,110 | |
| 18 | $11,362 | 6.125% | — | 5 | +$4,796 | |
| 19 | $12,881 | 6.250% | — | 13 | +$6,315 | |
| 20 | $15,347 | 6.125% | — | 4 | +$8,781 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.