Justice Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Justice Federal Credit Union 2004 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 | 563 |
| Total Mortgage Loan Application Amount | $27,438,000 |
| Average Mortgage Loan Application Amount | $42,666 |
| Highest Mortgage Loan Application Amount | $250,000 |
| Average Applicant Income | $84,714 |
| Highest Applicant Income | $520,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Prince George's County Maryland | 70 | $ 2,741,000 | $ 39,000 | $ 64,000 |
| Fairfax County Virginia | 58 | $ 3,054,000 | $ 52,000 | $ 102,000 |
| District of Columbia County District Of Columbia | 33 | $ 1,784,000 | $ 54,000 | $ 79,000 |
| Montgomery County Maryland | 32 | $ 1,949,000 | $ 60,000 | $ 105,000 |
| Prince William County Virginia | 31 | $ 1,444,000 | $ 46,000 | $ 116,000 |
| Stafford County Virginia | 30 | $ 1,353,000 | $ 45,000 | $ 115,000 |
| Charles County Maryland | 23 | $ 934,000 | $ 40,000 | $ 92,000 |
| Spotsylvania County Virginia | 22 | $ 998,000 | $ 45,000 | $ 86,000 |
| Loudoun County Virginia | 17 | $ 1,176,000 | $ 69,000 | $ 113,000 |
| Harrison County West Virginia | 16 | $ 381,000 | $ 23,000 | $ 71,000 |
| Alexandria County Virginia | 14 | $ 871,000 | $ 62,000 | $ 106,000 |
| Anne Arundel County Maryland | 12 | $ 408,000 | $ 34,000 | $ 95,000 |
| Howard County Maryland | 12 | $ 526,000 | $ 43,000 | $ 79,000 |
| Arlington County Virginia | 10 | $ 728,000 | $ 72,000 | $ 120,000 |
| Los Angeles County California | 9 | $ 826,000 | $ 91,000 | $ 104,000 |
| Harris County Texas | 8 | $ 306,000 | $ 38,000 | $ 78,000 |
| Doddridge County West Virginia | 8 | $ 249,000 | $ 31,000 | $ 58,000 |
| Broward County Florida | 7 | $ 333,000 | $ 47,000 | $ 90,000 |
| Miami-Dade County Florida | 6 | $ 221,000 | $ 36,000 | $ 78,000 |
| Calvert County Maryland | 6 | $ 228,000 | $ 38,000 | $ 81,000 |
| Kings County New York | 6 | $ 415,000 | $ 69,000 | $ 130,000 |
| Marion County West Virginia | 6 | $ 213,000 | $ 35,000 | $ 82,000 |
| Suffolk County New York | 5 | $ 365,000 | $ 73,000 | $ 93,000 |
| Lewis County West Virginia | 5 | $ 178,000 | $ 35,000 | $ 65,000 |
| Frederick County Maryland | 4 | $ 202,000 | $ 50,000 | $ 129,000 |
| Middlesex County New Jersey | 3 | $ 103,000 | $ 34,000 | $ 58,000 |
| Fauquier County Virginia | 3 | $ 188,000 | $ 62,000 | $ 139,000 |
| Berkeley County West Virginia | 3 | $ 85,000 | $ 28,000 | $ 65,000 |
| Orange County California | 2 | $ 241,000 | $ 120,000 | $ 72,000 |
| San Bernardino County California | 2 | $ 70,000 | $ 35,000 | $ 53,000 |
| Fairfield County Connecticut | 2 | $ 85,000 | $ 42,000 | $ 155,000 |
| Duval County Florida | 2 | $ 100,000 | $ 50,000 | $ 56,000 |
| Palm Beach County Florida | 2 | $ 102,000 | $ 51,000 | $ 88,000 |
| Rockdale County Georgia | 2 | $ 172,000 | $ 86,000 | $ 55,000 |
| Baltimore City County Maryland | 2 | $ 70,000 | $ 35,000 | $ 107,000 |
| Mercer County New Jersey | 2 | $ 31,000 | $ 15,000 | $ 85,000 |
| Morris County New Jersey | 2 | $ 14,000 | $ 7,000 | $ 82,000 |
| Union County New Jersey | 2 | $ 71,000 | $ 35,000 | $ 72,000 |
| Orange County New York | 2 | $ 264,000 | $ 132,000 | $ 103,000 |
| Queens County New York | 2 | $ 225,000 | $ 112,000 | $ 98,000 |
| Richmond County New York | 2 | $ 68,000 | $ 34,000 | $ 53,000 |
| Brunswick County North Carolina | 2 | $ 106,000 | $ 53,000 | $ 91,000 |
| Brazos County Texas | 2 | $ 60,000 | $ 30,000 | $ 100,000 |
| Fairfax City County Virginia | 2 | $ 291,000 | $ 145,000 | $ 102,000 |
| Hanover County Virginia | 2 | $ 70,000 | $ 35,000 | $ 85,000 |
| Manassas County Virginia | 2 | $ 35,000 | $ 17,000 | $ 78,000 |
| Kern County California | 1 | $ 53,000 | $ 53,000 | $ 57,000 |
| Mono County California | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Riverside County California | 1 | $ 80,000 | $ 80,000 | $ 59,000 |
| Sacramento County California | 1 | $ 50,000 | $ 50,000 | $ 118,000 |
| San Diego County California | 1 | $ 30,000 | $ 30,000 | $ 76,000 |
| Santa Clara County California | 1 | $ 150,000 | $ 150,000 | $ 186,000 |
| Ventura County California | 1 | $ 30,000 | $ 30,000 | $ 130,000 |
| Arapahoe County Colorado | 1 | $ 50,000 | $ 50,000 | $ 40,000 |
| Middlesex County Connecticut | 1 | $ 25,000 | $ 25,000 | $ 101,000 |
| Escambia County Florida | 1 | $ 135,000 | $ 135,000 | $ 40,000 |
| Jefferson County Florida | 1 | $ 40,000 | $ 40,000 | $ 128,000 |
| Lake County Florida | 1 | $ 48,000 | $ 48,000 | $ 89,000 |
| Manatee County Florida | 1 | $ 35,000 | $ 35,000 | $ 139,000 |
| Volusia County Florida | 1 | $ 25,000 | $ 25,000 | $ 127,000 |
| Chatham County Georgia | 1 | $ 40,000 | $ 40,000 | $ 105,000 |
| Colquitt County Georgia | 1 | $ 75,000 | $ 75,000 | $ 40,000 |
| DeKalb County Georgia | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Glynn County Georgia | 1 | $ 50,000 | $ 50,000 | $ 84,000 |
| Cook County Illinois | 1 | $ 100,000 | $ 100,000 | $ 99,000 |
| Tazewell County Illinois | 1 | $ 17,000 | $ 17,000 | $ 80,000 |
| Williamson County Illinois | 1 | $ 12,000 | $ 12,000 | $ 135,000 |
| Wabash County Indiana | 1 | $ 25,000 | $ 25,000 | $ 44,000 |
| Baltimore County Maryland | 1 | $ 40,000 | $ 40,000 | $ 131,000 |
| Carroll County Maryland | 1 | $ 10,000 | $ 10,000 | $ 106,000 |
| Harford County Maryland | 1 | $ 75,000 | $ 75,000 | $ 210,000 |
| St. Mary's County Maryland | 1 | $ 60,000 | $ 60,000 | $ 97,000 |
| Washington County Maryland | 1 | $ 50,000 | $ 50,000 | $ 36,000 |
| Hinds County Mississippi | 1 | $ 5,000 | $ 5,000 | $ 52,000 |
| Atlantic County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 37,000 |
| Bergen County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 18,000 |
| Burlington County New Jersey | 1 | $ 80,000 | $ 80,000 | $ 77,000 |
| Passaic County New Jersey | 1 | $ 60,000 | $ 60,000 | $ 91,000 |
| Bronx County New York | 1 | $ 50,000 | $ 50,000 | $ 44,000 |
| Nassau County New York | 1 | $ 85,000 | $ 85,000 | $ 124,000 |
| New York County New York | 1 | $ 8,000 | $ 8,000 | $ 168,000 |
| Rockland County New York | 1 | $ 100,000 | $ 100,000 | $ 48,000 |
| Ulster County New York | 1 | $ 15,000 | $ 15,000 | $ 88,000 |
| Westchester County New York | 1 | $ 250,000 | $ 250,000 | $ 520,000 |
| Granville County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 80,000 |
| Guilford County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 46,000 |
| Henderson County North Carolina | 1 | $ 30,000 | $ 30,000 | $ 62,000 |
| Mecklenburg County North Carolina | 1 | $ 28,000 | $ 28,000 | $ 57,000 |
| Nash County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 44,000 |
| Cuyahoga County Ohio | 1 | $ 15,000 | $ 15,000 | $ 72,000 |
| Delaware County Ohio | 1 | $ 8,000 | $ 8,000 | $ 125,000 |
| Cumberland County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 57,000 |
| Fayette County Pennsylvania | 1 | $ 13,000 | $ 13,000 | $ 86,000 |
| Northampton County Pennsylvania | 1 | $ 10,000 | $ 10,000 | $ 77,000 |
| Union County Pennsylvania | 1 | $ 6,000 | $ 6,000 | $ 43,000 |
| Fort Bend County Texas | 1 | $ 50,000 | $ 50,000 | $ 188,000 |
| Jefferson County Texas | 1 | $ 65,000 | $ 65,000 | $ 51,000 |
| Accomack County Virginia | 1 | $ 1,000 | $ 1,000 | $ 97,000 |
| Culpeper County Virginia | 1 | $ 60,000 | $ 60,000 | $ 69,000 |
| Essex County Virginia | 1 | $ 50,000 | $ 50,000 | $ 83,000 |
| Falls Church County Virginia | 1 | $ 50,000 | $ 50,000 | $ 94,000 |
| Frederick County Virginia | 1 | $ 20,000 | $ 20,000 | $ 64,000 |
| Henrico County Virginia | 1 | $ 123,000 | $ 123,000 | $ 171,000 |
| King George County Virginia | 1 | $ 55,000 | $ 55,000 | $ 83,000 |
| Mecklenburg County Virginia | 1 | $ 75,000 | $ 75,000 | $ 118,000 |
| Roanoke County Virginia | 1 | $ 3,000 | $ 3,000 | $ 120,000 |
| Virginia Beach County Virginia | 1 | $ 36,000 | $ 36,000 | $ 130,000 |
| Waynesboro County Virginia | 1 | $ 30,000 | $ 30,000 | $ 62,000 |
| Jefferson County West Virginia | 1 | $ 62,000 | $ 62,000 | $ 75,000 |
| Monongalia County West Virginia | 1 | $ 35,000 | $ 35,000 | $ 154,000 |
| Preston County West Virginia | 1 | $ 20,000 | $ 20,000 | $ 75,000 |
| Randolph County West Virginia | 1 | $ 13,000 | $ 13,000 | $ 97,000 |
| Ritchie County West Virginia | 1 | $ 13,000 | $ 13,000 | $ 96,000 |
| Upshur County West Virginia | 1 | $ 40,000 | $ 40,000 | $ 173,000 |
Mortgage Loan Application Detail Totals for Justice Federal Credit Union in 2004
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 |
|---|---|---|---|---|---|---|
| Home Improvement | 534 | $25,653,000 | $40,500 | $250,000 | $82,333 | $520,000 |
| Refinancing | 29 | $1,785,000 | $55,666 | $125,000 | $99,000 | $210,000 |
| Home Purchase | 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 |
|---|---|---|---|---|---|---|
| Not Provided | 383 | $18,952,000 | $41,722 | $250,000 | $84,277 | $520,000 |
| White | 124 | $5,586,000 | $35,071 | $221,000 | $89,714 | $220,000 |
| Black or African American | 37 | $1,733,000 | $49,166 | $150,000 | $86,833 | $164,000 |
| Hispanic | 18 | $1,067,000 | $49,600 | $250,000 | $98,400 | $165,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $100,000 | $100,000 | $100,000 | $162,000 | $162,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 563 | $27,438,000 | $40,722 | $250,000 | $82,611 | $520,000 |
| 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 | 357 | $17,367,000 | $39,733 | $250,000 | $93,866 | $520,000 |
| Application Approved But Not Accepted | 143 | $6,776,000 | $43,818 | $250,000 | $92,000 | $218,000 |
| Application Denied By Financial Institution | 42 | $1,991,000 | $56,100 | $163,000 | $61,400 | $140,000 |
| Application Withdrawn By Applicant | 19 | $1,004,000 | $50,900 | $185,000 | $75,800 | $153,000 |
| File Closed For Incompleteness | 2 | $300,000 | $150,000 | $250,000 | $114,500 | $127,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 | 10 | $337,000 | $43,833 | $75,000 | $59,833 | $110,000 |
| Debt-To-Income Ratio | 4 | $165,000 | $44,000 | $80,000 | $55,666 | $92,000 |
| Other | 4 | $205,000 | $51,666 | $100,000 | $74,666 | $119,000 |
| Unverifiable Information | 1 | $26,000 | $26,000 | $26,000 | $74,000 | $74,000 |
| Collateral | 1 | $75,000 | $75,000 | $75,000 | $105,000 | $105,000 |
| Mortgage Insurance Denied | 1 | $50,000 | $50,000 | $50,000 | $42,000 | $42,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Justice Federal Credit Union's 2004 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.
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with aggregated HMDA statistics today.