Justice Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
Justice Federal Credit Union 2008 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 | 672 |
| Total Mortgage Loan Application Amount | $138,742,000 |
| Average Mortgage Loan Application Amount | $181,000 |
| Highest Mortgage Loan Application Amount | $900,000 |
| Average Applicant Income | $115,333 |
| Highest Applicant Income | $740,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 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 2008 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 2008.
| 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 | 51 | $ 9,278,000 | $ 181,000 | $ 102,000 |
| Fairfax County Virginia | 50 | $ 12,585,000 | $ 251,000 | $ 163,000 |
| District of Columbia County District Of Columbia | 35 | $ 6,052,000 | $ 172,000 | $ 115,000 |
| Harrison County West Virginia | 32 | $ 2,601,000 | $ 81,000 | $ 78,000 |
| Montgomery County Maryland | 22 | $ 5,173,000 | $ 235,000 | $ 139,000 |
| Prince William County Virginia | 20 | $ 3,974,000 | $ 198,000 | $ 135,000 |
| Arlington County Virginia | 16 | $ 4,862,000 | $ 303,000 | $ 173,000 |
| Harris County Texas | 11 | $ 1,505,000 | $ 136,000 | $ 98,000 |
| Stafford County Virginia | 11 | $ 1,692,000 | $ 153,000 | $ 135,000 |
| Marion County West Virginia | 11 | $ 1,801,000 | $ 163,000 | $ 95,000 |
| Anne Arundel County Maryland | 9 | $ 1,812,000 | $ 201,000 | $ 123,000 |
| Charles County Maryland | 9 | $ 1,610,000 | $ 178,000 | $ 100,000 |
| Los Angeles County California | 8 | $ 1,629,000 | $ 203,000 | $ 105,000 |
| Alexandria County Virginia | 8 | $ 1,407,000 | $ 175,000 | $ 208,000 |
| Spotsylvania County Virginia | 8 | $ 877,000 | $ 109,000 | $ 137,000 |
| Broward County Florida | 5 | $ 1,139,000 | $ 227,000 | $ 104,000 |
| Frederick County Maryland | 5 | $ 764,000 | $ 152,000 | $ 187,000 |
| Kings County New York | 5 | $ 1,023,000 | $ 204,000 | $ 122,000 |
| Nassau County New York | 5 | $ 1,582,000 | $ 316,000 | $ 125,000 |
| Loudoun County Virginia | 5 | $ 777,000 | $ 155,000 | $ 106,000 |
| Taylor County West Virginia | 5 | $ 526,000 | $ 105,000 | $ 99,000 |
| Miami-Dade County Florida | 4 | $ 386,000 | $ 96,000 | $ 88,000 |
| St. Mary's County Maryland | 4 | $ 914,000 | $ 228,000 | $ 102,000 |
| Monmouth County New Jersey | 4 | $ 1,236,000 | $ 309,000 | $ 126,000 |
| Orange County New York | 4 | $ 696,000 | $ 174,000 | $ 173,000 |
| Essex County New Jersey | 3 | $ 597,000 | $ 199,000 | $ 81,000 |
| Suffolk County New York | 3 | $ 481,000 | $ 160,000 | $ 94,000 |
| Virginia Beach County Virginia | 3 | $ 717,000 | $ 239,000 | $ 132,000 |
| Doddridge County West Virginia | 3 | $ 152,000 | $ 50,000 | $ 66,000 |
| Nicholas County West Virginia | 3 | $ 247,000 | $ 82,000 | $ 98,000 |
| Preston County West Virginia | 3 | $ 374,000 | $ 124,000 | $ 90,000 |
| Maricopa County Arizona | 2 | $ 367,000 | $ 183,000 | $ 115,000 |
| Sussex County Delaware | 2 | $ 375,000 | $ 187,000 | $ 163,000 |
| Cook County Illinois | 2 | $ 423,000 | $ 211,000 | $ 129,000 |
| Baltimore County Maryland | 2 | $ 326,000 | $ 163,000 | $ 107,000 |
| Baltimore City County Maryland | 2 | $ 331,000 | $ 165,000 | $ 127,000 |
| Calvert County Maryland | 2 | $ 210,000 | $ 105,000 | $ 137,000 |
| Howard County Maryland | 2 | $ 885,000 | $ 442,000 | $ 220,000 |
| Jackson County Missouri | 2 | $ 109,000 | $ 54,000 | $ 110,000 |
| Clark County Nevada | 2 | $ 641,000 | $ 320,000 | $ 122,000 |
| Sussex County New Jersey | 2 | $ 343,000 | $ 171,000 | $ 106,000 |
| Wake County North Carolina | 2 | $ 333,000 | $ 166,000 | $ 74,000 |
| Richland County South Carolina | 2 | $ 598,000 | $ 299,000 | $ 157,000 |
| Bexar County Texas | 2 | $ 121,000 | $ 60,000 | $ 100,000 |
| Albemarle County Virginia | 2 | $ 519,000 | $ 259,000 | $ 89,000 |
| Caroline County Virginia | 2 | $ 336,000 | $ 168,000 | $ 93,000 |
| Fairfax City County Virginia | 2 | $ 495,000 | $ 247,000 | $ 78,000 |
| Fauquier County Virginia | 2 | $ 327,000 | $ 163,000 | $ 155,000 |
| Frederick County Virginia | 2 | $ 48,000 | $ 24,000 | $ 69,000 |
| Monongalia County West Virginia | 2 | $ 140,000 | $ 70,000 | $ 89,000 |
| Upshur County West Virginia | 2 | $ 206,000 | $ 103,000 | $ 73,000 |
| Shelby County Alabama | 1 | $ 95,000 | $ 95,000 | $ 119,000 |
| Mohave County Arizona | 1 | $ 228,000 | $ 228,000 | $ 112,000 |
| Pinal County Arizona | 1 | $ 130,000 | $ 130,000 | $ 39,000 |
| Cross County Arkansas | 1 | $ 20,000 | $ 20,000 | $ 57,000 |
| Contra Costa County California | 1 | $ 668,000 | $ 668,000 | $ 253,000 |
| Lassen County California | 1 | $ 140,000 | $ 140,000 | $ 109,000 |
| Orange County California | 1 | $ 158,000 | $ 158,000 | $ 94,000 |
| Riverside County California | 1 | $ 211,000 | $ 211,000 | $ 118,000 |
| San Bernardino County California | 1 | $ 100,000 | $ 100,000 | $ 39,000 |
| San Diego County California | 1 | $ 100,000 | $ 100,000 | $ 90,000 |
| San Luis Obispo County California | 1 | $ 30,000 | $ 30,000 | $ 77,000 |
| Santa Barbara County California | 1 | $ 23,000 | $ 23,000 | $ 90,000 |
| Boulder County Colorado | 1 | $ 126,000 | $ 126,000 | $ 62,000 |
| Fairfield County Connecticut | 1 | $ 406,000 | $ 406,000 | $ 155,000 |
| Charlotte County Florida | 1 | $ 19,000 | $ 19,000 | $ 14,000 |
| Citrus County Florida | 1 | $ 55,000 | $ 55,000 | $ 116,000 |
| Hillsborough County Florida | 1 | $ 235,000 | $ 235,000 | $ 72,000 |
| Martin County Florida | 1 | $ 40,000 | $ 40,000 | $ 58,000 |
| Nassau County Florida | 1 | $ 200,000 | $ 200,000 | $ 72,000 |
| Orange County Florida | 1 | $ 218,000 | $ 218,000 | $ 115,000 |
| Seminole County Florida | 1 | $ 127,000 | $ 127,000 | $ 157,000 |
| Bibb County Georgia | 1 | $ 109,000 | $ 109,000 | $ 87,000 |
| Chatham County Georgia | 1 | $ 315,000 | $ 315,000 | $ 64,000 |
| Clayton County Georgia | 1 | $ 50,000 | $ 50,000 | $ 85,000 |
| Fulton County Georgia | 1 | $ 380,000 | $ 380,000 | $ 165,000 |
| Fayette County Illinois | 1 | $ 68,000 | $ 68,000 | $ 101,000 |
| Macon County Illinois | 1 | $ 25,000 | $ 25,000 | $ 106,000 |
| St. Clair County Illinois | 1 | $ 127,000 | $ 127,000 | $ 96,000 |
| Carroll County Maryland | 1 | $ 486,000 | $ 486,000 | $ 98,000 |
| Queen Anne's County Maryland | 1 | $ 396,000 | $ 396,000 | $ 84,000 |
| Bristol County Massachusetts | 1 | $ 375,000 | $ 375,000 | $ 197,000 |
| Middlesex County Massachusetts | 1 | $ 277,000 | $ 277,000 | $ 120,000 |
| Worcester County Massachusetts | 1 | $ 275,000 | $ 275,000 | $ 111,000 |
| Wayne County Michigan | 1 | $ 120,000 | $ 120,000 | $ 82,000 |
| Harrison County Mississippi | 1 | $ 15,000 | $ 15,000 | $ 83,000 |
| Barton County Missouri | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Clay County Missouri | 1 | $ 174,000 | $ 174,000 | $ 64,000 |
| St. Louis County Missouri | 1 | $ 283,000 | $ 283,000 | $ 140,000 |
| Jefferson County Montana | 1 | $ 188,000 | $ 188,000 | $ 131,000 |
| Atlantic County New Jersey | 1 | $ 23,000 | $ 23,000 | $ 144,000 |
| Bergen County New Jersey | 1 | $ 272,000 | $ 272,000 | $ 81,000 |
| Cumberland County New Jersey | 1 | $ 165,000 | $ 165,000 | $ 121,000 |
| Hudson County New Jersey | 1 | $ 35,000 | $ 35,000 | $ 86,000 |
| Middlesex County New Jersey | 1 | $ 180,000 | $ 180,000 | $ 58,000 |
| Ocean County New Jersey | 1 | $ 315,000 | $ 315,000 | $ 119,000 |
| Somerset County New Jersey | 1 | $ 172,000 | $ 172,000 | $ 153,000 |
| Union County New Jersey | 1 | $ 9,000 | $ 9,000 | $ 176,000 |
| Bernalillo County New Mexico | 1 | $ 135,000 | $ 135,000 | $ 46,000 |
| Lincoln County New Mexico | 1 | $ 133,000 | $ 133,000 | $ 111,000 |
| Oneida County New York | 1 | $ 138,000 | $ 138,000 | $ 50,000 |
| Queens County New York | 1 | $ 50,000 | $ 50,000 | $ 98,000 |
| St. Lawrence County New York | 1 | $ 37,000 | $ 37,000 | $ 41,000 |
| Westchester County New York | 1 | $ 437,000 | $ 437,000 | $ 198,000 |
| Cabarrus County North Carolina | 1 | $ 327,000 | $ 327,000 | $ 107,000 |
| Granville County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 73,000 |
| Mecklenburg County North Carolina | 1 | $ 10,000 | $ 10,000 | $ 65,000 |
| Person County North Carolina | 1 | $ 114,000 | $ 114,000 | $ 60,000 |
| Union County North Carolina | 1 | $ 405,000 | $ 405,000 | $ 196,000 |
| Greene County Ohio | 1 | $ 137,000 | $ 137,000 | $ 95,000 |
| Hamilton County Ohio | 1 | $ 70,000 | $ 70,000 | $ 309,000 |
| Mahoning County Ohio | 1 | $ 78,000 | $ 78,000 | $ 133,000 |
| Medina County Ohio | 1 | $ 144,000 | $ 144,000 | $ 102,000 |
| Canadian County Oklahoma | 1 | $ 267,000 | $ 267,000 | $ 130,000 |
| Multnomah County Oregon | 1 | $ 200,000 | $ 200,000 | $ 52,000 |
| Allegheny County Pennsylvania | 1 | $ 210,000 | $ 210,000 | $ 143,000 |
| Blair County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 72,000 |
| Delaware County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 98,000 |
| Erie County Pennsylvania | 1 | $ 200,000 | $ 200,000 | $ 59,000 |
| Somerset County Pennsylvania | 1 | $ 76,000 | $ 76,000 | $ 174,000 |
| Wayne County Pennsylvania | 1 | $ 230,000 | $ 230,000 | $ 90,000 |
| Wyoming County Pennsylvania | 1 | $ 228,000 | $ 228,000 | $ 190,000 |
| Lexington County South Carolina | 1 | $ 190,000 | $ 190,000 | $ 57,000 |
| Williamsburg County South Carolina | 1 | $ 67,000 | $ 67,000 | $ 54,000 |
| Rutherford County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 72,000 |
| Sumner County Tennessee | 1 | $ 30,000 | $ 30,000 | $ 172,000 |
| Dallas County Texas | 1 | $ 30,000 | $ 30,000 | $ 120,000 |
| El Paso County Texas | 1 | $ 156,000 | $ 156,000 | $ 115,000 |
| Fort Bend County Texas | 1 | $ 180,000 | $ 180,000 | $ 138,000 |
| Hidalgo County Texas | 1 | $ 47,000 | $ 47,000 | $ 109,000 |
| Montgomery County Texas | 1 | $ 50,000 | $ 50,000 | $ 52,000 |
| Travis County Texas | 1 | $ 40,000 | $ 40,000 | $ 120,000 |
| Amherst County Virginia | 1 | $ 257,000 | $ 257,000 | $ 107,000 |
| Franklin County Virginia | 1 | $ 55,000 | $ 55,000 | $ 65,000 |
| Hanover County Virginia | 1 | $ 188,000 | $ 188,000 | $ 85,000 |
| Manassas Park County Virginia | 1 | $ 260,000 | $ 260,000 | $ 137,000 |
| Northumberland County Virginia | 1 | $ 250,000 | $ 250,000 | $ 342,000 |
| Orange County Virginia | 1 | $ 200,000 | $ 200,000 | $ 151,000 |
| Petersburg County Virginia | 1 | $ 200,000 | $ 200,000 | $ 50,000 |
| Richmond City County Virginia | 1 | $ 179,000 | $ 179,000 | $ 77,000 |
| King County Washington | 1 | $ 488,000 | $ 488,000 | $ 133,000 |
| Barbour County West Virginia | 1 | $ 150,000 | $ 150,000 | $ 97,000 |
| Berkeley County West Virginia | 1 | $ 160,000 | $ 160,000 | $ 84,000 |
| Braxton County West Virginia | 1 | $ 21,000 | $ 21,000 | $ 60,000 |
| Lewis County West Virginia | 1 | $ 15,000 | $ 15,000 | $ 72,000 |
| Pleasants County West Virginia | 1 | $ 70,000 | $ 70,000 | $ 48,000 |
| Putnam County West Virginia | 1 | $ 165,000 | $ 165,000 | $ 85,000 |
| Pierce County Wisconsin | 1 | $ 140,000 | $ 140,000 | $ 152,000 |
| Waukesha County Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 120,000 |
Mortgage Loan Application Detail Totals for Justice Federal Credit Union in 2008
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 Purchase | 274 | $74,413,000 | $271,000 | $900,000 | $106,000 | $500,000 |
| Refinancing | 264 | $56,418,000 | $213,000 | $720,000 | $124,000 | $740,000 |
| Home Improvement | 134 | $7,911,000 | $59,000 | $250,000 | $116,000 | $657,000 |
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 |
|---|---|---|---|---|---|---|
| White | 288 | $60,931,000 | $211,000 | $900,000 | $121,000 | $657,000 |
| Not Provided | 229 | $46,723,000 | $204,000 | $750,000 | $117,000 | $740,000 |
| Black or African American | 103 | $19,945,000 | $193,000 | $550,000 | $94,000 | $232,000 |
| Hispanic | 33 | $6,437,000 | $195,000 | $580,000 | $119,000 | $370,000 |
| Asian | 15 | $3,969,000 | $264,000 | $417,000 | $117,000 | $244,000 |
| American Indian or Alaskan Native | 3 | $637,000 | $212,000 | $322,000 | $74,000 | $85,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $100,000 | $100,000 | $100,000 | $39,000 | $39,000 |
| Not applicable | 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) | 672 | $138,742,000 | $206,000 | $900,000 | $115,000 | $740,000 |
| 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 | 277 | $48,503,000 | $175,000 | $690,000 | $121,000 | $442,000 |
| Application Withdrawn By Applicant | 118 | $29,320,000 | $248,000 | $900,000 | $118,000 | $390,000 |
| Application Denied By Financial Institution | 60 | $11,155,000 | $185,000 | $486,000 | $96,000 | $740,000 |
| Preapproval Approved but not Accepted | 60 | $18,863,000 | $314,000 | $628,000 | $111,000 | $500,000 |
| Application Approved But Not Accepted | 58 | $11,428,000 | $197,000 | $585,000 | $113,000 | $310,000 |
| Preapproval Denied by Financial Institution | 52 | $12,580,000 | $241,000 | $750,000 | $88,000 | $199,000 |
| File Closed For Incompleteness | 47 | $6,893,000 | $146,000 | $608,000 | $134,000 | $657,000 |
| 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 | 62 | $12,199,000 | $196,000 | $504,000 | $90,000 | $197,000 |
| Debt-To-Income Ratio | 26 | $6,422,000 | $247,000 | $750,000 | $98,000 | $740,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $2,407,000 | $200,000 | $464,000 | $77,000 | $224,000 |
| Collateral | 9 | $2,040,000 | $226,000 | $416,000 | $113,000 | $199,000 |
| Employment History | 1 | $280,000 | $280,000 | $280,000 | $102,000 | $102,000 |
| Other | 1 | $187,000 | $187,000 | $187,000 | $80,000 | $80,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Justice Federal Credit Union's 2008 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.