Justice Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Justice Federal Credit Union 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Justice Federal Credit Union 5175 Parkstone Drive, Ste. 200 Chantilly, VA 20151 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 263 |
| Total Mortgage Loan Application Amount | $42,410,000 |
| Average Mortgage Loan Application Amount | $176,357 |
| Highest Mortgage Loan Application Amount | $323,000 |
| Average Applicant Income | $112,000 |
| Highest Applicant Income | $433,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Justice Federal Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Justice Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Justice Federal Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Justice Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Justice Federal Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Justice Federal Credit Union's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fairfax County Virginia | 34 | $ 6,821,000 | $ 200,000 | $ 121,000 |
| Prince George's County Maryland | 24 | $ 3,740,000 | $ 155,000 | $ 85,000 |
| District of Columbia County District Of Columbia | 20 | $ 3,149,000 | $ 157,000 | $ 107,000 |
| Prince William County Virginia | 19 | $ 2,660,000 | $ 140,000 | $ 107,000 |
| Harrison County West Virginia | 18 | $ 2,078,000 | $ 115,000 | $ 87,000 |
| Montgomery County Maryland | 16 | $ 2,845,000 | $ 177,000 | $ 110,000 |
| Marion County West Virginia | 10 | $ 1,061,000 | $ 106,000 | $ 83,000 |
| Stafford County Virginia | 9 | $ 1,255,000 | $ 139,000 | $ 107,000 |
| Alexandria County Virginia | 8 | $ 1,863,000 | $ 232,000 | $ 113,000 |
| Arlington County Virginia | 8 | $ 1,485,000 | $ 185,000 | $ 96,000 |
| Anne Arundel County Maryland | 7 | $ 980,000 | $ 140,000 | $ 152,000 |
| Nassau County New York | 6 | $ 1,436,000 | $ 239,000 | $ 101,000 |
| Fauquier County Virginia | 3 | $ 431,000 | $ 143,000 | $ 90,000 |
| Spotsylvania County Virginia | 3 | $ 516,000 | $ 172,000 | $ 81,000 |
| Barbour County West Virginia | 3 | $ 230,000 | $ 76,000 | $ 54,000 |
| Lewis County West Virginia | 3 | $ 288,000 | $ 96,000 | $ 121,000 |
| Los Angeles County California | 2 | $ 395,000 | $ 197,000 | $ 70,000 |
| Broward County Florida | 2 | $ 218,000 | $ 109,000 | $ 65,000 |
| Baltimore County Maryland | 2 | $ 297,000 | $ 148,000 | $ 112,000 |
| Charles County Maryland | 2 | $ 357,000 | $ 178,000 | $ 112,000 |
| Bergen County New Jersey | 2 | $ 413,000 | $ 206,000 | $ 147,000 |
| Monmouth County New Jersey | 2 | $ 475,000 | $ 237,000 | $ 165,000 |
| Kings County New York | 2 | $ 318,000 | $ 159,000 | $ 108,000 |
| Loudoun County Virginia | 2 | $ 444,000 | $ 222,000 | $ 128,000 |
| Manassas County Virginia | 2 | $ 554,000 | $ 277,000 | $ 167,000 |
| Monongalia County West Virginia | 2 | $ 275,000 | $ 137,000 | $ 105,000 |
| Ritchie County West Virginia | 2 | $ 182,000 | $ 91,000 | $ 61,000 |
| Upshur County West Virginia | 2 | $ 116,000 | $ 58,000 | $ 70,000 |
| San Bernardino County California | 1 | $ 130,000 | $ 130,000 | $ 210,000 |
| New Haven County Connecticut | 1 | $ 230,000 | $ 230,000 | $ 155,000 |
| Collier County Florida | 1 | $ 97,000 | $ 97,000 | $ 24,000 |
| Manatee County Florida | 1 | $ 185,000 | $ 185,000 | $ 65,000 |
| Palm Beach County Florida | 1 | $ 80,000 | $ 80,000 | $ 125,000 |
| Seminole County Florida | 1 | $ 125,000 | $ 125,000 | $ 125,000 |
| Glynn County Georgia | 1 | $ 231,000 | $ 231,000 | $ 75,000 |
| Ada County Idaho | 1 | $ 120,000 | $ 120,000 | $ 56,000 |
| Calvert County Maryland | 1 | $ 323,000 | $ 323,000 | $ 176,000 |
| Frederick County Maryland | 1 | $ 138,000 | $ 138,000 | $ 99,000 |
| Garrett County Maryland | 1 | $ 154,000 | $ 154,000 | $ 173,000 |
| Howard County Maryland | 1 | $ 163,000 | $ 163,000 | $ 90,000 |
| St. Mary's County Maryland | 1 | $ 120,000 | $ 120,000 | $ 89,000 |
| Worcester County Maryland | 1 | $ 147,000 | $ 147,000 | $ 160,000 |
| Clark County Nevada | 1 | $ 187,000 | $ 187,000 | $ 76,000 |
| Morris County New Jersey | 1 | $ 255,000 | $ 255,000 | $ 130,000 |
| Ocean County New Jersey | 1 | $ 187,000 | $ 187,000 | $ 118,000 |
| Passaic County New Jersey | 1 | $ 205,000 | $ 205,000 | $ 184,000 |
| Somerset County New Jersey | 1 | $ 134,000 | $ 134,000 | $ 95,000 |
| Sussex County New Jersey | 1 | $ 173,000 | $ 173,000 | $ 101,000 |
| Union County New Jersey | 1 | $ 284,000 | $ 284,000 | $ 149,000 |
| Bernalillo County New Mexico | 1 | $ 198,000 | $ 198,000 | $ 60,000 |
| Cayuga County New York | 1 | $ 76,000 | $ 76,000 | $ 77,000 |
| Orange County New York | 1 | $ 141,000 | $ 141,000 | $ 149,000 |
| Putnam County New York | 1 | $ 130,000 | $ 130,000 | $ 100,000 |
| Rockland County New York | 1 | $ 160,000 | $ 160,000 | $ 143,000 |
| Henderson County North Carolina | 1 | $ 107,000 | $ 107,000 | $ 61,000 |
| Bucks County Pennsylvania | 1 | $ 180,000 | $ 180,000 | $ 121,000 |
| Delaware County Pennsylvania | 1 | $ 149,000 | $ 149,000 | $ 119,000 |
| Montgomery County Pennsylvania | 1 | $ 318,000 | $ 318,000 | $ 117,000 |
| Northampton County Pennsylvania | 1 | $ 200,000 | $ 200,000 | $ 131,000 |
| Somerset County Pennsylvania | 1 | $ 42,000 | $ 42,000 | $ 32,000 |
| Kent County Rhode Island | 1 | $ 213,000 | $ 213,000 | $ 99,000 |
| Richland County South Carolina | 1 | $ 74,000 | $ 74,000 | $ 433,000 |
| Bexar County Texas | 1 | $ 183,000 | $ 183,000 | $ 110,000 |
| Comal County Texas | 1 | $ 110,000 | $ 110,000 | $ 234,000 |
| Harris County Texas | 1 | $ 102,000 | $ 102,000 | $ 65,000 |
| Chesapeake County Virginia | 1 | $ 131,000 | $ 131,000 | $ 105,000 |
| Culpeper County Virginia | 1 | $ 150,000 | $ 150,000 | $ 117,000 |
| Hanover County Virginia | 1 | $ 118,000 | $ 118,000 | $ 77,000 |
| Henrico County Virginia | 1 | $ 157,000 | $ 157,000 | $ 111,000 |
| Madison County Virginia | 1 | $ 129,000 | $ 129,000 | $ 171,000 |
| Northumberland County Virginia | 1 | $ 123,000 | $ 123,000 | $ 62,000 |
| Virginia Beach County Virginia | 1 | $ 130,000 | $ 130,000 | $ 70,000 |
| Taylor County West Virginia | 1 | $ 32,000 | $ 32,000 | $ 34,000 |
Mortgage Loan Application Detail Totals for Justice Federal Credit Union in 2003
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 219 | $34,486,000 | $156,411 | $323,000 | $110,941 | $433,000 |
| Home Purchase (one-to-four family) | 44 | $7,924,000 | $207,181 | $323,000 | $113,636 | $234,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 120 | $18,394,000 | $157,571 | $323,000 | $132,714 | $433,000 |
| Information not provided by applicant in mail or telephone application | 94 | $16,016,000 | $173,133 | $323,000 | $107,733 | $247,000 |
| Black | 32 | $4,828,000 | $155,166 | $323,000 | $90,666 | $199,000 |
| Hispanic | 10 | $2,114,000 | $174,000 | $285,000 | $109,000 | $242,000 |
| Asian or Pacific Islander | 7 | $1,058,000 | $154,800 | $275,000 | $98,800 | $190,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 263 | $42,410,000 | $164,684 | $323,000 | $114,947 | $433,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 204 | $33,541,000 | $166,235 | $323,000 | $124,470 | $433,000 |
| Application Denied By Financial Institution | 27 | $4,080,000 | $146,777 | $295,000 | $85,444 | $229,000 |
| Application Approved But Not Accepted | 16 | $2,235,000 | $142,125 | $293,000 | $84,625 | $147,000 |
| Application Withdrawn By Applicant | 14 | $2,092,000 | $159,000 | $289,000 | $106,250 | $172,000 |
| File Closed For Incompleteness | 2 | $462,000 | $231,000 | $270,000 | $109,000 | $148,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 17 | $2,367,000 | $114,833 | $285,000 | $84,500 | $229,000 |
| Debt-To-Income Ratio | 5 | $997,000 | $187,750 | $295,000 | $53,500 | $73,000 |
| Collateral | 3 | $496,000 | $165,333 | $205,000 | $143,333 | $184,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $32,000 | $32,000 | $32,000 | $34,000 | $34,000 |
| Unverifiable Information | 1 | $188,000 | $188,000 | $188,000 | $63,000 | $63,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Justice Federal Credit Union's 2003 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Justice Federal Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Virginia, download the full spreadsheet
with aggregated HMDA statistics today.