Justice Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Justice Federal Credit Union 2007 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 | 553 |
| Total Mortgage Loan Application Amount | $92,181,000 |
| Average Mortgage Loan Application Amount | $157,666 |
| Highest Mortgage Loan Application Amount | $720,000 |
| Average Applicant Income | $111,333 |
| Highest Applicant Income | $1,969,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| 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 | 67 | $ 11,036,000 | $ 164,000 | $ 97,000 |
| District of Columbia County District Of Columbia | 35 | $ 5,810,000 | $ 166,000 | $ 120,000 |
| Fairfax County Virginia | 30 | $ 4,008,000 | $ 133,000 | $ 133,000 |
| Montgomery County Maryland | 26 | $ 4,214,000 | $ 162,000 | $ 148,000 |
| Prince William County Virginia | 25 | $ 3,378,000 | $ 135,000 | $ 116,000 |
| Stafford County Virginia | 15 | $ 1,453,000 | $ 96,000 | $ 120,000 |
| Harrison County West Virginia | 15 | $ 1,020,000 | $ 68,000 | $ 82,000 |
| Charles County Maryland | 12 | $ 1,741,000 | $ 145,000 | $ 100,000 |
| Broward County Florida | 8 | $ 813,000 | $ 101,000 | $ 95,000 |
| Arlington County Virginia | 8 | $ 1,912,000 | $ 239,000 | $ 167,000 |
| Baltimore County Maryland | 7 | $ 1,267,000 | $ 181,000 | $ 99,000 |
| Frederick County Maryland | 7 | $ 858,000 | $ 122,000 | $ 98,000 |
| Alexandria County Virginia | 7 | $ 1,319,000 | $ 188,000 | $ 112,000 |
| Spotsylvania County Virginia | 7 | $ 926,000 | $ 132,000 | $ 123,000 |
| Marion County West Virginia | 7 | $ 454,000 | $ 64,000 | $ 76,000 |
| Los Angeles County California | 6 | $ 912,000 | $ 152,000 | $ 144,000 |
| Anne Arundel County Maryland | 6 | $ 601,000 | $ 100,000 | $ 95,000 |
| St. Mary's County Maryland | 6 | $ 923,000 | $ 153,000 | $ 88,000 |
| Loudoun County Virginia | 6 | $ 821,000 | $ 136,000 | $ 146,000 |
| Harris County Texas | 5 | $ 329,000 | $ 65,000 | $ 94,000 |
| Upshur County West Virginia | 5 | $ 250,000 | $ 50,000 | $ 107,000 |
| Baltimore City County Maryland | 4 | $ 196,000 | $ 49,000 | $ 112,000 |
| Howard County Maryland | 4 | $ 866,000 | $ 216,000 | $ 121,000 |
| Queens County New York | 4 | $ 469,000 | $ 117,000 | $ 94,000 |
| Orange County Virginia | 4 | $ 585,000 | $ 146,000 | $ 81,000 |
| Lewis County West Virginia | 4 | $ 278,000 | $ 69,000 | $ 88,000 |
| Miami-Dade County Florida | 3 | $ 160,000 | $ 53,000 | $ 80,000 |
| Chatham County Georgia | 3 | $ 459,000 | $ 153,000 | $ 70,000 |
| Union County New Jersey | 3 | $ 149,000 | $ 49,000 | $ 129,000 |
| Union County North Carolina | 3 | $ 641,000 | $ 213,000 | $ 112,000 |
| Fauquier County Virginia | 3 | $ 587,000 | $ 195,000 | $ 104,000 |
| Manassas Park County Virginia | 3 | $ 435,000 | $ 145,000 | $ 100,000 |
| New Haven County Connecticut | 2 | $ 275,000 | $ 137,000 | $ 148,000 |
| Seminole County Florida | 2 | $ 341,000 | $ 170,000 | $ 133,000 |
| Gwinnett County Georgia | 2 | $ 414,000 | $ 207,000 | $ 184,000 |
| Carroll County Maryland | 2 | $ 358,000 | $ 179,000 | $ 62,000 |
| Essex County New Jersey | 2 | $ 360,000 | $ 180,000 | $ 75,000 |
| Middlesex County New Jersey | 2 | $ 436,000 | $ 218,000 | $ 122,000 |
| Monmouth County New Jersey | 2 | $ 348,000 | $ 174,000 | $ 123,000 |
| Nassau County New York | 2 | $ 510,000 | $ 255,000 | $ 95,000 |
| Orange County New York | 2 | $ 127,000 | $ 63,000 | $ 170,000 |
| Tarrant County Texas | 2 | $ 184,000 | $ 92,000 | $ 87,000 |
| Fairfax City County Virginia | 2 | $ 191,000 | $ 95,000 | $ 139,000 |
| King County Washington | 2 | $ 475,000 | $ 237,000 | $ 129,000 |
| Doddridge County West Virginia | 2 | $ 171,000 | $ 85,000 | $ 82,000 |
| Randolph County West Virginia | 2 | $ 119,000 | $ 59,000 | $ 121,000 |
| Pulaski County Arkansas | 1 | $ 300,000 | $ 300,000 | $ 249,000 |
| Fresno County California | 1 | $ 90,000 | $ 90,000 | $ 197,000 |
| Orange County California | 1 | $ 392,000 | $ 392,000 | $ 89,000 |
| Riverside County California | 1 | $ 63,000 | $ 63,000 | $ 230,000 |
| Ventura County California | 1 | $ 417,000 | $ 417,000 | $ 93,000 |
| Archuleta County Colorado | 1 | $ 150,000 | $ 150,000 | $ 81,000 |
| Boulder County Colorado | 1 | $ 153,000 | $ 153,000 | $ 100,000 |
| Denver County Colorado | 1 | $ 33,000 | $ 33,000 | $ 94,000 |
| Jefferson County Colorado | 1 | $ 219,000 | $ 219,000 | $ 104,000 |
| Montrose County Colorado | 1 | $ 13,000 | $ 13,000 | $ 36,000 |
| Hartford County Connecticut | 1 | $ 216,000 | $ 216,000 | $ 155,000 |
| Charlotte County Florida | 1 | $ 10,000 | $ 10,000 | $ 15,000 |
| Clay County Florida | 1 | $ 60,000 | $ 60,000 | $ 98,000 |
| Duval County Florida | 1 | $ 148,000 | $ 148,000 | $ 72,000 |
| Flagler County Florida | 1 | $ 128,000 | $ 128,000 | $ 59,000 |
| Hillsborough County Florida | 1 | $ 205,000 | $ 205,000 | $ 65,000 |
| Lake County Florida | 1 | $ 30,000 | $ 30,000 | $ 62,000 |
| Lee County Florida | 1 | $ 240,000 | $ 240,000 | $ 86,000 |
| Leon County Florida | 1 | $ 164,000 | $ 164,000 | $ 62,000 |
| Marion County Florida | 1 | $ 105,000 | $ 105,000 | $ 90,000 |
| St. Johns County Florida | 1 | $ 269,000 | $ 269,000 | $ 62,000 |
| Telfair County Georgia | 1 | $ 26,000 | $ 26,000 | $ 43,000 |
| Fulton County Illinois | 1 | $ 90,000 | $ 90,000 | $ 118,000 |
| Johnson County Kansas | 1 | $ 262,000 | $ 262,000 | $ 137,000 |
| Ascension County Louisiana | 1 | $ 220,000 | $ 220,000 | $ 94,000 |
| Calvert County Maryland | 1 | $ 90,000 | $ 90,000 | $ 94,000 |
| Cecil County Maryland | 1 | $ 400,000 | $ 400,000 | $ 143,000 |
| Garrett County Maryland | 1 | $ 85,000 | $ 85,000 | $ 115,000 |
| Kent County Maryland | 1 | $ 417,000 | $ 417,000 | $ 174,000 |
| Worcester County Maryland | 1 | $ 250,000 | $ 250,000 | $ 87,000 |
| Bristol County Massachusetts | 1 | $ 180,000 | $ 180,000 | $ 101,000 |
| Hampden County Massachusetts | 1 | $ 278,000 | $ 278,000 | $ 136,000 |
| Middlesex County Massachusetts | 1 | $ 75,000 | $ 75,000 | $ 140,000 |
| Pine County Minnesota | 1 | $ 164,000 | $ 164,000 | $ 370,000 |
| Hall County Nebraska | 1 | $ 123,000 | $ 123,000 | $ 81,000 |
| Clark County Nevada | 1 | $ 250,000 | $ 250,000 | $ 51,000 |
| Camden County New Jersey | 1 | $ 26,000 | $ 26,000 | $ 25,000 |
| Cape May County New Jersey | 1 | $ 100,000 | $ 100,000 | $ 70,000 |
| Hudson County New Jersey | 1 | $ 245,000 | $ 245,000 | $ 50,000 |
| Mercer County New Jersey | 1 | $ 351,000 | $ 351,000 | $ 182,000 |
| Morris County New Jersey | 1 | $ 375,000 | $ 375,000 | $ 149,000 |
| Passaic County New Jersey | 1 | $ 50,000 | $ 50,000 | $ 105,000 |
| Kings County New York | 1 | $ 30,000 | $ 30,000 | $ 60,000 |
| New York County New York | 1 | $ 100,000 | $ 100,000 | $ 71,000 |
| Rockland County New York | 1 | $ 100,000 | $ 100,000 | $ 63,000 |
| Durham County North Carolina | 1 | $ 72,000 | $ 72,000 | $ 140,000 |
| Mecklenburg County North Carolina | 1 | $ 240,000 | $ 240,000 | $ 42,000 |
| Nash County North Carolina | 1 | $ 30,000 | $ 30,000 | $ 47,000 |
| Lake County Ohio | 1 | $ 120,000 | $ 120,000 | $ 114,000 |
| Summit County Ohio | 1 | $ 42,000 | $ 42,000 | $ 78,000 |
| Adams County Pennsylvania | 1 | $ 70,000 | $ 70,000 | $ 95,000 |
| Blair County Pennsylvania | 1 | $ 10,000 | $ 10,000 | $ 80,000 |
| Cambria County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 53,000 |
| Lackawanna County Pennsylvania | 1 | $ 91,000 | $ 91,000 | $ 112,000 |
| Lehigh County Pennsylvania | 1 | $ 360,000 | $ 360,000 | $ 118,000 |
| Monroe County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Pike County Pennsylvania | 1 | $ 171,000 | $ 171,000 | $ 78,000 |
| Dillon County South Carolina | 1 | $ 130,000 | $ 130,000 | $ 45,000 |
| Austin County Texas | 1 | $ 15,000 | $ 15,000 | $ 130,000 |
| Brazoria County Texas | 1 | $ 150,000 | $ 150,000 | $ 55,000 |
| Collin County Texas | 1 | $ 244,000 | $ 244,000 | $ 134,000 |
| Dallas County Texas | 1 | $ 40,000 | $ 40,000 | $ 60,000 |
| Hidalgo County Texas | 1 | $ 85,000 | $ 85,000 | $ 78,000 |
| Williamson County Texas | 1 | $ 190,000 | $ 190,000 | $ 45,000 |
| Amherst County Virginia | 1 | $ 245,000 | $ 245,000 | $ 103,000 |
| Falls Church County Virginia | 1 | $ 362,000 | $ 362,000 | $ 82,000 |
| Goochland County Virginia | 1 | $ 50,000 | $ 50,000 | $ 140,000 |
| Henrico County Virginia | 1 | $ 245,000 | $ 245,000 | $ 153,000 |
| Manassas County Virginia | 1 | $ 12,000 | $ 12,000 | $ 105,000 |
| Nelson County Virginia | 1 | $ 194,000 | $ 194,000 | $ 261,000 |
| Newport News County Virginia | 1 | $ 30,000 | $ 30,000 | $ 49,000 |
| Nottoway County Virginia | 1 | $ 108,000 | $ 108,000 | $ 71,000 |
| Shenandoah County Virginia | 1 | $ 394,000 | $ 394,000 | $ 118,000 |
| Virginia Beach County Virginia | 1 | $ 60,000 | $ 60,000 | $ 89,000 |
| Braxton County West Virginia | 1 | $ 99,000 | $ 99,000 | $ 115,000 |
| Monongalia County West Virginia | 1 | $ 96,000 | $ 96,000 | $ 88,000 |
| Taylor County West Virginia | 1 | $ 35,000 | $ 35,000 | $ 43,000 |
| Tyler County West Virginia | 1 | $ 74,000 | $ 74,000 | $ 53,000 |
Mortgage Loan Application Detail Totals for Justice Federal Credit Union in 2007
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 | 235 | $40,566,000 | $172,000 | $475,000 | $107,000 | $330,000 |
| Home Purchase | 175 | $46,173,000 | $263,000 | $720,000 | $117,000 | $1,969,000 |
| Home Improvement | 143 | $5,442,000 | $38,000 | $155,000 | $110,000 | $310,000 |
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 | 324 | $53,753,000 | $165,000 | $690,000 | $114,000 | $1,969,000 |
| White | 125 | $20,055,000 | $160,000 | $720,000 | $111,000 | $298,000 |
| Black or African American | 86 | $15,539,000 | $180,000 | $417,000 | $97,000 | $330,000 |
| Hispanic | 10 | $1,726,000 | $172,000 | $405,000 | $100,000 | $172,000 |
| Asian | 7 | $980,000 | $140,000 | $250,000 | $122,000 | $259,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $128,000 | $128,000 | $128,000 | $59,000 | $59,000 |
| 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) | 553 | $92,181,000 | $166,000 | $720,000 | $111,000 | $1,969,000 |
| 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 | 312 | $38,280,000 | $122,000 | $720,000 | $114,000 | $330,000 |
| Application Withdrawn By Applicant | 79 | $14,150,000 | $179,000 | $417,000 | $104,000 | $370,000 |
| Preapproval Approved but not Accepted | 59 | $16,969,000 | $287,000 | $698,000 | $129,000 | $1,969,000 |
| Application Denied By Financial Institution | 44 | $9,977,000 | $226,000 | $475,000 | $85,000 | $200,000 |
| Application Approved But Not Accepted | 40 | $8,580,000 | $214,000 | $415,000 | $107,000 | $270,000 |
| File Closed For Incompleteness | 12 | $2,362,000 | $196,000 | $350,000 | $90,000 | $122,000 |
| Preapproval Denied by Financial Institution | 7 | $1,863,000 | $266,000 | $375,000 | $102,000 | $213,000 |
| 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 | 20 | $4,462,000 | $223,000 | $417,000 | $76,000 | $187,000 |
| Debt-To-Income Ratio | 13 | $3,467,000 | $266,000 | $405,000 | $79,000 | $189,000 |
| Collateral | 7 | $2,161,000 | $308,000 | $475,000 | $120,000 | $213,000 |
| Unverifiable Information | 4 | $834,000 | $208,000 | $260,000 | $74,000 | $139,000 |
| Other | 3 | $93,000 | $31,000 | $40,000 | $80,000 | $144,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $200,000 | $200,000 | $200,000 | $184,000 | $184,000 |
| Credit Application Incomplete | 1 | $240,000 | $240,000 | $240,000 | $42,000 | $42,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Justice Federal Credit Union's 2007 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.