Justice Federal Credit Union Mortgage Lending & HMDA Data, 2011

In 2011, Justice Federal Credit Union of Chantilly, VA reported 1,134 mortgage applications totaling $151.7 million, up 32% from 2010. The average application was for $133,768, and applicants reported an average income of $114,253. 42% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (387), Baltimore-Towson, MD (56) and Bethesda-Rockville-Frederick, MD (44) (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
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Total Number of Mortgage Applications 1,134
Total Mortgage Loan Application Amount $151,694,000
Average Mortgage Loan Application Amount $133,768
Highest Mortgage Loan Application Amount $720,000
Average Applicant Income $114,253
Highest Applicant Income $486,000

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records Justice Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Justice Federal Credit Union by County in 2011

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 89 $ 5,939,000 $ 66,730 $ 100,000
Fairfax, Virginia 76 $ 12,477,000 $ 164,171 $ 149,000
District of Columbia, District Of Columbia 68 $ 7,065,000 $ 103,897 $ 109,000
Harrison, West Virginia 51 $ 3,194,000 $ 62,627 $ 104,000
Montgomery, Maryland 38 $ 5,855,000 $ 154,078 $ 158,000
Prince William, Virginia 34 $ 4,880,000 $ 143,529 $ 122,000
Anne Arundel, Maryland 25 $ 3,570,000 $ 142,800 $ 147,000
Harris, Texas 24 $ 1,389,000 $ 57,875 $ 91,000
Arlington, Virginia 21 $ 5,304,000 $ 252,571 $ 211,000
Stafford, Virginia 21 $ 2,084,000 $ 99,238 $ 127,000
Charles, Maryland 19 $ 549,000 $ 28,894 $ 102,000
Los Angeles, California 18 $ 931,000 $ 51,722 $ 96,000
Spotsylvania, Virginia 17 $ 1,667,000 $ 98,058 $ 112,000
Marion, West Virginia 16 $ 878,000 $ 54,875 $ 83,000
Alexandria, Virginia 14 $ 1,522,000 $ 108,714 $ 143,000
Taylor, West Virginia 13 $ 666,000 $ 51,230 $ 81,000
Baltimore, Maryland 12 $ 509,000 $ 42,416 $ 93,000
Calvert, Maryland 11 $ 781,000 $ 71,000 $ 115,000
Broward, Florida 10 $ 1,207,000 $ 120,700 $ 105,000
Baltimore City, Maryland 9 $ 326,000 $ 36,222 $ 83,000
Miami-Dade, Florida 8 $ 632,000 $ 79,000 $ 72,000
Kings, New York 8 $ 387,000 $ 48,375 $ 91,000
Loudoun, Virginia 8 $ 1,488,000 $ 186,000 $ 127,000
Upshur, West Virginia 7 $ 530,000 $ 75,714 $ 74,000
Frederick, Maryland 6 $ 1,159,000 $ 193,166 $ 130,000
Howard, Maryland 6 $ 369,000 $ 61,500 $ 156,000
San Diego, California 5 $ 1,137,000 $ 227,400 $ 111,000
Monmouth, New Jersey 5 $ 881,000 $ 176,200 $ 113,000
Bronx, New York 5 $ 88,000 $ 17,600 $ 83,000
Nassau, New York 5 $ 823,000 $ 164,600 $ 143,000
Doddridge, West Virginia 5 $ 241,000 $ 48,200 $ 78,000
Clark, Nevada 4 $ 333,000 $ 83,250 $ 83,000
Wake, North Carolina 4 $ 632,000 $ 158,000 $ 78,000
Raleigh, West Virginia 4 $ 287,000 $ 71,750 $ 90,000
Fairfield, Connecticut 3 $ 342,000 $ 114,000 $ 262,000
Washoe, Nevada 3 $ 280,000 $ 93,333 $ 82,000
Queens, New York 3 $ 23,000 $ 7,666 $ 99,000
Allegheny, Pennsylvania 3 $ 75,000 $ 25,000 $ 122,000
Hampton, South Carolina 3 $ 96,000 $ 32,000 $ 75,000
Chesterfield, Virginia 3 $ 14,000 $ 4,666 $ 89,000
Culpeper, Virginia 3 $ 433,000 $ 144,333 $ 106,000
Frederick, Virginia 3 $ 100,000 $ 33,333 $ 74,000
Fredericksburg, Virginia 3 $ 718,000 $ 239,333 $ 152,000
Henrico, Virginia 3 $ 308,000 $ 102,666 $ 85,000
Barbour, West Virginia 3 $ 18,000 $ 6,000 $ 91,000
Monongalia, West Virginia 3 $ 536,000 $ 178,666 $ 91,000
Preston, West Virginia 3 $ 162,000 $ 54,000 $ 75,000
Jefferson, Alabama 2 $ 7,000 $ 3,500 $ 28,000
Orange, California 2 $ 113,000 $ 56,500 $ 175,000
Sacramento, California 2 $ 25,000 $ 12,500 $ 98,000
San Bernardino, California 2 $ 225,000 $ 112,500 $ 208,000
Ventura, California 2 $ 628,000 $ 314,000 $ 152,000
New Haven, Connecticut 2 $ 564,000 $ 282,000 $ 156,000
Polk, Florida 2 $ 190,000 $ 95,000 $ 107,000
Chatham, Georgia 2 $ 6,000 $ 3,000 $ 65,000
Effingham, Georgia 2 $ 24,000 $ 12,000 $ 50,000
Evans, Georgia 2 $ 62,000 $ 31,000 $ 52,000
Gwinnett, Georgia 2 $ 27,000 $ 13,500 $ 94,000
Carroll, Maryland 2 $ 705,000 $ 352,500 $ 74,000
St. Mary's, Maryland 2 $ 107,000 $ 53,500 $ 82,000
Wayne, Michigan 2 $ 170,000 $ 85,000 $ 145,000
Essex, New Jersey 2 $ 79,000 $ 39,500 $ 70,000
Middlesex, New Jersey 2 $ 36,000 $ 18,000 $ 77,000
Sussex, New Jersey 2 $ 58,000 $ 29,000 $ 136,000
Westchester, New York 2 $ 245,000 $ 122,500 $ 92,000
Greene, Pennsylvania 2 $ 46,000 $ 23,000 $ 121,000
Aguada, Puerto Rico 2 $ 10,000 $ 5,000 $ 106,000
Shelby, Tennessee 2 $ 112,000 $ 56,000 $ 135,000
Fauquier, Virginia 2 $ 533,000 $ 266,500 $ 101,000
Jefferson, West Virginia 2 $ 234,000 $ 117,000 $ 115,000
Ritchie, West Virginia 2 $ 40,000 $ 20,000 $ 115,000
Madison, Alabama 1 $ 336,000 $ 336,000 $ 157,000
Mobile, Alabama 1 $ 176,000 $ 176,000 $ 249,000
Montgomery, Alabama 1 $ 34,000 $ 34,000 $ 41,000
Maricopa, Arizona 1 $ 176,000 $ 176,000 $ 89,000
Pima, Arizona 1 $ 1,000 $ 1,000 $ 101,000
Ashley, Arkansas 1 $ 10,000 $ 10,000 $ 85,000
Baxter, Arkansas 1 $ 40,000 $ 40,000 $ 25,000
Garland, Arkansas 1 $ 5,000 $ 5,000 $ 72,000
Lee, Arkansas 1 $ 10,000 $ 10,000 $ 67,000
Riverside, California 1 $ 10,000 $ 10,000 $ 118,000
San Mateo, California 1 $ 385,000 $ 385,000 $ 155,000
Adams, Colorado 1 $ 2,000 $ 2,000 $ 60,000
Denver, Colorado 1 $ 6,000 $ 6,000 $ 43,000
Jefferson, Colorado 1 $ 15,000 $ 15,000 $ 151,000
Collier, Florida 1 $ 266,000 $ 266,000 $ 196,000
Hillsborough, Florida 1 $ 144,000 $ 144,000 $ 155,000
Lake, Florida 1 $ 188,000 $ 188,000 $ 82,000
Orange, Florida 1 $ 20,000 $ 20,000 $ 75,000
Pinellas, Florida 1 $ 720,000 $ 720,000 $ 175,000
Sarasota, Florida 1 $ 5,000 $ 5,000 $ 58,000
Clayton, Georgia 1 $ 8,000 $ 8,000 $ 120,000
Douglas, Georgia 1 $ 15,000 $ 15,000 $ 61,000
Glynn, Georgia 1 $ 128,000 $ 128,000 $ 121,000
Harris, Georgia 1 $ 114,000 $ 114,000 $ 118,000
Wayne, Georgia 1 $ 20,000 $ 20,000 $ 52,000
Ada, Idaho 1 $ 21,000 $ 21,000 $ 72,000
Will, Illinois 1 $ 27,000 $ 27,000 $ 132,000
Pulaski, Kentucky 1 $ 16,000 $ 16,000 $ 66,000
Orleans, Louisiana 1 $ 106,000 $ 106,000 $ 73,000
Cumberland, Maine 1 $ 16,000 $ 16,000 $ 50,000
Lincoln, Maine 1 $ 84,000 $ 84,000 $ 346,000
Harford, Maryland 1 $ 15,000 $ 15,000 $ 89,000
Kent, Maryland 1 $ 167,000 $ 167,000 $ 146,000
Queen Anne's, Maryland 1 $ 15,000 $ 15,000 $ 94,000
Wicomico, Maryland 1 $ 355,000 $ 355,000 $ 86,000
Worcester, Maryland 1 $ 304,000 $ 304,000 $ 202,000
Suffolk, Massachusetts 1 $ 233,000 $ 233,000 $ 195,000
Kent, Michigan 1 $ 55,000 $ 55,000 $ 232,000
St. Louis, Minnesota 1 $ 26,000 $ 26,000 $ 217,000
Sharkey, Mississippi 1 $ 8,000 $ 8,000 $ 70,000
Daniels, Montana 1 $ 5,000 $ 5,000 $ 47,000
Cedar, Nebraska 1 $ 53,000 $ 53,000 $ 81,000
Bergen, New Jersey 1 $ 50,000 $ 50,000 $ 192,000
Camden, New Jersey 1 $ 5,000 $ 5,000 $ 65,000
Hudson, New Jersey 1 $ 291,000 $ 291,000 $ 72,000
Morris, New Jersey 1 $ 8,000 $ 8,000 $ 152,000
Ocean, New Jersey 1 $ 10,000 $ 10,000 $ 57,000
Union, New Jersey 1 $ 90,000 $ 90,000 $ 190,000
Albany, New York 1 $ 220,000 $ 220,000 $ 135,000
Cortland, New York 1 $ 329,000 $ 329,000 $ 130,000
Dutchess, New York 1 $ 4,000 $ 4,000 $ 21,000
Livingston, New York 1 $ 100,000 $ 100,000 $ 75,000
Orange, New York 1 $ 65,000 $ 65,000 $ 195,000
Richmond, New York 1 $ 8,000 $ 8,000 $ 85,000
Steuben, New York 1 $ 30,000 $ 30,000 $ 114,000
Sullivan, New York 1 $ 7,000 $ 7,000 $ 68,000
Brunswick, North Carolina 1 $ 85,000 $ 85,000 $ 195,000
Buncombe, North Carolina 1 $ 100,000 $ 100,000 $ 105,000
Craven, North Carolina 1 $ 125,000 $ 125,000 $ 69,000
Henderson, North Carolina 1 $ 417,000 $ 417,000 $ 226,000
New Hanover, North Carolina 1 $ 180,000 $ 180,000 $ 105,000
Pender, North Carolina 1 $ 30,000 $ 30,000 $ 66,000
Robeson, North Carolina 1 $ 1,000 $ 1,000 $ 50,000
Union, North Carolina 1 $ 383,000 $ 383,000 $ 131,000
Warren, North Carolina 1 $ 110,000 $ 110,000 $ 40,000
Wilson, North Carolina 1 $ 46,000 $ 46,000 $ 104,000
Hamilton, Ohio 1 $ 15,000 $ 15,000 $ 155,000
Washington, Ohio 1 $ 39,000 $ 39,000 $ 125,000
Oklahoma, Oklahoma 1 $ 10,000 $ 10,000 $ 46,000
Adams, Pennsylvania 1 $ 15,000 $ 15,000 $ 105,000
Blair, Pennsylvania 1 $ 90,000 $ 90,000 $ 92,000
Cambria, Pennsylvania 1 $ 90,000 $ 90,000 $ 46,000
Carbon, Pennsylvania 1 $ 27,000 $ 27,000 $ 120,000
Dauphin, Pennsylvania 1 $ 15,000 $ 15,000 $ 63,000
Indiana, Pennsylvania 1 $ 31,000 $ 31,000 $ 350,000
Lackawanna, Pennsylvania 1 $ 35,000 $ 35,000 $ 71,000
Montgomery, Pennsylvania 1 $ 245,000 $ 245,000 $ 136,000
Philadelphia, Pennsylvania 1 $ 80,000 $ 80,000 $ 154,000
Washington, Pennsylvania 1 $ 41,000 $ 41,000 $ 242,000
Wayne, Pennsylvania 1 $ 7,000 $ 7,000 $ 71,000
Westmoreland, Pennsylvania 1 $ 63,000 $ 63,000 $ 205,000
York, Pennsylvania 1 $ 10,000 $ 10,000 $ 140,000
Berkeley, South Carolina 1 $ 200,000 $ 200,000 $ 109,000
Georgetown, South Carolina 1 $ 265,000 $ 265,000 $ 92,000
Horry, South Carolina 1 $ 98,000 $ 98,000 $ 175,000
Orangeburg, South Carolina 1 $ 143,000 $ 143,000 $ 220,000
Richland, South Carolina 1 $ 199,000 $ 199,000 $ 160,000
Anderson, Tennessee 1 $ 162,000 $ 162,000 $ 110,000
Davidson, Tennessee 1 $ 133,000 $ 133,000 $ 40,000
Rutherford, Tennessee 1 $ 4,000 $ 4,000 $ 84,000
Bexar, Texas 1 $ 77,000 $ 77,000 $ 215,000
Dallas, Texas 1 $ 5,000 $ 5,000 $ 193,000
Fort Bend, Texas 1 $ 3,000 $ 3,000 $ 55,000
Gillespie, Texas 1 $ 100,000 $ 100,000 $ 41,000
Kaufman, Texas 1 $ 250,000 $ 250,000 $ 120,000
Tarrant, Texas 1 $ 190,000 $ 190,000 $ 221,000
Rutland, Vermont 1 $ 170,000 $ 170,000 $ 89,000
Albemarle, Virginia 1 $ 40,000 $ 40,000 $ 46,000
Brunswick, Virginia 1 $ 142,000 $ 142,000 $ 99,000
Dinwiddie, Virginia 1 $ 120,000 $ 120,000 $ 163,000
Hampton, Virginia 1 $ 55,000 $ 55,000 $ 63,000
Hanover, Virginia 1 $ 291,000 $ 291,000 $ 120,000
Louisa, Virginia 1 $ 299,000 $ 299,000 $ 102,000
Manassas, Virginia 1 $ 13,000 $ 13,000 $ 34,000
Manassas Park, Virginia 1 $ 34,000 $ 34,000 $ 95,000
Nelson, Virginia 1 $ 120,000 $ 120,000 $ 155,000
Norfolk, Virginia 1 $ 225,000 $ 225,000 $ 120,000
Orange, Virginia 1 $ 204,000 $ 204,000 $ 126,000
Petersburg, Virginia 1 $ 6,000 $ 6,000 $ 171,000
Roanoke, Virginia 1 $ 233,000 $ 233,000 $ 136,000
Shenandoah, Virginia 1 $ 150,000 $ 150,000 $ 110,000
Westmoreland, Virginia 1 $ 20,000 $ 20,000 $ 124,000
Berkeley, West Virginia 1 $ 20,000 $ 20,000 $ 103,000
Braxton, West Virginia 1 $ 75,000 $ 75,000 $ 180,000
Greenbrier, West Virginia 1 $ 136,000 $ 136,000 $ 106,000
Hampshire, West Virginia 1 $ 13,000 $ 13,000 $ 80,000
Monroe, West Virginia 1 $ 135,000 $ 135,000 $ 75,000
Wetzel, West Virginia 1 $ 3,000 $ 3,000 $ 56,000

Mortgage Loan Application Detail Totals for Justice Federal Credit Union in 2011

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 506 $12,768,000 $25,000 $250,000 $103,000 $486,000
Home Purchase 345 $80,864,000 $234,000 $720,000 $108,000 $285,000
Refinancing 283 $58,062,000 $205,000 $677,000 $142,000 $434,000

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 548 $42,918,000 $78,000 $720,000 $106,000 $434,000
White 399 $74,170,000 $185,000 $720,000 $128,000 $420,000
Black or African American 118 $20,169,000 $170,000 $550,000 $105,000 $246,000
Hispanic 37 $6,469,000 $174,000 $345,000 $108,000 $486,000
Asian 23 $5,956,000 $258,000 $677,000 $126,000 $221,000
American Indian or Alaskan Native 5 $992,000 $198,000 $275,000 $116,000 $201,000
Native Hawaiian or Other Pacific Islander 4 $1,020,000 $255,000 $291,000 $134,000 $163,000
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) 1,134 $151,694,000 $133,000 $720,000 $114,000 $486,000
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 473 $41,120,000 $86,000 $720,000 $118,000 $486,000
Application Denied By Financial Institution 170 $12,435,000 $73,000 $598,000 $91,000 $270,000
Application Withdrawn By Applicant 127 $24,377,000 $191,000 $640,000 $132,000 $404,000
Preapproval Approved but not Accepted 103 $27,479,000 $266,000 $720,000 $118,000 $277,000
File Closed For Incompleteness 96 $18,577,000 $193,000 $566,000 $116,000 $286,000
Application Approved But Not Accepted 85 $12,423,000 $146,000 $677,000 $133,000 $434,000
Preapproval Denied by Financial Institution 80 $15,283,000 $191,000 $610,000 $87,000 $215,000
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 120 $11,477,000 $95,000 $480,000 $89,000 $270,000
Debt-To-Income Ratio 78 $11,199,000 $143,000 $610,000 $87,000 $242,000
Other 28 $1,879,000 $67,000 $498,000 $99,000 $189,000
Collateral 11 $636,000 $57,000 $150,000 $107,000 $255,000
Mortgage Insurance Denied 8 $1,773,000 $221,000 $458,000 $88,000 $116,000
Insufficient Cash (Downpayment, Closing Cost) 3 $745,000 $248,000 $320,000 $84,000 $141,000
Employment History 1 $4,000 $4,000 $4,000 $103,000 $103,000
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 2011 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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