Justice Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Justice Federal Credit Union 2009 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 | 970 |
| Total Mortgage Loan Application Amount | $171,798,000 |
| Average Mortgage Loan Application Amount | $177,666 |
| Highest Mortgage Loan Application Amount | $830,000 |
| Average Applicant Income | $118,333 |
| Highest Applicant Income | $1,170,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fairfax County Virginia | 89 | $ 19,474,000 | $ 218,000 | $ 150,000 |
| Prince George's County Maryland | 76 | $ 8,082,000 | $ 106,000 | $ 95,000 |
| District of Columbia County District Of Columbia | 48 | $ 6,582,000 | $ 137,000 | $ 102,000 |
| Harrison County West Virginia | 47 | $ 4,271,000 | $ 90,000 | $ 107,000 |
| Montgomery County Maryland | 46 | $ 10,025,000 | $ 217,000 | $ 166,000 |
| Prince William County Virginia | 28 | $ 5,970,000 | $ 213,000 | $ 118,000 |
| Arlington County Virginia | 21 | $ 6,197,000 | $ 295,000 | $ 160,000 |
| Harris County Texas | 18 | $ 1,807,000 | $ 100,000 | $ 122,000 |
| Stafford County Virginia | 17 | $ 2,966,000 | $ 174,000 | $ 154,000 |
| Marion County West Virginia | 16 | $ 1,112,000 | $ 69,000 | $ 87,000 |
| Anne Arundel County Maryland | 15 | $ 2,406,000 | $ 160,000 | $ 135,000 |
| Charles County Maryland | 13 | $ 1,477,000 | $ 113,000 | $ 111,000 |
| Alexandria County Virginia | 13 | $ 2,941,000 | $ 226,000 | $ 164,000 |
| Los Angeles County California | 12 | $ 1,791,000 | $ 149,000 | $ 161,000 |
| Loudoun County Virginia | 12 | $ 3,695,000 | $ 307,000 | $ 147,000 |
| Monongalia County West Virginia | 10 | $ 1,960,000 | $ 196,000 | $ 113,000 |
| Broward County Florida | 9 | $ 1,042,000 | $ 115,000 | $ 90,000 |
| Miami-Dade County Florida | 8 | $ 1,072,000 | $ 134,000 | $ 108,000 |
| Baltimore County Maryland | 8 | $ 395,000 | $ 49,000 | $ 107,000 |
| Upshur County West Virginia | 8 | $ 738,000 | $ 92,000 | $ 99,000 |
| Frederick County Maryland | 7 | $ 1,576,000 | $ 225,000 | $ 141,000 |
| Howard County Maryland | 7 | $ 1,094,000 | $ 156,000 | $ 142,000 |
| Queens County New York | 7 | $ 1,314,000 | $ 187,000 | $ 108,000 |
| Calvert County Maryland | 6 | $ 1,594,000 | $ 265,000 | $ 138,000 |
| Nassau County New York | 6 | $ 1,745,000 | $ 290,000 | $ 140,000 |
| Spotsylvania County Virginia | 6 | $ 1,095,000 | $ 182,000 | $ 127,000 |
| San Diego County California | 5 | $ 1,241,000 | $ 248,000 | $ 157,000 |
| Orange County California | 4 | $ 803,000 | $ 200,000 | $ 146,000 |
| Baltimore City County Maryland | 4 | $ 294,000 | $ 73,000 | $ 74,000 |
| Carroll County Maryland | 4 | $ 1,306,000 | $ 326,000 | $ 154,000 |
| Essex County New Jersey | 4 | $ 796,000 | $ 199,000 | $ 148,000 |
| Horry County South Carolina | 4 | $ 535,000 | $ 133,000 | $ 114,000 |
| Fauquier County Virginia | 4 | $ 1,009,000 | $ 252,000 | $ 113,000 |
| Raleigh County West Virginia | 4 | $ 405,000 | $ 101,000 | $ 111,000 |
| Middlesex County Connecticut | 3 | $ 744,000 | $ 248,000 | $ 147,000 |
| Collier County Florida | 3 | $ 576,000 | $ 192,000 | $ 146,000 |
| Burlington County New Jersey | 3 | $ 610,000 | $ 203,000 | $ 95,000 |
| Monmouth County New Jersey | 3 | $ 546,000 | $ 182,000 | $ 120,000 |
| Morris County New Jersey | 3 | $ 886,000 | $ 295,000 | $ 137,000 |
| Ocean County New Jersey | 3 | $ 611,000 | $ 203,000 | $ 105,000 |
| Erie County New York | 3 | $ 490,000 | $ 163,000 | $ 197,000 |
| Orange County New York | 3 | $ 560,000 | $ 186,000 | $ 198,000 |
| Suffolk County New York | 3 | $ 636,000 | $ 212,000 | $ 140,000 |
| Mecklenburg County North Carolina | 3 | $ 198,000 | $ 66,000 | $ 65,000 |
| Delaware County Pennsylvania | 3 | $ 670,000 | $ 223,000 | $ 156,000 |
| Montgomery County Texas | 3 | $ 272,000 | $ 90,000 | $ 92,000 |
| Doddridge County West Virginia | 3 | $ 326,000 | $ 108,000 | $ 150,000 |
| Lewis County West Virginia | 3 | $ 496,000 | $ 165,000 | $ 130,000 |
| Taylor County West Virginia | 3 | $ 337,000 | $ 112,000 | $ 134,000 |
| Baldwin County Alabama | 2 | $ 510,000 | $ 255,000 | $ 51,000 |
| Maricopa County Arizona | 2 | $ 307,000 | $ 153,000 | $ 59,000 |
| Fresno County California | 2 | $ 676,000 | $ 338,000 | $ 160,000 |
| Ventura County California | 2 | $ 1,042,000 | $ 521,000 | $ 101,000 |
| Fairfield County Connecticut | 2 | $ 310,000 | $ 155,000 | $ 71,000 |
| New Haven County Connecticut | 2 | $ 640,000 | $ 320,000 | $ 138,000 |
| Sussex County Delaware | 2 | $ 492,000 | $ 246,000 | $ 624,000 |
| Leon County Florida | 2 | $ 175,000 | $ 87,000 | $ 108,000 |
| Palm Beach County Florida | 2 | $ 277,000 | $ 138,000 | $ 123,000 |
| Chatham County Georgia | 2 | $ 179,000 | $ 89,000 | $ 71,000 |
| Glynn County Georgia | 2 | $ 623,000 | $ 311,000 | $ 93,000 |
| Gwinnett County Georgia | 2 | $ 835,000 | $ 417,000 | $ 203,000 |
| Ada County Idaho | 2 | $ 343,000 | $ 171,000 | $ 115,000 |
| Hamilton County Indiana | 2 | $ 185,000 | $ 92,000 | $ 217,000 |
| St. Helena County Louisiana | 2 | $ 11,000 | $ 5,000 | $ 25,000 |
| St. Mary's County Maryland | 2 | $ 262,000 | $ 131,000 | $ 105,000 |
| Middlesex County Massachusetts | 2 | $ 245,000 | $ 122,000 | $ 94,000 |
| Hudson County New Jersey | 2 | $ 669,000 | $ 334,000 | $ 196,000 |
| Albany County New York | 2 | $ 544,000 | $ 272,000 | $ 163,000 |
| Kings County New York | 2 | $ 855,000 | $ 427,000 | $ 373,000 |
| New York County New York | 2 | $ 31,000 | $ 15,000 | $ 103,000 |
| Richmond County New York | 2 | $ 185,000 | $ 92,000 | $ 83,000 |
| Rockland County New York | 2 | $ 472,000 | $ 236,000 | $ 162,000 |
| Westchester County New York | 2 | $ 270,000 | $ 135,000 | $ 124,000 |
| Brunswick County North Carolina | 2 | $ 197,000 | $ 98,000 | $ 63,000 |
| Nash County North Carolina | 2 | $ 132,000 | $ 66,000 | $ 52,000 |
| Columbiana County Ohio | 2 | $ 51,000 | $ 25,000 | $ 70,000 |
| Allegheny County Pennsylvania | 2 | $ 31,000 | $ 15,000 | $ 99,000 |
| Bucks County Pennsylvania | 2 | $ 460,000 | $ 230,000 | $ 168,000 |
| Lackawanna County Pennsylvania | 2 | $ 251,000 | $ 125,000 | $ 65,000 |
| Dallas County Texas | 2 | $ 193,000 | $ 96,000 | $ 128,000 |
| El Paso County Texas | 2 | $ 495,000 | $ 247,000 | $ 127,000 |
| Caroline County Virginia | 2 | $ 214,000 | $ 107,000 | $ 96,000 |
| Dinwiddie County Virginia | 2 | $ 20,000 | $ 10,000 | $ 49,000 |
| Lancaster County Virginia | 2 | $ 82,000 | $ 41,000 | $ 71,000 |
| Barbour County West Virginia | 2 | $ 290,000 | $ 145,000 | $ 98,000 |
| Randolph County West Virginia | 2 | $ 222,000 | $ 111,000 | $ 95,000 |
| Ritchie County West Virginia | 2 | $ 20,000 | $ 10,000 | $ 42,000 |
| Summers County West Virginia | 2 | $ 159,000 | $ 79,000 | $ 72,000 |
| Crenshaw County Alabama | 1 | $ 10,000 | $ 10,000 | $ 64,000 |
| Crittenden County Arkansas | 1 | $ 3,000 | $ 3,000 | $ 29,000 |
| Sebastian County Arkansas | 1 | $ 55,000 | $ 55,000 | $ 135,000 |
| Placer County California | 1 | $ 336,000 | $ 336,000 | $ 100,000 |
| Sacramento County California | 1 | $ 344,000 | $ 344,000 | $ 166,000 |
| Solano County California | 1 | $ 40,000 | $ 40,000 | $ 49,000 |
| Yolo County California | 1 | $ 300,000 | $ 300,000 | $ 174,000 |
| Archuleta County Colorado | 1 | $ 150,000 | $ 150,000 | $ 83,000 |
| Boulder County Colorado | 1 | $ 313,000 | $ 313,000 | $ 203,000 |
| Denver County Colorado | 1 | $ 245,000 | $ 245,000 | $ 136,000 |
| Douglas County Colorado | 1 | $ 375,000 | $ 375,000 | $ 118,000 |
| Jefferson County Colorado | 1 | $ 417,000 | $ 417,000 | $ 126,000 |
| Larimer County Colorado | 1 | $ 300,000 | $ 300,000 | $ 113,000 |
| Pueblo County Colorado | 1 | $ 212,000 | $ 212,000 | $ 177,000 |
| Hartford County Connecticut | 1 | $ 190,000 | $ 190,000 | $ 84,000 |
| Charlotte County Florida | 1 | $ 25,000 | $ 25,000 | $ 63,000 |
| Duval County Florida | 1 | $ 38,000 | $ 38,000 | $ 65,000 |
| Manatee County Florida | 1 | $ 312,000 | $ 312,000 | $ 140,000 |
| Marion County Florida | 1 | $ 5,000 | $ 5,000 | $ 178,000 |
| Martin County Florida | 1 | $ 50,000 | $ 50,000 | $ 64,000 |
| Orange County Florida | 1 | $ 40,000 | $ 40,000 | $ 63,000 |
| Pasco County Florida | 1 | $ 270,000 | $ 270,000 | $ 105,000 |
| Sarasota County Florida | 1 | $ 106,000 | $ 106,000 | $ 97,000 |
| Seminole County Florida | 1 | $ 150,000 | $ 150,000 | $ 115,000 |
| Clayton County Georgia | 1 | $ 12,000 | $ 12,000 | $ 58,000 |
| Fulton County Georgia | 1 | $ 380,000 | $ 380,000 | $ 195,000 |
| Hall County Georgia | 1 | $ 94,000 | $ 94,000 | $ 145,000 |
| Tattnall County Georgia | 1 | $ 40,000 | $ 40,000 | $ 47,000 |
| Wayne County Georgia | 1 | $ 40,000 | $ 40,000 | $ 45,000 |
| Cook County Illinois | 1 | $ 305,000 | $ 305,000 | $ 133,000 |
| DuPage County Illinois | 1 | $ 36,000 | $ 36,000 | $ 90,000 |
| Jo Daviess County Illinois | 1 | $ 10,000 | $ 10,000 | $ 71,000 |
| Lake County Illinois | 1 | $ 142,000 | $ 142,000 | $ 105,000 |
| Williamson County Illinois | 1 | $ 255,000 | $ 255,000 | $ 120,000 |
| Woodford County Illinois | 1 | $ 197,000 | $ 197,000 | $ 91,000 |
| Lake County Indiana | 1 | $ 265,000 | $ 265,000 | $ 155,000 |
| Marion County Indiana | 1 | $ 146,000 | $ 146,000 | $ 91,000 |
| Johnson County Kansas | 1 | $ 279,000 | $ 279,000 | $ 84,000 |
| Casey County Kentucky | 1 | $ 30,000 | $ 30,000 | $ 153,000 |
| Harlan County Kentucky | 1 | $ 6,000 | $ 6,000 | $ 47,000 |
| Kenton County Kentucky | 1 | $ 20,000 | $ 20,000 | $ 58,000 |
| St. Tammany County Louisiana | 1 | $ 3,000 | $ 3,000 | $ 134,000 |
| Aroostook County Maine | 1 | $ 120,000 | $ 120,000 | $ 218,000 |
| Cecil County Maryland | 1 | $ 417,000 | $ 417,000 | $ 153,000 |
| Kent County Maryland | 1 | $ 410,000 | $ 410,000 | $ 175,000 |
| Queen Anne's County Maryland | 1 | $ 20,000 | $ 20,000 | $ 78,000 |
| Washington County Maryland | 1 | $ 81,000 | $ 81,000 | $ 37,000 |
| Dukes County Massachusetts | 1 | $ 273,000 | $ 273,000 | $ 193,000 |
| Berrien County Michigan | 1 | $ 120,000 | $ 120,000 | $ 113,000 |
| St. Charles County Missouri | 1 | $ 166,000 | $ 166,000 | $ 138,000 |
| St. Louis County Missouri | 1 | $ 224,000 | $ 224,000 | $ 82,000 |
| Jefferson County Montana | 1 | $ 184,000 | $ 184,000 | $ 97,000 |
| Clark County Nevada | 1 | $ 25,000 | $ 25,000 | $ 84,000 |
| Elko County Nevada | 1 | $ 35,000 | $ 35,000 | $ 149,000 |
| Hillsborough County New Hampshire | 1 | $ 200,000 | $ 200,000 | $ 83,000 |
| Bergen County New Jersey | 1 | $ 363,000 | $ 363,000 | $ 169,000 |
| Cape May County New Jersey | 1 | $ 114,000 | $ 114,000 | $ 134,000 |
| Cumberland County New Jersey | 1 | $ 3,000 | $ 3,000 | $ 94,000 |
| Mercer County New Jersey | 1 | $ 23,000 | $ 23,000 | $ 80,000 |
| Middlesex County New Jersey | 1 | $ 286,000 | $ 286,000 | $ 170,000 |
| Passaic County New Jersey | 1 | $ 137,000 | $ 137,000 | $ 96,000 |
| Salem County New Jersey | 1 | $ 255,000 | $ 255,000 | $ 129,000 |
| Somerset County New Jersey | 1 | $ 250,000 | $ 250,000 | $ 80,000 |
| Warren County New Jersey | 1 | $ 390,000 | $ 390,000 | $ 238,000 |
| Bernalillo County New Mexico | 1 | $ 135,000 | $ 135,000 | $ 58,000 |
| Bronx County New York | 1 | $ 2,000 | $ 2,000 | $ 40,000 |
| Dutchess County New York | 1 | $ 20,000 | $ 20,000 | $ 103,000 |
| Madison County New York | 1 | $ 32,000 | $ 32,000 | $ 120,000 |
| Ashe County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 251,000 |
| Beaufort County North Carolina | 1 | $ 128,000 | $ 128,000 | $ 67,000 |
| Chowan County North Carolina | 1 | $ 110,000 | $ 110,000 | $ 44,000 |
| Edgecombe County North Carolina | 1 | $ 230,000 | $ 230,000 | $ 111,000 |
| Granville County North Carolina | 1 | $ 20,000 | $ 20,000 | $ 77,000 |
| Guilford County North Carolina | 1 | $ 20,000 | $ 20,000 | $ 68,000 |
| Henderson County North Carolina | 1 | $ 320,000 | $ 320,000 | $ 269,000 |
| New Hanover County North Carolina | 1 | $ 293,000 | $ 293,000 | $ 139,000 |
| Rockingham County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 109,000 |
| Wake County North Carolina | 1 | $ 231,000 | $ 231,000 | $ 81,000 |
| Cuyahoga County Ohio | 1 | $ 100,000 | $ 100,000 | $ 138,000 |
| Franklin County Ohio | 1 | $ 50,000 | $ 50,000 | $ 44,000 |
| Mahoning County Ohio | 1 | $ 120,000 | $ 120,000 | $ 125,000 |
| Miami County Ohio | 1 | $ 186,000 | $ 186,000 | $ 154,000 |
| Canadian County Oklahoma | 1 | $ 3,000 | $ 3,000 | $ 147,000 |
| Oklahoma County Oklahoma | 1 | $ 74,000 | $ 74,000 | $ 48,000 |
| Adams County Pennsylvania | 1 | $ 69,000 | $ 69,000 | $ 60,000 |
| Berks County Pennsylvania | 1 | $ 30,000 | $ 30,000 | $ 104,000 |
| Butler County Pennsylvania | 1 | $ 172,000 | $ 172,000 | $ 149,000 |
| Cambria County Pennsylvania | 1 | $ 250,000 | $ 250,000 | $ 185,000 |
| Franklin County Pennsylvania | 1 | $ 411,000 | $ 411,000 | $ 234,000 |
| Lycoming County Pennsylvania | 1 | $ 59,000 | $ 59,000 | $ 108,000 |
| Philadelphia County Pennsylvania | 1 | $ 6,000 | $ 6,000 | $ 52,000 |
| Union County Pennsylvania | 1 | $ 4,000 | $ 4,000 | $ 120,000 |
| Washington County Pennsylvania | 1 | $ 8,000 | $ 8,000 | $ 115,000 |
| Wayne County Pennsylvania | 1 | $ 97,000 | $ 97,000 | $ 47,000 |
| York County Pennsylvania | 1 | $ 187,000 | $ 187,000 | $ 68,000 |
| Charleston County South Carolina | 1 | $ 226,000 | $ 226,000 | $ 172,000 |
| Georgetown County South Carolina | 1 | $ 300,000 | $ 300,000 | $ 142,000 |
| Marlboro County South Carolina | 1 | $ 5,000 | $ 5,000 | $ 62,000 |
| Richland County South Carolina | 1 | $ 35,000 | $ 35,000 | $ 130,000 |
| Knox County Tennessee | 1 | $ 131,000 | $ 131,000 | $ 68,000 |
| Shelby County Tennessee | 1 | $ 5,000 | $ 5,000 | $ 65,000 |
| Bexar County Texas | 1 | $ 141,000 | $ 141,000 | $ 97,000 |
| Comal County Texas | 1 | $ 290,000 | $ 290,000 | $ 158,000 |
| Denton County Texas | 1 | $ 190,000 | $ 190,000 | $ 107,000 |
| Galveston County Texas | 1 | $ 263,000 | $ 263,000 | $ 231,000 |
| Hidalgo County Texas | 1 | $ 141,000 | $ 141,000 | $ 143,000 |
| Jefferson County Texas | 1 | $ 2,000 | $ 2,000 | $ 52,000 |
| Tarrant County Texas | 1 | $ 12,000 | $ 12,000 | $ 73,000 |
| Orange County Vermont | 1 | $ 105,000 | $ 105,000 | $ 134,000 |
| Rutland County Vermont | 1 | $ 120,000 | $ 120,000 | $ 71,000 |
| Albemarle County Virginia | 1 | $ 186,000 | $ 186,000 | $ 338,000 |
| Augusta County Virginia | 1 | $ 80,000 | $ 80,000 | $ 163,000 |
| Chesapeake County Virginia | 1 | $ 75,000 | $ 75,000 | $ 111,000 |
| Clarke County Virginia | 1 | $ 205,000 | $ 205,000 | $ 97,000 |
| Culpeper County Virginia | 1 | $ 5,000 | $ 5,000 | $ 171,000 |
| Falls Church County Virginia | 1 | $ 124,000 | $ 124,000 | $ 78,000 |
| Franklin County Virginia | 1 | $ 250,000 | $ 250,000 | $ 67,000 |
| Fredericksburg County Virginia | 1 | $ 288,000 | $ 288,000 | $ 114,000 |
| Louisa County Virginia | 1 | $ 30,000 | $ 30,000 | $ 87,000 |
| Manassas Park County Virginia | 1 | $ 250,000 | $ 250,000 | $ 155,000 |
| Mecklenburg County Virginia | 1 | $ 6,000 | $ 6,000 | $ 52,000 |
| Newport News County Virginia | 1 | $ 100,000 | $ 100,000 | $ 56,000 |
| Orange County Virginia | 1 | $ 30,000 | $ 30,000 | $ 85,000 |
| Page County Virginia | 1 | $ 145,000 | $ 145,000 | $ 163,000 |
| Petersburg County Virginia | 1 | $ 2,000 | $ 2,000 | $ 35,000 |
| Warren County Virginia | 1 | $ 6,000 | $ 6,000 | $ 106,000 |
| Winchester County Virginia | 1 | $ 179,000 | $ 179,000 | $ 195,000 |
| King County Washington | 1 | $ 345,000 | $ 345,000 | $ 121,000 |
| Pierce County Washington | 1 | $ 12,000 | $ 12,000 | $ 66,000 |
| Stevens County Washington | 1 | $ 10,000 | $ 10,000 | $ 56,000 |
| Thurston County Washington | 1 | $ 177,000 | $ 177,000 | $ 177,000 |
| Braxton County West Virginia | 1 | $ 24,000 | $ 24,000 | $ 49,000 |
| Greenbrier County West Virginia | 1 | $ 74,000 | $ 74,000 | $ 93,000 |
| Hampshire County West Virginia | 1 | $ 14,000 | $ 14,000 | $ 73,000 |
| Jefferson County West Virginia | 1 | $ 142,000 | $ 142,000 | $ 87,000 |
| Kanawha County West Virginia | 1 | $ 65,000 | $ 65,000 | $ 40,000 |
| Pocahontas County West Virginia | 1 | $ 60,000 | $ 60,000 | $ 177,000 |
| Preston County West Virginia | 1 | $ 262,000 | $ 262,000 | $ 167,000 |
| Washington County Wisconsin | 1 | $ 340,000 | $ 340,000 | $ 161,000 |
Mortgage Loan Application Detail Totals for Justice Federal Credit Union in 2009
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 | 474 | $116,268,000 | $245,000 | $625,000 | $140,000 | $1,170,000 |
| Home Improvement | 319 | $9,922,000 | $31,000 | $250,000 | $101,000 | $367,000 |
| Home Purchase | 177 | $45,608,000 | $257,000 | $830,000 | $114,000 | $663,000 |
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 | 419 | $93,846,000 | $223,000 | $830,000 | $132,000 | $1,170,000 |
| Not Provided | 378 | $39,878,000 | $105,000 | $800,000 | $113,000 | $395,000 |
| Black or African American | 102 | $20,383,000 | $199,000 | $625,000 | $113,000 | $367,000 |
| Hispanic | 35 | $8,056,000 | $230,000 | $416,000 | $116,000 | $221,000 |
| Asian | 33 | $9,181,000 | $278,000 | $417,000 | $141,000 | $324,000 |
| American Indian or Alaskan Native | 2 | $214,000 | $107,000 | $134,000 | $55,000 | $63,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $240,000 | $240,000 | $240,000 | $85,000 | $85,000 |
| 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) | 970 | $171,798,000 | $177,000 | $830,000 | $122,000 | $1,170,000 |
| 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 | 480 | $76,842,000 | $160,000 | $800,000 | $127,000 | $395,000 |
| Application Withdrawn By Applicant | 143 | $31,357,000 | $219,000 | $545,000 | $130,000 | $374,000 |
| Application Denied By Financial Institution | 104 | $9,496,000 | $91,000 | $487,000 | $90,000 | $191,000 |
| Preapproval Approved but not Accepted | 83 | $23,623,000 | $284,000 | $750,000 | $112,000 | $341,000 |
| Application Approved But Not Accepted | 75 | $17,525,000 | $233,000 | $830,000 | $153,000 | $1,170,000 |
| File Closed For Incompleteness | 62 | $8,676,000 | $139,000 | $660,000 | $109,000 | $250,000 |
| Preapproval Denied by Financial Institution | 23 | $4,279,000 | $186,000 | $375,000 | $84,000 | $212,000 |
| 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 | 71 | $8,012,000 | $112,000 | $487,000 | $97,000 | $212,000 |
| Debt-To-Income Ratio | 34 | $2,596,000 | $76,000 | $370,000 | $83,000 | $187,000 |
| Collateral | 9 | $1,376,000 | $152,000 | $305,000 | $92,000 | $153,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $976,000 | $162,000 | $200,000 | $58,000 | $92,000 |
| Other | 5 | $499,000 | $99,000 | $235,000 | $67,000 | $120,000 |
| Mortgage Insurance Denied | 1 | $181,000 | $181,000 | $181,000 | $72,000 | $72,000 |
| Employment History | 1 | $135,000 | $135,000 | $135,000 | $51,000 | $51,000 |
| Credit Application Incomplete | 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 2009 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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