Justice Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Justice Federal Credit Union 2005 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 | 737 |
| Total Mortgage Loan Application Amount | $87,148,000 |
| Average Mortgage Loan Application Amount | $137,557 |
| Highest Mortgage Loan Application Amount | $650,000 |
| Average Applicant Income | $104,269 |
| Highest Applicant Income | $609,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 101 | $ 11,039,000 | $ 109,000 | $ 92,000 |
| Fairfax County Virginia | 60 | $ 5,925,000 | $ 98,000 | $ 110,000 |
| District of Columbia County District Of Columbia | 37 | $ 3,732,000 | $ 100,000 | $ 91,000 |
| Montgomery County Maryland | 35 | $ 3,314,000 | $ 94,000 | $ 138,000 |
| Prince William County Virginia | 34 | $ 4,457,000 | $ 131,000 | $ 96,000 |
| Stafford County Virginia | 32 | $ 4,504,000 | $ 140,000 | $ 145,000 |
| Harrison County West Virginia | 24 | $ 1,213,000 | $ 50,000 | $ 83,000 |
| Charles County Maryland | 21 | $ 1,816,000 | $ 86,000 | $ 111,000 |
| Anne Arundel County Maryland | 18 | $ 1,891,000 | $ 105,000 | $ 111,000 |
| Spotsylvania County Virginia | 17 | $ 1,298,000 | $ 76,000 | $ 116,000 |
| Howard County Maryland | 16 | $ 2,127,000 | $ 132,000 | $ 114,000 |
| Alexandria County Virginia | 13 | $ 1,053,000 | $ 81,000 | $ 103,000 |
| Loudoun County Virginia | 11 | $ 974,000 | $ 88,000 | $ 157,000 |
| Marion County West Virginia | 11 | $ 817,000 | $ 74,000 | $ 78,000 |
| Miami-Dade County Florida | 10 | $ 1,249,000 | $ 124,000 | $ 75,000 |
| Arlington County Virginia | 10 | $ 1,426,000 | $ 142,000 | $ 153,000 |
| Calvert County Maryland | 9 | $ 792,000 | $ 88,000 | $ 126,000 |
| Los Angeles County California | 8 | $ 598,000 | $ 74,000 | $ 99,000 |
| Broward County Florida | 8 | $ 1,242,000 | $ 155,000 | $ 85,000 |
| Baltimore County Maryland | 7 | $ 365,000 | $ 52,000 | $ 76,000 |
| Frederick County Maryland | 6 | $ 675,000 | $ 112,000 | $ 140,000 |
| Cook County Illinois | 5 | $ 888,000 | $ 177,000 | $ 83,000 |
| Wake County North Carolina | 5 | $ 477,000 | $ 95,000 | $ 133,000 |
| Suffolk County New York | 4 | $ 400,000 | $ 100,000 | $ 176,000 |
| Lewis County West Virginia | 4 | $ 157,000 | $ 39,000 | $ 49,000 |
| Ventura County California | 3 | $ 95,000 | $ 31,000 | $ 89,000 |
| New Haven County Connecticut | 3 | $ 215,000 | $ 71,000 | $ 98,000 |
| Palm Beach County Florida | 3 | $ 310,000 | $ 103,000 | $ 79,000 |
| Worth County Georgia | 3 | $ 153,000 | $ 51,000 | $ 68,000 |
| Baltimore City County Maryland | 3 | $ 110,000 | $ 36,000 | $ 113,000 |
| Carroll County Maryland | 3 | $ 510,000 | $ 170,000 | $ 139,000 |
| Cecil County Maryland | 3 | $ 60,000 | $ 20,000 | $ 73,000 |
| Passaic County New Jersey | 3 | $ 73,000 | $ 24,000 | $ 118,000 |
| Nash County North Carolina | 3 | $ 80,000 | $ 26,000 | $ 45,000 |
| Collin County Texas | 3 | $ 43,000 | $ 14,000 | $ 100,000 |
| Harris County Texas | 3 | $ 92,000 | $ 30,000 | $ 72,000 |
| Fauquier County Virginia | 3 | $ 246,000 | $ 82,000 | $ 125,000 |
| Warren County Virginia | 3 | $ 360,000 | $ 120,000 | $ 92,000 |
| Fresno County California | 2 | $ 404,000 | $ 202,000 | $ 142,000 |
| St. Mary's County Maryland | 2 | $ 300,000 | $ 150,000 | $ 97,000 |
| Burlington County New Jersey | 2 | $ 331,000 | $ 165,000 | $ 128,000 |
| Cumberland County New Jersey | 2 | $ 63,000 | $ 31,000 | $ 74,000 |
| Essex County New Jersey | 2 | $ 80,000 | $ 40,000 | $ 99,000 |
| Middlesex County New Jersey | 2 | $ 100,000 | $ 50,000 | $ 154,000 |
| Somerset County New Jersey | 2 | $ 545,000 | $ 272,000 | $ 199,000 |
| Nassau County New York | 2 | $ 345,000 | $ 172,000 | $ 98,000 |
| Queens County New York | 2 | $ 180,000 | $ 90,000 | $ 123,000 |
| Union County North Carolina | 2 | $ 180,000 | $ 90,000 | $ 138,000 |
| Watauga County North Carolina | 2 | $ 138,000 | $ 69,000 | $ 81,000 |
| Dauphin County Pennsylvania | 2 | $ 179,000 | $ 89,000 | $ 51,000 |
| El Paso County Texas | 2 | $ 260,000 | $ 130,000 | $ 252,000 |
| Accomack County Virginia | 2 | $ 183,000 | $ 91,000 | $ 112,000 |
| Fairfax City County Virginia | 2 | $ 208,000 | $ 104,000 | $ 91,000 |
| Hanover County Virginia | 2 | $ 202,000 | $ 101,000 | $ 72,000 |
| Manassas County Virginia | 2 | $ 81,000 | $ 40,000 | $ 66,000 |
| Virginia Beach County Virginia | 2 | $ 120,000 | $ 60,000 | $ 102,000 |
| Braxton County West Virginia | 2 | $ 54,000 | $ 27,000 | $ 74,000 |
| Doddridge County West Virginia | 2 | $ 46,000 | $ 23,000 | $ 66,000 |
| Preston County West Virginia | 2 | $ 242,000 | $ 121,000 | $ 72,000 |
| Upshur County West Virginia | 2 | $ 60,000 | $ 30,000 | $ 101,000 |
| Baldwin County Alabama | 1 | $ 360,000 | $ 360,000 | $ 179,000 |
| Mobile County Alabama | 1 | $ 195,000 | $ 195,000 | $ 72,000 |
| Yavapai County Arizona | 1 | $ 138,000 | $ 138,000 | $ 51,000 |
| El Dorado County California | 1 | $ 35,000 | $ 35,000 | $ 33,000 |
| Merced County California | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| Orange County California | 1 | $ 200,000 | $ 200,000 | $ 123,000 |
| Sacramento County California | 1 | $ 90,000 | $ 90,000 | $ 265,000 |
| San Bernardino County California | 1 | $ 60,000 | $ 60,000 | $ 88,000 |
| San Diego County California | 1 | $ 600,000 | $ 600,000 | $ 86,000 |
| Fairfield County Connecticut | 1 | $ 180,000 | $ 180,000 | $ 149,000 |
| Sussex County Delaware | 1 | $ 360,000 | $ 360,000 | $ 185,000 |
| Bay County Florida | 1 | $ 55,000 | $ 55,000 | $ 97,000 |
| Citrus County Florida | 1 | $ 117,000 | $ 117,000 | $ 100,000 |
| Duval County Florida | 1 | $ 39,000 | $ 39,000 | $ 67,000 |
| Flagler County Florida | 1 | $ 206,000 | $ 206,000 | $ 122,000 |
| Hernando County Florida | 1 | $ 120,000 | $ 120,000 | $ 82,000 |
| Jefferson County Florida | 1 | $ 50,000 | $ 50,000 | $ 148,000 |
| Lake County Florida | 1 | $ 50,000 | $ 50,000 | $ 65,000 |
| Sarasota County Florida | 1 | $ 30,000 | $ 30,000 | $ 56,000 |
| Bulloch County Georgia | 1 | $ 40,000 | $ 40,000 | $ 50,000 |
| Chatham County Georgia | 1 | $ 46,000 | $ 46,000 | $ 67,000 |
| Cherokee County Georgia | 1 | $ 70,000 | $ 70,000 | $ 71,000 |
| Coweta County Georgia | 1 | $ 116,000 | $ 116,000 | $ 148,000 |
| DeKalb County Georgia | 1 | $ 100,000 | $ 100,000 | $ 101,000 |
| Fayette County Georgia | 1 | $ 20,000 | $ 20,000 | $ 125,000 |
| Ada County Idaho | 1 | $ 339,000 | $ 339,000 | $ 75,000 |
| Will County Illinois | 1 | $ 194,000 | $ 194,000 | $ 103,000 |
| Shawnee County Kansas | 1 | $ 189,000 | $ 189,000 | $ 101,000 |
| St. Charles County Louisiana | 1 | $ 92,000 | $ 92,000 | $ 74,000 |
| Franklin County Maine | 1 | $ 175,000 | $ 175,000 | $ 181,000 |
| Kent County Maryland | 1 | $ 150,000 | $ 150,000 | $ 111,000 |
| Washington County Maryland | 1 | $ 275,000 | $ 275,000 | $ 80,000 |
| Worcester County Maryland | 1 | $ 30,000 | $ 30,000 | $ 609,000 |
| Bristol County Massachusetts | 1 | $ 60,000 | $ 60,000 | $ 50,000 |
| Essex County Massachusetts | 1 | $ 100,000 | $ 100,000 | $ 136,000 |
| Norfolk County Massachusetts | 1 | $ 10,000 | $ 10,000 | $ 63,000 |
| Washoe County Nevada | 1 | $ 2,000 | $ 2,000 | $ 64,000 |
| Bergen County New Jersey | 1 | $ 250,000 | $ 250,000 | $ 269,000 |
| Morris County New Jersey | 1 | $ 334,000 | $ 334,000 | $ 72,000 |
| Ocean County New Jersey | 1 | $ 210,000 | $ 210,000 | $ 90,000 |
| Albany County New York | 1 | $ 15,000 | $ 15,000 | $ 118,000 |
| Bronx County New York | 1 | $ 30,000 | $ 30,000 | $ 64,000 |
| Chemung County New York | 1 | $ 40,000 | $ 40,000 | $ 84,000 |
| Erie County New York | 1 | $ 30,000 | $ 30,000 | $ 104,000 |
| Essex County New York | 1 | $ 71,000 | $ 71,000 | $ 217,000 |
| Kings County New York | 1 | $ 50,000 | $ 50,000 | $ 25,000 |
| Richmond County New York | 1 | $ 126,000 | $ 126,000 | $ 162,000 |
| Rockland County New York | 1 | $ 70,000 | $ 70,000 | $ 240,000 |
| St. Lawrence County New York | 1 | $ 34,000 | $ 34,000 | $ 46,000 |
| Westchester County New York | 1 | $ 173,000 | $ 173,000 | $ 165,000 |
| Beaufort County North Carolina | 1 | $ 350,000 | $ 350,000 | $ 88,000 |
| Henderson County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 95,000 |
| Rutherford County North Carolina | 1 | $ 27,000 | $ 27,000 | $ 39,000 |
| Vance County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 70,000 |
| Allegheny County Pennsylvania | 1 | $ 84,000 | $ 84,000 | $ 123,000 |
| Delaware County Pennsylvania | 1 | $ 24,000 | $ 24,000 | $ 87,000 |
| Monroe County Pennsylvania | 1 | $ 196,000 | $ 196,000 | $ 137,000 |
| Westmoreland County Pennsylvania | 1 | $ 26,000 | $ 26,000 | $ 112,000 |
| Horry County South Carolina | 1 | $ 184,000 | $ 184,000 | $ 106,000 |
| Richland County South Carolina | 1 | $ 220,000 | $ 220,000 | $ 254,000 |
| Knox County Tennessee | 1 | $ 93,000 | $ 93,000 | $ 29,000 |
| Sumner County Tennessee | 1 | $ 30,000 | $ 30,000 | $ 12,000 |
| Dallas County Texas | 1 | $ 28,000 | $ 28,000 | $ 165,000 |
| Charlottesville County Virginia | 1 | $ 100,000 | $ 100,000 | $ 129,000 |
| Chesapeake County Virginia | 1 | $ 50,000 | $ 50,000 | $ 84,000 |
| Culpeper County Virginia | 1 | $ 50,000 | $ 50,000 | $ 52,000 |
| Fredericksburg County Virginia | 1 | $ 50,000 | $ 50,000 | $ 125,000 |
| Highland County Virginia | 1 | $ 35,000 | $ 35,000 | $ 53,000 |
| Louisa County Virginia | 1 | $ 50,000 | $ 50,000 | $ 126,000 |
| Manassas Park County Virginia | 1 | $ 370,000 | $ 370,000 | $ 215,000 |
| Nelson County Virginia | 1 | $ 16,000 | $ 16,000 | $ 149,000 |
| Shenandoah County Virginia | 1 | $ 294,000 | $ 294,000 | $ 89,000 |
| Jefferson County West Virginia | 1 | $ 189,000 | $ 189,000 | $ 87,000 |
| Monongalia County West Virginia | 1 | $ 136,000 | $ 136,000 | $ 102,000 |
| Raleigh County West Virginia | 1 | $ 162,000 | $ 162,000 | $ 96,000 |
| Ritchie County West Virginia | 1 | $ 115,000 | $ 115,000 | $ 148,000 |
Mortgage Loan Application Detail Totals for Justice Federal Credit Union in 2005
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 | 402 | $21,138,000 | $45,411 | $250,000 | $94,000 | $609,000 |
| Refinancing | 203 | $34,199,000 | $151,058 | $600,000 | $119,294 | $427,000 |
| Home Purchase | 132 | $31,811,000 | $211,833 | $650,000 | $99,777 | $293,000 |
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 | 366 | $48,211,000 | $140,347 | $650,000 | $101,913 | $427,000 |
| White | 248 | $24,018,000 | $108,000 | $600,000 | $112,388 | $609,000 |
| Black or African American | 102 | $11,677,000 | $91,750 | $565,000 | $88,750 | $314,000 |
| Hispanic | 12 | $1,858,000 | $196,400 | $500,000 | $111,400 | $199,000 |
| Asian | 8 | $1,344,000 | $130,666 | $385,000 | $115,666 | $256,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $40,000 | $40,000 | $40,000 | $115,000 | $115,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 737 | $87,148,000 | $135,461 | $650,000 | $104,115 | $609,000 |
| 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 | 503 | $51,853,000 | $133,272 | $599,000 | $99,590 | $609,000 |
| Application Withdrawn By Applicant | 69 | $9,763,000 | $162,750 | $600,000 | $143,833 | $403,000 |
| Application Approved But Not Accepted | 48 | $5,010,000 | $75,615 | $360,000 | $110,076 | $375,000 |
| Preapproval Approved but not Accepted | 38 | $9,855,000 | $259,000 | $650,000 | $129,000 | $285,000 |
| Application Denied By Financial Institution | 37 | $4,673,000 | $130,428 | $565,000 | $61,428 | $245,000 |
| File Closed For Incompleteness | 31 | $2,920,000 | $91,100 | $360,000 | $93,100 | $293,000 |
| Preapproval Denied by Financial Institution | 11 | $3,074,000 | $279,000 | $360,000 | $102,000 | $157,000 |
| 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 | 35 | $4,987,000 | $104,714 | $415,000 | $65,857 | $245,000 |
| Debt-To-Income Ratio | 6 | $1,056,000 | $185,333 | $333,000 | $78,000 | $112,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $604,000 | $201,333 | $250,000 | $59,333 | $67,000 |
| Employment History | 2 | $495,000 | $247,500 | $300,000 | $128,500 | $157,000 |
| Collateral | 2 | $605,000 | $302,500 | $565,000 | $69,500 | $71,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Justice Federal Credit Union's 2005 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.