Justice Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Justice Federal Credit Union 2012 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 | 1,824 |
| Total Mortgage Loan Application Amount | $235,879,000 |
| Average Mortgage Loan Application Amount | $156,000 |
| Highest Mortgage Loan Application Amount | $1,240,000 |
| Average Applicant Income | $115,333 |
| Highest Applicant Income | $1,160,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 163 | $ 8,791,000 | $ 53,000 | $ 100,000 |
| District of Columbia County District Of Columbia | 119 | $ 12,269,000 | $ 103,000 | $ 108,000 |
| Fairfax County Virginia | 109 | $ 19,006,000 | $ 174,000 | $ 150,000 |
| Montgomery County Maryland | 65 | $ 11,306,000 | $ 173,000 | $ 164,000 |
| Harrison County West Virginia | 49 | $ 3,685,000 | $ 75,000 | $ 98,000 |
| Prince William County Virginia | 48 | $ 4,363,000 | $ 90,000 | $ 133,000 |
| Stafford County Virginia | 28 | $ 2,562,000 | $ 91,000 | $ 132,000 |
| Harris County Texas | 25 | $ 1,821,000 | $ 72,000 | $ 95,000 |
| Loudoun County Virginia | 24 | $ 5,044,000 | $ 210,000 | $ 137,000 |
| Marion County West Virginia | 24 | $ 1,388,000 | $ 57,000 | $ 84,000 |
| Taylor County West Virginia | 24 | $ 1,031,000 | $ 42,000 | $ 91,000 |
| Alexandria County Virginia | 23 | $ 5,289,000 | $ 229,000 | $ 127,000 |
| Queens County New York | 22 | $ 1,393,000 | $ 63,000 | $ 70,000 |
| Spotsylvania County Virginia | 21 | $ 1,047,000 | $ 49,000 | $ 100,000 |
| Charles County Maryland | 20 | $ 1,741,000 | $ 87,000 | $ 106,000 |
| Arlington County Virginia | 19 | $ 4,414,000 | $ 232,000 | $ 153,000 |
| Anne Arundel County Maryland | 16 | $ 2,241,000 | $ 140,000 | $ 121,000 |
| Baltimore County Maryland | 16 | $ 713,000 | $ 44,000 | $ 119,000 |
| Los Angeles County California | 15 | $ 2,812,000 | $ 187,000 | $ 101,000 |
| Broward County Florida | 14 | $ 2,273,000 | $ 162,000 | $ 133,000 |
| Kings County New York | 14 | $ 599,000 | $ 42,000 | $ 65,000 |
| Baltimore City County Maryland | 12 | $ 177,000 | $ 14,000 | $ 66,000 |
| Upshur County West Virginia | 12 | $ 558,000 | $ 46,000 | $ 88,000 |
| Frederick County Maryland | 11 | $ 1,089,000 | $ 99,000 | $ 101,000 |
| Howard County Maryland | 11 | $ 701,000 | $ 63,000 | $ 109,000 |
| Nassau County New York | 9 | $ 2,027,000 | $ 225,000 | $ 129,000 |
| Miami-Dade County Florida | 8 | $ 1,168,000 | $ 146,000 | $ 134,000 |
| Cook County Illinois | 8 | $ 1,410,000 | $ 176,000 | $ 140,000 |
| Calvert County Maryland | 8 | $ 758,000 | $ 94,000 | $ 134,000 |
| Monmouth County New Jersey | 8 | $ 871,000 | $ 108,000 | $ 145,000 |
| Bronx County New York | 7 | $ 103,000 | $ 14,000 | $ 81,000 |
| Richmond County New York | 7 | $ 520,000 | $ 74,000 | $ 85,000 |
| Monongalia County West Virginia | 7 | $ 624,000 | $ 89,000 | $ 136,000 |
| Clark County Nevada | 6 | $ 1,011,000 | $ 168,000 | $ 100,000 |
| Suffolk County New York | 6 | $ 1,356,000 | $ 226,000 | $ 186,000 |
| Westchester County New York | 6 | $ 689,000 | $ 114,000 | $ 100,000 |
| Montgomery County Texas | 6 | $ 748,000 | $ 124,000 | $ 154,000 |
| Barbour County West Virginia | 6 | $ 243,000 | $ 40,000 | $ 52,000 |
| Berkeley County West Virginia | 6 | $ 342,000 | $ 57,000 | $ 106,000 |
| Orange County California | 5 | $ 621,000 | $ 124,000 | $ 110,000 |
| Fairfield County Connecticut | 5 | $ 980,000 | $ 196,000 | $ 173,000 |
| Cobb County Georgia | 5 | $ 139,000 | $ 27,000 | $ 37,000 |
| Randolph County West Virginia | 5 | $ 214,000 | $ 42,000 | $ 51,000 |
| Maricopa County Arizona | 4 | $ 188,000 | $ 47,000 | $ 80,000 |
| San Bernardino County California | 4 | $ 405,000 | $ 101,000 | $ 96,000 |
| New Haven County Connecticut | 4 | $ 412,000 | $ 103,000 | $ 109,000 |
| Palm Beach County Florida | 4 | $ 517,000 | $ 129,000 | $ 142,000 |
| Effingham County Georgia | 4 | $ 20,000 | $ 5,000 | $ 61,000 |
| Fulton County Georgia | 4 | $ 82,000 | $ 20,000 | $ 67,000 |
| Morris County New Jersey | 4 | $ 220,000 | $ 55,000 | $ 98,000 |
| Mecklenburg County North Carolina | 4 | $ 669,000 | $ 167,000 | $ 158,000 |
| Greene County Pennsylvania | 4 | $ 128,000 | $ 32,000 | $ 79,000 |
| Shelby County Tennessee | 4 | $ 210,000 | $ 52,000 | $ 94,000 |
| Comal County Texas | 4 | $ 511,000 | $ 127,000 | $ 150,000 |
| El Paso County Texas | 4 | $ 465,000 | $ 116,000 | $ 144,000 |
| Culpeper County Virginia | 4 | $ 542,000 | $ 135,000 | $ 105,000 |
| Virginia Beach County Virginia | 4 | $ 478,000 | $ 119,000 | $ 123,000 |
| Preston County West Virginia | 4 | $ 151,000 | $ 37,000 | $ 80,000 |
| Raleigh County West Virginia | 4 | $ 143,000 | $ 35,000 | $ 77,000 |
| St. Francis County Arkansas | 3 | $ 45,000 | $ 15,000 | $ 40,000 |
| Riverside County California | 3 | $ 213,000 | $ 71,000 | $ 95,000 |
| Ventura County California | 3 | $ 865,000 | $ 288,000 | $ 108,000 |
| Douglas County Colorado | 3 | $ 445,000 | $ 148,000 | $ 125,000 |
| Sussex County Delaware | 3 | $ 386,000 | $ 128,000 | $ 130,000 |
| Manatee County Florida | 3 | $ 715,000 | $ 238,000 | $ 241,000 |
| Carroll County Georgia | 3 | $ 121,000 | $ 40,000 | $ 77,000 |
| DeKalb County Georgia | 3 | $ 69,000 | $ 23,000 | $ 50,000 |
| Upson County Georgia | 3 | $ 107,000 | $ 35,000 | $ 53,000 |
| Johnson County Kentucky | 3 | $ 276,000 | $ 92,000 | $ 78,000 |
| Whitley County Kentucky | 3 | $ 44,000 | $ 14,000 | $ 52,000 |
| St. Mary's County Maryland | 3 | $ 178,000 | $ 59,000 | $ 122,000 |
| Washington County Maryland | 3 | $ 60,000 | $ 20,000 | $ 136,000 |
| Hinds County Mississippi | 3 | $ 148,000 | $ 49,000 | $ 56,000 |
| Sharkey County Mississippi | 3 | $ 165,000 | $ 55,000 | $ 70,000 |
| Washington County Mississippi | 3 | $ 247,000 | $ 82,000 | $ 134,000 |
| St. Louis County Missouri | 3 | $ 281,000 | $ 93,000 | $ 150,000 |
| Bergen County New Jersey | 3 | $ 748,000 | $ 249,000 | $ 91,000 |
| Burlington County New Jersey | 3 | $ 303,000 | $ 101,000 | $ 145,000 |
| Union County New Jersey | 3 | $ 390,000 | $ 130,000 | $ 119,000 |
| Dutchess County New York | 3 | $ 87,000 | $ 29,000 | $ 158,000 |
| Erie County New York | 3 | $ 32,000 | $ 10,000 | $ 157,000 |
| Wake County North Carolina | 3 | $ 546,000 | $ 182,000 | $ 177,000 |
| Columbiana County Ohio | 3 | $ 161,000 | $ 53,000 | $ 74,000 |
| Seneca County Ohio | 3 | $ 30,000 | $ 10,000 | $ 72,000 |
| Allegheny County Pennsylvania | 3 | $ 265,000 | $ 88,000 | $ 156,000 |
| Butler County Pennsylvania | 3 | $ 141,000 | $ 47,000 | $ 299,000 |
| Philadelphia County Pennsylvania | 3 | $ 311,000 | $ 103,000 | $ 106,000 |
| Richland County South Carolina | 3 | $ 725,000 | $ 241,000 | $ 95,000 |
| Brazos County Texas | 3 | $ 123,000 | $ 41,000 | $ 52,000 |
| Dimmit County Texas | 3 | $ 74,000 | $ 24,000 | $ 116,000 |
| Fort Bend County Texas | 3 | $ 224,000 | $ 74,000 | $ 152,000 |
| Travis County Texas | 3 | $ 1,026,000 | $ 342,000 | $ 263,000 |
| Webb County Texas | 3 | $ 199,000 | $ 66,000 | $ 65,000 |
| Fauquier County Virginia | 3 | $ 403,000 | $ 134,000 | $ 142,000 |
| Frederick County Virginia | 3 | $ 41,000 | $ 13,000 | $ 79,000 |
| Rockingham County Virginia | 3 | $ 84,000 | $ 28,000 | $ 86,000 |
| Shenandoah County Virginia | 3 | $ 165,000 | $ 55,000 | $ 115,000 |
| Westmoreland County Virginia | 3 | $ 63,000 | $ 21,000 | $ 119,000 |
| Braxton County West Virginia | 3 | $ 267,000 | $ 89,000 | $ 74,000 |
| Doddridge County West Virginia | 3 | $ 287,000 | $ 95,000 | $ 76,000 |
| Lewis County West Virginia | 3 | $ 159,000 | $ 53,000 | $ 120,000 |
| Cochise County Arizona | 2 | $ 160,000 | $ 80,000 | $ 100,000 |
| San Diego County California | 2 | $ 159,000 | $ 79,000 | $ 138,000 |
| Denver County Colorado | 2 | $ 340,000 | $ 170,000 | $ 132,000 |
| Jefferson County Colorado | 2 | $ 415,000 | $ 207,000 | $ 198,000 |
| Pinellas County Florida | 2 | $ 224,000 | $ 112,000 | $ 121,000 |
| Sarasota County Florida | 2 | $ 92,000 | $ 46,000 | $ 682,000 |
| Bulloch County Georgia | 2 | $ 136,000 | $ 68,000 | $ 128,000 |
| Clayton County Georgia | 2 | $ 161,000 | $ 80,000 | $ 52,000 |
| Glynn County Georgia | 2 | $ 640,000 | $ 320,000 | $ 71,000 |
| Gwinnett County Georgia | 2 | $ 25,000 | $ 12,000 | $ 104,000 |
| Richmond County Georgia | 2 | $ 31,000 | $ 15,000 | $ 47,000 |
| Walton County Georgia | 2 | $ 6,000 | $ 3,000 | $ 55,000 |
| Orleans County Louisiana | 2 | $ 286,000 | $ 143,000 | $ 86,000 |
| St. Tammany County Louisiana | 2 | $ 138,000 | $ 69,000 | $ 94,000 |
| Carroll County Maryland | 2 | $ 349,000 | $ 174,000 | $ 102,000 |
| Jackson County Missouri | 2 | $ 160,000 | $ 80,000 | $ 103,000 |
| St. Louis City County Missouri | 2 | $ 478,000 | $ 239,000 | $ 120,000 |
| Atlantic County New Jersey | 2 | $ 233,000 | $ 116,000 | $ 82,000 |
| Camden County New Jersey | 2 | $ 15,000 | $ 7,000 | $ 97,000 |
| Gloucester County New Jersey | 2 | $ 353,000 | $ 176,000 | $ 131,000 |
| Middlesex County New Jersey | 2 | $ 13,000 | $ 6,000 | $ 67,000 |
| Dona Ana County New Mexico | 2 | $ 48,000 | $ 24,000 | $ 80,000 |
| New York County New York | 2 | $ 355,000 | $ 177,000 | $ 110,000 |
| Orange County New York | 2 | $ 330,000 | $ 165,000 | $ 199,000 |
| Edgecombe County North Carolina | 2 | $ 225,000 | $ 112,000 | $ 103,000 |
| Granville County North Carolina | 2 | $ 84,000 | $ 42,000 | $ 65,000 |
| Hoke County North Carolina | 2 | $ 4,000 | $ 2,000 | $ 63,000 |
| Johnston County North Carolina | 2 | $ 6,000 | $ 3,000 | $ 118,000 |
| Pitt County North Carolina | 2 | $ 60,000 | $ 30,000 | $ 30,000 |
| Cass County North Dakota | 2 | $ 16,000 | $ 8,000 | $ 89,000 |
| Hamilton County Ohio | 2 | $ 41,000 | $ 20,000 | $ 163,000 |
| Mahoning County Ohio | 2 | $ 119,000 | $ 59,000 | $ 107,000 |
| Dauphin County Pennsylvania | 2 | $ 68,000 | $ 34,000 | $ 91,000 |
| Fayette County Pennsylvania | 2 | $ 140,000 | $ 70,000 | $ 65,000 |
| Franklin County Pennsylvania | 2 | $ 443,000 | $ 221,000 | $ 144,000 |
| Northampton County Pennsylvania | 2 | $ 334,000 | $ 167,000 | $ 137,000 |
| York County Pennsylvania | 2 | $ 281,000 | $ 140,000 | $ 134,000 |
| Aguada County Puerto Rico | 2 | $ 44,000 | $ 22,000 | $ 66,000 |
| Lexington County South Carolina | 2 | $ 254,000 | $ 127,000 | $ 81,000 |
| Bexar County Texas | 2 | $ 471,000 | $ 235,000 | $ 129,000 |
| Cherokee County Texas | 2 | $ 31,000 | $ 15,000 | $ 155,000 |
| Collin County Texas | 2 | $ 226,000 | $ 113,000 | $ 157,000 |
| Tarrant County Texas | 2 | $ 269,000 | $ 134,000 | $ 174,000 |
| Chesterfield County Virginia | 2 | $ 20,000 | $ 10,000 | $ 90,000 |
| Fairfax City County Virginia | 2 | $ 393,000 | $ 196,000 | $ 108,000 |
| King George County Virginia | 2 | $ 50,000 | $ 25,000 | $ 201,000 |
| Lancaster County Virginia | 2 | $ 68,000 | $ 34,000 | $ 96,000 |
| Island County Washington | 2 | $ 461,000 | $ 230,000 | $ 96,000 |
| King County Washington | 2 | $ 535,000 | $ 267,000 | $ 162,000 |
| Gilmer County West Virginia | 2 | $ 67,000 | $ 33,000 | $ 96,000 |
| Hampshire County West Virginia | 2 | $ 37,000 | $ 18,000 | $ 105,000 |
| Monroe County West Virginia | 2 | $ 227,000 | $ 113,000 | $ 108,000 |
| Calhoun County Alabama | 1 | $ 3,000 | $ 3,000 | $ 95,000 |
| Dallas County Alabama | 1 | $ 30,000 | $ 30,000 | $ 106,000 |
| Jefferson County Alabama | 1 | $ 101,000 | $ 101,000 | $ 78,000 |
| Madison County Alabama | 1 | $ 355,000 | $ 355,000 | $ 121,000 |
| Apache County Arizona | 1 | $ 160,000 | $ 160,000 | $ 121,000 |
| Pima County Arizona | 1 | $ 192,000 | $ 192,000 | $ 27,000 |
| Pulaski County Arkansas | 1 | $ 2,000 | $ 2,000 | $ 132,000 |
| Alameda County California | 1 | $ 417,000 | $ 417,000 | $ 206,000 |
| Butte County California | 1 | $ 272,000 | $ 272,000 | $ 64,000 |
| Merced County California | 1 | $ 43,000 | $ 43,000 | $ 47,000 |
| Solano County California | 1 | $ 286,000 | $ 286,000 | $ 191,000 |
| Sonoma County California | 1 | $ 1,000 | $ 1,000 | $ 137,000 |
| Adams County Colorado | 1 | $ 2,000 | $ 2,000 | $ 76,000 |
| Arapahoe County Colorado | 1 | $ 300,000 | $ 300,000 | $ 114,000 |
| Archuleta County Colorado | 1 | $ 146,000 | $ 146,000 | $ 88,000 |
| Larimer County Colorado | 1 | $ 605,000 | $ 605,000 | $ 123,000 |
| Mesa County Colorado | 1 | $ 175,000 | $ 175,000 | $ 87,000 |
| Hartford County Connecticut | 1 | $ 3,000 | $ 3,000 | $ 88,000 |
| New Castle County Delaware | 1 | $ 21,000 | $ 21,000 | $ 135,000 |
| Escambia County Florida | 1 | $ 5,000 | $ 5,000 | $ 63,000 |
| Hillsborough County Florida | 1 | $ 20,000 | $ 20,000 | $ 96,000 |
| Leon County Florida | 1 | $ 115,000 | $ 115,000 | $ 190,000 |
| Marion County Florida | 1 | $ 3,000 | $ 3,000 | $ 33,000 |
| Orange County Florida | 1 | $ 124,000 | $ 124,000 | $ 88,000 |
| St. Johns County Florida | 1 | $ 338,000 | $ 338,000 | $ 425,000 |
| St. Lucie County Florida | 1 | $ 10,000 | $ 10,000 | $ 67,000 |
| Sumter County Florida | 1 | $ 6,000 | $ 6,000 | $ 89,000 |
| Volusia County Florida | 1 | $ 10,000 | $ 10,000 | $ 106,000 |
| Bartow County Georgia | 1 | $ 5,000 | $ 5,000 | $ 38,000 |
| Butts County Georgia | 1 | $ 250,000 | $ 250,000 | $ 243,000 |
| Catoosa County Georgia | 1 | $ 101,000 | $ 101,000 | $ 99,000 |
| Dougherty County Georgia | 1 | $ 10,000 | $ 10,000 | $ 60,000 |
| Fayette County Georgia | 1 | $ 185,000 | $ 185,000 | $ 167,000 |
| Hall County Georgia | 1 | $ 82,000 | $ 82,000 | $ 165,000 |
| Haralson County Georgia | 1 | $ 28,000 | $ 28,000 | $ 94,000 |
| Houston County Georgia | 1 | $ 6,000 | $ 6,000 | $ 136,000 |
| Jones County Georgia | 1 | $ 45,000 | $ 45,000 | $ 114,000 |
| Lamar County Georgia | 1 | $ 2,000 | $ 2,000 | $ 58,000 |
| Long County Georgia | 1 | $ 2,000 | $ 2,000 | $ 100,000 |
| Lowndes County Georgia | 1 | $ 260,000 | $ 260,000 | $ 106,000 |
| Monroe County Georgia | 1 | $ 7,000 | $ 7,000 | $ 36,000 |
| Oconee County Georgia | 1 | $ 30,000 | $ 30,000 | $ 79,000 |
| Paulding County Georgia | 1 | $ 4,000 | $ 4,000 | $ 38,000 |
| Pike County Georgia | 1 | $ 8,000 | $ 8,000 | $ 59,000 |
| Rockdale County Georgia | 1 | $ 60,000 | $ 60,000 | $ 68,000 |
| Talbot County Georgia | 1 | $ 4,000 | $ 4,000 | $ 41,000 |
| Tattnall County Georgia | 1 | $ 2,000 | $ 2,000 | $ 35,000 |
| Troup County Georgia | 1 | $ 121,000 | $ 121,000 | $ 117,000 |
| Bond County Illinois | 1 | $ 33,000 | $ 33,000 | $ 65,000 |
| DuPage County Illinois | 1 | $ 362,000 | $ 362,000 | $ 155,000 |
| Lake County Illinois | 1 | $ 15,000 | $ 15,000 | $ 61,000 |
| Will County Illinois | 1 | $ 75,000 | $ 75,000 | $ 43,000 |
| Hamilton County Indiana | 1 | $ 198,000 | $ 198,000 | $ 71,000 |
| Lake County Indiana | 1 | $ 325,000 | $ 325,000 | $ 108,000 |
| Shawnee County Kansas | 1 | $ 170,000 | $ 170,000 | $ 147,000 |
| Christian County Kentucky | 1 | $ 43,000 | $ 43,000 | $ 98,000 |
| Fayette County Kentucky | 1 | $ 5,000 | $ 5,000 | $ 34,000 |
| Floyd County Kentucky | 1 | $ 58,000 | $ 58,000 | $ 61,000 |
| Caddo County Louisiana | 1 | $ 120,000 | $ 120,000 | $ 50,000 |
| St. Charles County Louisiana | 1 | $ 3,000 | $ 3,000 | $ 90,000 |
| St. Helena County Louisiana | 1 | $ 3,000 | $ 3,000 | $ 15,000 |
| Cumberland County Maine | 1 | $ 4,000 | $ 4,000 | $ 58,000 |
| Hancock County Maine | 1 | $ 196,000 | $ 196,000 | $ 134,000 |
| Waldo County Maine | 1 | $ 170,000 | $ 170,000 | $ 232,000 |
| Caroline County Maryland | 1 | $ 10,000 | $ 10,000 | $ 39,000 |
| Harford County Maryland | 1 | $ 20,000 | $ 20,000 | $ 153,000 |
| Kent County Maryland | 1 | $ 8,000 | $ 8,000 | $ 152,000 |
| Worcester County Maryland | 1 | $ 240,000 | $ 240,000 | $ 146,000 |
| Hampden County Massachusetts | 1 | $ 118,000 | $ 118,000 | $ 190,000 |
| Middlesex County Massachusetts | 1 | $ 4,000 | $ 4,000 | $ 373,000 |
| Kent County Michigan | 1 | $ 96,000 | $ 96,000 | $ 241,000 |
| Newaygo County Michigan | 1 | $ 25,000 | $ 25,000 | $ 165,000 |
| Oakland County Michigan | 1 | $ 10,000 | $ 10,000 | $ 118,000 |
| Dodge County Minnesota | 1 | $ 121,000 | $ 121,000 | $ 128,000 |
| Barton County Missouri | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Hill County Montana | 1 | $ 149,000 | $ 149,000 | $ 87,000 |
| Scotts Bluff County Nebraska | 1 | $ 135,000 | $ 135,000 | $ 98,000 |
| Coos County New Hampshire | 1 | $ 131,000 | $ 131,000 | $ 59,000 |
| Cape May County New Jersey | 1 | $ 135,000 | $ 135,000 | $ 146,000 |
| Cumberland County New Jersey | 1 | $ 21,000 | $ 21,000 | $ 75,000 |
| Essex County New Jersey | 1 | $ 4,000 | $ 4,000 | $ 104,000 |
| Hudson County New Jersey | 1 | $ 195,000 | $ 195,000 | $ 105,000 |
| Ocean County New Jersey | 1 | $ 164,000 | $ 164,000 | $ 157,000 |
| Passaic County New Jersey | 1 | $ 3,000 | $ 3,000 | $ 114,000 |
| Somerset County New Jersey | 1 | $ 9,000 | $ 9,000 | $ 189,000 |
| Santa Fe County New Mexico | 1 | $ 10,000 | $ 10,000 | $ 84,000 |
| Franklin County New York | 1 | $ 50,000 | $ 50,000 | $ 113,000 |
| Monroe County New York | 1 | $ 123,000 | $ 123,000 | $ 69,000 |
| Niagara County New York | 1 | $ 182,000 | $ 182,000 | $ 205,000 |
| Rockland County New York | 1 | $ 3,000 | $ 3,000 | $ 70,000 |
| Beaufort County North Carolina | 1 | $ 120,000 | $ 120,000 | $ 90,000 |
| Buncombe County North Carolina | 1 | $ 129,000 | $ 129,000 | $ 277,000 |
| Cabarrus County North Carolina | 1 | $ 74,000 | $ 74,000 | $ 101,000 |
| Craven County North Carolina | 1 | $ 143,000 | $ 143,000 | $ 79,000 |
| Currituck County North Carolina | 1 | $ 200,000 | $ 200,000 | $ 269,000 |
| Durham County North Carolina | 1 | $ 18,000 | $ 18,000 | $ 65,000 |
| Franklin County North Carolina | 1 | $ 189,000 | $ 189,000 | $ 145,000 |
| Henderson County North Carolina | 1 | $ 308,000 | $ 308,000 | $ 236,000 |
| Hyde County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 31,000 |
| Onslow County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 127,000 |
| Rockingham County North Carolina | 1 | $ 153,000 | $ 153,000 | $ 113,000 |
| Scotland County North Carolina | 1 | $ 111,000 | $ 111,000 | $ 54,000 |
| Union County North Carolina | 1 | $ 288,000 | $ 288,000 | $ 85,000 |
| Vance County North Carolina | 1 | $ 130,000 | $ 130,000 | $ 63,000 |
| Warren County North Carolina | 1 | $ 10,000 | $ 10,000 | $ 59,000 |
| Ottawa County Ohio | 1 | $ 284,000 | $ 284,000 | $ 249,000 |
| Stark County Ohio | 1 | $ 121,000 | $ 121,000 | $ 84,000 |
| Summit County Ohio | 1 | $ 176,000 | $ 176,000 | $ 56,000 |
| Canadian County Oklahoma | 1 | $ 7,000 | $ 7,000 | $ 75,000 |
| Cleveland County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 325,000 |
| Le Flore County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 11,000 |
| Multnomah County Oregon | 1 | $ 370,000 | $ 370,000 | $ 225,000 |
| Bucks County Pennsylvania | 1 | $ 162,000 | $ 162,000 | $ 42,000 |
| Chester County Pennsylvania | 1 | $ 291,000 | $ 291,000 | $ 244,000 |
| Lehigh County Pennsylvania | 1 | $ 2,000 | $ 2,000 | $ 68,000 |
| Luzerne County Pennsylvania | 1 | $ 21,000 | $ 21,000 | $ 135,000 |
| Montgomery County Pennsylvania | 1 | $ 250,000 | $ 250,000 | $ 158,000 |
| Snyder County Pennsylvania | 1 | $ 120,000 | $ 120,000 | $ 191,000 |
| Barceloneta County Puerto Rico | 1 | $ 11,000 | $ 11,000 | $ 50,000 |
| Gurabo County Puerto Rico | 1 | $ 34,000 | $ 34,000 | $ 205,000 |
| Toa Alta County Puerto Rico | 1 | $ 32,000 | $ 32,000 | $ 92,000 |
| Greenville County South Carolina | 1 | $ 1,000 | $ 1,000 | $ 27,000 |
| Anderson County Tennessee | 1 | $ 150,000 | $ 150,000 | $ 170,000 |
| Davidson County Tennessee | 1 | $ 134,000 | $ 134,000 | $ 39,000 |
| Knox County Tennessee | 1 | $ 380,000 | $ 380,000 | $ 105,000 |
| Robertson County Tennessee | 1 | $ 9,000 | $ 9,000 | $ 102,000 |
| Scott County Tennessee | 1 | $ 68,000 | $ 68,000 | $ 44,000 |
| Sullivan County Tennessee | 1 | $ 196,000 | $ 196,000 | $ 138,000 |
| Williamson County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 128,000 |
| Bee County Texas | 1 | $ 50,000 | $ 50,000 | $ 56,000 |
| Dallas County Texas | 1 | $ 80,000 | $ 80,000 | $ 48,000 |
| Denton County Texas | 1 | $ 179,000 | $ 179,000 | $ 132,000 |
| Galveston County Texas | 1 | $ 114,000 | $ 114,000 | $ 144,000 |
| Hidalgo County Texas | 1 | $ 77,000 | $ 77,000 | $ 95,000 |
| Jefferson County Texas | 1 | $ 45,000 | $ 45,000 | $ 117,000 |
| Johnson County Texas | 1 | $ 4,000 | $ 4,000 | $ 43,000 |
| Walker County Texas | 1 | $ 90,000 | $ 90,000 | $ 94,000 |
| Chittenden County Vermont | 1 | $ 244,000 | $ 244,000 | $ 106,000 |
| Orange County Vermont | 1 | $ 199,000 | $ 199,000 | $ 47,000 |
| Albemarle County Virginia | 1 | $ 210,000 | $ 210,000 | $ 55,000 |
| Chesapeake County Virginia | 1 | $ 344,000 | $ 344,000 | $ 162,000 |
| Clarke County Virginia | 1 | $ 263,000 | $ 263,000 | $ 137,000 |
| Dinwiddie County Virginia | 1 | $ 5,000 | $ 5,000 | $ 69,000 |
| Falls Church County Virginia | 1 | $ 310,000 | $ 310,000 | $ 188,000 |
| Fluvanna County Virginia | 1 | $ 4,000 | $ 4,000 | $ 136,000 |
| Franklin County Virginia | 1 | $ 236,000 | $ 236,000 | $ 81,000 |
| Greensville County Virginia | 1 | $ 6,000 | $ 6,000 | $ 62,000 |
| Halifax County Virginia | 1 | $ 90,000 | $ 90,000 | $ 65,000 |
| Hampton County Virginia | 1 | $ 41,000 | $ 41,000 | $ 234,000 |
| Harrisonburg County Virginia | 1 | $ 308,000 | $ 308,000 | $ 155,000 |
| Martinsville County Virginia | 1 | $ 28,000 | $ 28,000 | $ 26,000 |
| New Kent County Virginia | 1 | $ 15,000 | $ 15,000 | $ 95,000 |
| Northumberland County Virginia | 1 | $ 6,000 | $ 6,000 | $ 75,000 |
| Orange County Virginia | 1 | $ 7,000 | $ 7,000 | $ 105,000 |
| Prince George County Virginia | 1 | $ 255,000 | $ 255,000 | $ 87,000 |
| Sussex County Virginia | 1 | $ 278,000 | $ 278,000 | $ 239,000 |
| Warren County Virginia | 1 | $ 20,000 | $ 20,000 | $ 68,000 |
| Pierce County Washington | 1 | $ 20,000 | $ 20,000 | $ 13,000 |
| Whatcom County Washington | 1 | $ 160,000 | $ 160,000 | $ 150,000 |
| Fayette County West Virginia | 1 | $ 3,000 | $ 3,000 | $ 52,000 |
| Mineral County West Virginia | 1 | $ 212,000 | $ 212,000 | $ 226,000 |
| Summers County West Virginia | 1 | $ 4,000 | $ 4,000 | $ 63,000 |
| Tyler County West Virginia | 1 | $ 92,000 | $ 92,000 | $ 83,000 |
| Adams County Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 101,000 |
| Ozaukee County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Waukesha County Wisconsin | 1 | $ 350,000 | $ 350,000 | $ 396,000 |
Mortgage Loan Application Detail Totals for Justice Federal Credit Union in 2012
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 | 851 | $19,827,000 | $23,000 | $250,000 | $98,000 | $1,160,000 |
| Refinancing | 531 | $111,879,000 | $210,000 | $1,027,000 | $139,000 | $650,000 |
| Home Purchase | 442 | $104,173,000 | $235,000 | $1,240,000 | $109,000 | $721,000 |
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 | 1,001 | $69,124,000 | $69,000 | $1,027,000 | $104,000 | $1,160,000 |
| White | 543 | $112,893,000 | $207,000 | $1,240,000 | $131,000 | $721,000 |
| Black or African American | 170 | $28,285,000 | $166,000 | $600,000 | $100,000 | $321,000 |
| Hispanic | 64 | $13,460,000 | $210,000 | $700,000 | $117,000 | $402,000 |
| Asian | 39 | $10,960,000 | $281,000 | $600,000 | $129,000 | $516,000 |
| American Indian or Alaskan Native | 5 | $785,000 | $157,000 | $250,000 | $118,000 | $217,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $372,000 | $186,000 | $292,000 | $89,000 | $144,000 |
| 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) | 1,824 | $235,879,000 | $129,000 | $1,240,000 | $113,000 | $1,160,000 |
| 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 | 769 | $56,673,000 | $73,000 | $610,000 | $115,000 | $1,160,000 |
| Application Withdrawn By Applicant | 283 | $44,596,000 | $157,000 | $700,000 | $115,000 | $650,000 |
| Application Denied By Financial Institution | 275 | $27,210,000 | $98,000 | $573,000 | $99,000 | $425,000 |
| Application Approved But Not Accepted | 154 | $34,427,000 | $223,000 | $600,000 | $141,000 | $443,000 |
| Preapproval Denied by Financial Institution | 137 | $26,334,000 | $192,000 | $480,000 | $82,000 | $248,000 |
| File Closed For Incompleteness | 131 | $28,459,000 | $217,000 | $1,240,000 | $124,000 | $516,000 |
| Preapproval Approved but not Accepted | 75 | $18,180,000 | $242,000 | $540,000 | $106,000 | $232,000 |
| 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 | 216 | $25,969,000 | $120,000 | $563,000 | $94,000 | $425,000 |
| Debt-To-Income Ratio | 109 | $17,239,000 | $158,000 | $573,000 | $79,000 | $222,000 |
| Other | 33 | $972,000 | $29,000 | $278,000 | $119,000 | $334,000 |
| Collateral | 28 | $3,977,000 | $142,000 | $455,000 | $132,000 | $288,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 20 | $3,737,000 | $186,000 | $475,000 | $87,000 | $166,000 |
| Mortgage Insurance Denied | 4 | $1,158,000 | $289,000 | $385,000 | $71,000 | $112,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Justice Federal Credit Union's 2012 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.