Justice Federal Credit Union Mortgage Lending & HMDA Data, 2008
In 2008, Justice Federal Credit Union of Chantilly, VA reported 672 mortgage applications totaling $138.7 million, up 22% from 2007. The average application was for $206,461, and applicants reported an average income of $115,065. 41% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (219), Bethesda-Frederick-Gaithersburg, MD (26) and Baltimore-Towson, MD (17) (applications in parentheses).
| 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 | 2025 2024 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 | $206,461 |
| Highest Mortgage Loan Application Amount | $900,000 |
| Average Applicant Income | $115,065 |
| Highest Applicant Income | $740,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Justice Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| 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, Maryland | 51 | $ 9,278,000 | $ 181,921 | $ 102,000 |
| Fairfax, Virginia | 50 | $ 12,585,000 | $ 251,700 | $ 163,000 |
| District of Columbia, District Of Columbia | 35 | $ 6,052,000 | $ 172,914 | $ 115,000 |
| Harrison, West Virginia | 32 | $ 2,601,000 | $ 81,281 | $ 78,000 |
| Montgomery, Maryland | 22 | $ 5,173,000 | $ 235,136 | $ 139,000 |
| Prince William, Virginia | 20 | $ 3,974,000 | $ 198,700 | $ 135,000 |
| Arlington, Virginia | 16 | $ 4,862,000 | $ 303,875 | $ 173,000 |
| Harris, Texas | 11 | $ 1,505,000 | $ 136,818 | $ 98,000 |
| Stafford, Virginia | 11 | $ 1,692,000 | $ 153,818 | $ 135,000 |
| Marion, West Virginia | 11 | $ 1,801,000 | $ 163,727 | $ 95,000 |
| Anne Arundel, Maryland | 9 | $ 1,812,000 | $ 201,333 | $ 123,000 |
| Charles, Maryland | 9 | $ 1,610,000 | $ 178,888 | $ 100,000 |
| Los Angeles, California | 8 | $ 1,629,000 | $ 203,625 | $ 105,000 |
| Alexandria, Virginia | 8 | $ 1,407,000 | $ 175,875 | $ 208,000 |
| Spotsylvania, Virginia | 8 | $ 877,000 | $ 109,625 | $ 137,000 |
| Broward, Florida | 5 | $ 1,139,000 | $ 227,800 | $ 104,000 |
| Frederick, Maryland | 5 | $ 764,000 | $ 152,800 | $ 187,000 |
| Kings, New York | 5 | $ 1,023,000 | $ 204,600 | $ 122,000 |
| Nassau, New York | 5 | $ 1,582,000 | $ 316,400 | $ 125,000 |
| Loudoun, Virginia | 5 | $ 777,000 | $ 155,400 | $ 106,000 |
| Taylor, West Virginia | 5 | $ 526,000 | $ 105,200 | $ 99,000 |
| Miami-Dade, Florida | 4 | $ 386,000 | $ 96,500 | $ 88,000 |
| St. Mary's, Maryland | 4 | $ 914,000 | $ 228,500 | $ 102,000 |
| Monmouth, New Jersey | 4 | $ 1,236,000 | $ 309,000 | $ 126,000 |
| Orange, New York | 4 | $ 696,000 | $ 174,000 | $ 173,000 |
| Essex, New Jersey | 3 | $ 597,000 | $ 199,000 | $ 81,000 |
| Suffolk, New York | 3 | $ 481,000 | $ 160,333 | $ 94,000 |
| Virginia Beach, Virginia | 3 | $ 717,000 | $ 239,000 | $ 132,000 |
| Doddridge, West Virginia | 3 | $ 152,000 | $ 50,666 | $ 66,000 |
| Nicholas, West Virginia | 3 | $ 247,000 | $ 82,333 | $ 98,000 |
| Preston, West Virginia | 3 | $ 374,000 | $ 124,666 | $ 90,000 |
| Maricopa, Arizona | 2 | $ 367,000 | $ 183,500 | $ 115,000 |
| Sussex, Delaware | 2 | $ 375,000 | $ 187,500 | $ 163,000 |
| Cook, Illinois | 2 | $ 423,000 | $ 211,500 | $ 129,000 |
| Baltimore, Maryland | 2 | $ 326,000 | $ 163,000 | $ 107,000 |
| Baltimore City, Maryland | 2 | $ 331,000 | $ 165,500 | $ 127,000 |
| Calvert, Maryland | 2 | $ 210,000 | $ 105,000 | $ 137,000 |
| Howard, Maryland | 2 | $ 885,000 | $ 442,500 | $ 220,000 |
| Jackson, Missouri | 2 | $ 109,000 | $ 54,500 | $ 110,000 |
| Clark, Nevada | 2 | $ 641,000 | $ 320,500 | $ 122,000 |
| Sussex, New Jersey | 2 | $ 343,000 | $ 171,500 | $ 106,000 |
| Wake, North Carolina | 2 | $ 333,000 | $ 166,500 | $ 74,000 |
| Richland, South Carolina | 2 | $ 598,000 | $ 299,000 | $ 157,000 |
| Bexar, Texas | 2 | $ 121,000 | $ 60,500 | $ 100,000 |
| Albemarle, Virginia | 2 | $ 519,000 | $ 259,500 | $ 89,000 |
| Caroline, Virginia | 2 | $ 336,000 | $ 168,000 | $ 93,000 |
| Fairfax City, Virginia | 2 | $ 495,000 | $ 247,500 | $ 78,000 |
| Fauquier, Virginia | 2 | $ 327,000 | $ 163,500 | $ 155,000 |
| Frederick, Virginia | 2 | $ 48,000 | $ 24,000 | $ 69,000 |
| Monongalia, West Virginia | 2 | $ 140,000 | $ 70,000 | $ 89,000 |
| Upshur, West Virginia | 2 | $ 206,000 | $ 103,000 | $ 73,000 |
| Shelby, Alabama | 1 | $ 95,000 | $ 95,000 | $ 119,000 |
| Mohave, Arizona | 1 | $ 228,000 | $ 228,000 | $ 112,000 |
| Pinal, Arizona | 1 | $ 130,000 | $ 130,000 | $ 39,000 |
| Cross, Arkansas | 1 | $ 20,000 | $ 20,000 | $ 57,000 |
| Contra Costa, California | 1 | $ 668,000 | $ 668,000 | $ 253,000 |
| Lassen, California | 1 | $ 140,000 | $ 140,000 | $ 109,000 |
| Orange, California | 1 | $ 158,000 | $ 158,000 | $ 94,000 |
| Riverside, California | 1 | $ 211,000 | $ 211,000 | $ 118,000 |
| San Bernardino, California | 1 | $ 100,000 | $ 100,000 | $ 39,000 |
| San Diego, California | 1 | $ 100,000 | $ 100,000 | $ 90,000 |
| San Luis Obispo, California | 1 | $ 30,000 | $ 30,000 | $ 77,000 |
| Santa Barbara, California | 1 | $ 23,000 | $ 23,000 | $ 90,000 |
| Boulder, Colorado | 1 | $ 126,000 | $ 126,000 | $ 62,000 |
| Fairfield, Connecticut | 1 | $ 406,000 | $ 406,000 | $ 155,000 |
| Charlotte, Florida | 1 | $ 19,000 | $ 19,000 | $ 14,000 |
| Citrus, Florida | 1 | $ 55,000 | $ 55,000 | $ 116,000 |
| Hillsborough, Florida | 1 | $ 235,000 | $ 235,000 | $ 72,000 |
| Martin, Florida | 1 | $ 40,000 | $ 40,000 | $ 58,000 |
| Nassau, Florida | 1 | $ 200,000 | $ 200,000 | $ 72,000 |
| Orange, Florida | 1 | $ 218,000 | $ 218,000 | $ 115,000 |
| Seminole, Florida | 1 | $ 127,000 | $ 127,000 | $ 157,000 |
| Bibb, Georgia | 1 | $ 109,000 | $ 109,000 | $ 87,000 |
| Chatham, Georgia | 1 | $ 315,000 | $ 315,000 | $ 64,000 |
| Clayton, Georgia | 1 | $ 50,000 | $ 50,000 | $ 85,000 |
| Fulton, Georgia | 1 | $ 380,000 | $ 380,000 | $ 165,000 |
| Fayette, Illinois | 1 | $ 68,000 | $ 68,000 | $ 101,000 |
| Macon, Illinois | 1 | $ 25,000 | $ 25,000 | $ 106,000 |
| St. Clair, Illinois | 1 | $ 127,000 | $ 127,000 | $ 96,000 |
| Carroll, Maryland | 1 | $ 486,000 | $ 486,000 | $ 98,000 |
| Queen Anne's, Maryland | 1 | $ 396,000 | $ 396,000 | $ 84,000 |
| Bristol, Massachusetts | 1 | $ 375,000 | $ 375,000 | $ 197,000 |
| Middlesex, Massachusetts | 1 | $ 277,000 | $ 277,000 | $ 120,000 |
| Worcester, Massachusetts | 1 | $ 275,000 | $ 275,000 | $ 111,000 |
| Wayne, Michigan | 1 | $ 120,000 | $ 120,000 | $ 82,000 |
| Harrison, Mississippi | 1 | $ 15,000 | $ 15,000 | $ 83,000 |
| Barton, Missouri | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Clay, Missouri | 1 | $ 174,000 | $ 174,000 | $ 64,000 |
| St. Louis, Missouri | 1 | $ 283,000 | $ 283,000 | $ 140,000 |
| Jefferson, Montana | 1 | $ 188,000 | $ 188,000 | $ 131,000 |
| Atlantic, New Jersey | 1 | $ 23,000 | $ 23,000 | $ 144,000 |
| Bergen, New Jersey | 1 | $ 272,000 | $ 272,000 | $ 81,000 |
| Cumberland, New Jersey | 1 | $ 165,000 | $ 165,000 | $ 121,000 |
| Hudson, New Jersey | 1 | $ 35,000 | $ 35,000 | $ 86,000 |
| Middlesex, New Jersey | 1 | $ 180,000 | $ 180,000 | $ 58,000 |
| Ocean, New Jersey | 1 | $ 315,000 | $ 315,000 | $ 119,000 |
| Somerset, New Jersey | 1 | $ 172,000 | $ 172,000 | $ 153,000 |
| Union, New Jersey | 1 | $ 9,000 | $ 9,000 | $ 176,000 |
| Bernalillo, New Mexico | 1 | $ 135,000 | $ 135,000 | $ 46,000 |
| Lincoln, New Mexico | 1 | $ 133,000 | $ 133,000 | $ 111,000 |
| Oneida, New York | 1 | $ 138,000 | $ 138,000 | $ 50,000 |
| Queens, New York | 1 | $ 50,000 | $ 50,000 | $ 98,000 |
| St. Lawrence, New York | 1 | $ 37,000 | $ 37,000 | $ 41,000 |
| Westchester, New York | 1 | $ 437,000 | $ 437,000 | $ 198,000 |
| Cabarrus, North Carolina | 1 | $ 327,000 | $ 327,000 | $ 107,000 |
| Granville, North Carolina | 1 | $ 25,000 | $ 25,000 | $ 73,000 |
| Mecklenburg, North Carolina | 1 | $ 10,000 | $ 10,000 | $ 65,000 |
| Person, North Carolina | 1 | $ 114,000 | $ 114,000 | $ 60,000 |
| Union, North Carolina | 1 | $ 405,000 | $ 405,000 | $ 196,000 |
| Greene, Ohio | 1 | $ 137,000 | $ 137,000 | $ 95,000 |
| Hamilton, Ohio | 1 | $ 70,000 | $ 70,000 | $ 309,000 |
| Mahoning, Ohio | 1 | $ 78,000 | $ 78,000 | $ 133,000 |
| Medina, Ohio | 1 | $ 144,000 | $ 144,000 | $ 102,000 |
| Canadian, Oklahoma | 1 | $ 267,000 | $ 267,000 | $ 130,000 |
| Multnomah, Oregon | 1 | $ 200,000 | $ 200,000 | $ 52,000 |
| Allegheny, Pennsylvania | 1 | $ 210,000 | $ 210,000 | $ 143,000 |
| Blair, Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 72,000 |
| Delaware, Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 98,000 |
| Erie, Pennsylvania | 1 | $ 200,000 | $ 200,000 | $ 59,000 |
| Somerset, Pennsylvania | 1 | $ 76,000 | $ 76,000 | $ 174,000 |
| Wayne, Pennsylvania | 1 | $ 230,000 | $ 230,000 | $ 90,000 |
| Wyoming, Pennsylvania | 1 | $ 228,000 | $ 228,000 | $ 190,000 |
| Lexington, South Carolina | 1 | $ 190,000 | $ 190,000 | $ 57,000 |
| Williamsburg, South Carolina | 1 | $ 67,000 | $ 67,000 | $ 54,000 |
| Rutherford, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 72,000 |
| Sumner, Tennessee | 1 | $ 30,000 | $ 30,000 | $ 172,000 |
| Dallas, Texas | 1 | $ 30,000 | $ 30,000 | $ 120,000 |
| El Paso, Texas | 1 | $ 156,000 | $ 156,000 | $ 115,000 |
| Fort Bend, Texas | 1 | $ 180,000 | $ 180,000 | $ 138,000 |
| Hidalgo, Texas | 1 | $ 47,000 | $ 47,000 | $ 109,000 |
| Montgomery, Texas | 1 | $ 50,000 | $ 50,000 | $ 52,000 |
| Travis, Texas | 1 | $ 40,000 | $ 40,000 | $ 120,000 |
| Amherst, Virginia | 1 | $ 257,000 | $ 257,000 | $ 107,000 |
| Franklin, Virginia | 1 | $ 55,000 | $ 55,000 | $ 65,000 |
| Hanover, Virginia | 1 | $ 188,000 | $ 188,000 | $ 85,000 |
| Manassas Park, Virginia | 1 | $ 260,000 | $ 260,000 | $ 137,000 |
| Northumberland, Virginia | 1 | $ 250,000 | $ 250,000 | $ 342,000 |
| Orange, Virginia | 1 | $ 200,000 | $ 200,000 | $ 151,000 |
| Petersburg, Virginia | 1 | $ 200,000 | $ 200,000 | $ 50,000 |
| Richmond City, Virginia | 1 | $ 179,000 | $ 179,000 | $ 77,000 |
| King, Washington | 1 | $ 488,000 | $ 488,000 | $ 133,000 |
| Barbour, West Virginia | 1 | $ 150,000 | $ 150,000 | $ 97,000 |
| Berkeley, West Virginia | 1 | $ 160,000 | $ 160,000 | $ 84,000 |
| Braxton, West Virginia | 1 | $ 21,000 | $ 21,000 | $ 60,000 |
| Lewis, West Virginia | 1 | $ 15,000 | $ 15,000 | $ 72,000 |
| Pleasants, West Virginia | 1 | $ 70,000 | $ 70,000 | $ 48,000 |
| Putnam, West Virginia | 1 | $ 165,000 | $ 165,000 | $ 85,000 |
| Pierce, Wisconsin | 1 | $ 140,000 | $ 140,000 | $ 152,000 |
| Waukesha, 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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