Justice Federal Credit Union Mortgage Lending & HMDA Data, 2021

In 2021, Justice Federal Credit Union of Chantilly, VA reported 1,728 mortgage applications totaling $378.1 million, down 4% from 2020. The average application was for $218,802, and applicants reported an average income of $149,732. 34% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (337), Atlanta-Sandy Springs-Roswell, GA (51) and Washington-Baltimore-Arlington, DC (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
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 1,728
Total Mortgage Loan Application Amount $378,090,000
Average Mortgage Loan Application Amount $218,802
Highest Mortgage Loan Application Amount $1,805,000
Average Applicant Income $149,732
Highest Applicant Income $9,618,000

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records Justice Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021

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 80 $ 17,220,000 $ 215,250 $ 132,000
Fairfax, Virginia 55 $ 13,225,000 $ 240,454 $ 160,000
District of Columbia, District Of Columbia 46 $ 10,200,000 $ 221,739 $ 141,000
Broward, Florida 38 $ 8,130,000 $ 213,947 $ 143,000
Montgomery, Maryland 38 $ 12,280,000 $ 323,157 $ 212,000
Prince William, Virginia 34 $ 5,440,000 $ 160,000 $ 174,000
Harrison, West Virginia 30 $ 3,090,000 $ 103,000 $ 100,000
Loudoun, Virginia 26 $ 4,270,000 $ 164,230 $ 174,000
Charles, Maryland 22 $ 4,120,000 $ 187,272 $ 554,000
Stafford, Virginia 22 $ 4,640,000 $ 210,909 $ 172,000
Anne Arundel, Maryland 20 $ 4,560,000 $ 228,000 $ 168,000
Marion, West Virginia 19 $ 2,465,000 $ 129,736 $ 106,000
Spotsylvania, Virginia 16 $ 2,830,000 $ 176,875 $ 162,000
Los Angeles, California 14 $ 3,340,000 $ 238,571 $ 178,000
Miami-Dade, Florida 14 $ 2,500,000 $ 178,571 $ 116,000
Arlington, Virginia 11 $ 4,515,000 $ 410,454 $ 189,000
Hillsborough, Florida 10 $ 2,040,000 $ 204,000 $ 123,000
Palm Beach, Florida 10 $ 1,010,000 $ 101,000 $ 123,000
Tarrant, Texas 10 $ 1,210,000 $ 121,000 $ 155,000
Tuscaloosa, Alabama 9 $ 765,000 $ 85,000 $ 0
San Bernardino, California 9 $ 1,615,000 $ 179,444 $ 166,000
Cook, Illinois 9 $ 2,225,000 $ 247,222 $ 226,000
Baltimore City, Maryland 8 $ 1,220,000 $ 152,500 $ 113,000
Harris, Texas 8 $ 1,380,000 $ 172,500 $ 121,000
Travis, Texas 8 $ 680,000 $ 85,000 $ 78,000
Alexandria, Virginia 8 $ 2,400,000 $ 300,000 $ 158,000
Monongalia, West Virginia 8 $ 1,570,000 $ 196,250 $ 125,000
Taylor, West Virginia 8 $ 890,000 $ 111,250 $ 78,000
Fulton, Georgia 7 $ 1,535,000 $ 219,285 $ 148,000
Baltimore, Maryland 7 $ 955,000 $ 136,428 $ 130,000
Horry, South Carolina 7 $ 655,000 $ 93,571 $ 129,000
Mobile, Alabama 6 $ 740,000 $ 123,333 $ 163,000
Polk, Florida 6 $ 720,000 $ 120,000 $ 111,000
Fayette, Georgia 6 $ 1,930,000 $ 321,666 $ 174,000
Frederick, Maryland 6 $ 1,320,000 $ 220,000 $ 167,000
Howard, Maryland 6 $ 2,220,000 $ 370,000 $ 190,000
Ocean, New Jersey 6 $ 2,260,000 $ 376,666 $ 229,000
St. Clair, Alabama 5 $ 575,000 $ 115,000 $ 0
Walker, Alabama 5 $ 445,000 $ 89,000 $ 0
Orange, California 5 $ 1,405,000 $ 281,000 $ 237,000
Riverside, California 5 $ 835,000 $ 167,000 $ 190,000
Marion, Florida 5 $ 1,145,000 $ 229,000 $ 120,000
Carroll, Georgia 5 $ 385,000 $ 77,000 $ 60,000
Henry, Georgia 5 $ 775,000 $ 155,000 $ 131,000
Nassau, New York 5 $ 1,495,000 $ 299,000 $ 247,000
Brunswick, North Carolina 5 $ 365,000 $ 73,000 $ 87,000
Montgomery, Texas 5 $ 1,195,000 $ 239,000 $ 234,000
King George, Virginia 5 $ 715,000 $ 143,000 $ 93,000
Chilton, Alabama 4 $ 410,000 $ 102,500 $ 0
Cullman, Alabama 4 $ 330,000 $ 82,500 $ 0
Talladega, Alabama 4 $ 460,000 $ 115,000 $ 0
San Diego, California 4 $ 650,000 $ 162,500 $ 160,000
Nassau, Florida 4 $ 740,000 $ 185,000 $ 86,000
DeKalb, Georgia 4 $ 330,000 $ 82,500 $ 97,000
Rockdale, Georgia 4 $ 740,000 $ 185,000 $ 109,000
Clarke, Mississippi 4 $ 360,000 $ 90,000 $ 0
Camden, New Jersey 4 $ 1,600,000 $ 400,000 $ 164,000
Kings, New York 4 $ 1,990,000 $ 497,500 $ 140,000
Queens, New York 4 $ 960,000 $ 240,000 $ 238,000
Ulster, New York 4 $ 370,000 $ 92,500 $ 85,000
Mecklenburg, North Carolina 4 $ 230,000 $ 57,500 $ 86,000
Wake, North Carolina 4 $ 330,000 $ 82,500 $ 79,000
Bexar, Texas 4 $ 830,000 $ 207,500 $ 243,000
Hardin, Texas 4 $ 420,000 $ 105,000 $ 0
Jasper, Texas 4 $ 390,000 $ 97,500 $ 0
Lewis, West Virginia 4 $ 970,000 $ 242,500 $ 113,000
Autauga, Alabama 3 $ 295,000 $ 98,333 $ 0
Blount, Alabama 3 $ 355,000 $ 118,333 $ 0
Hale, Alabama 3 $ 245,000 $ 81,666 $ 0
Jefferson, Alabama 3 $ 295,000 $ 98,333 $ 0
Pickens, Alabama 3 $ 245,000 $ 81,666 $ 0
Maricopa, Arizona 3 $ 1,185,000 $ 395,000 $ 260,000
Alameda, California 3 $ 375,000 $ 125,000 $ 143,000
Colusa, California 3 $ 155,000 $ 51,666 $ 533,000
Contra Costa, California 3 $ 215,000 $ 71,666 $ 161,000
San Mateo, California 3 $ 1,015,000 $ 338,333 $ 225,000
Santa Barbara, California 3 $ 615,000 $ 205,000 $ 220,000
Fairfield, Connecticut 3 $ 665,000 $ 221,666 $ 104,000
New Haven, Connecticut 3 $ 495,000 $ 165,000 $ 1,602,000
Duval, Florida 3 $ 345,000 $ 115,000 $ 0
Lee, Florida 3 $ 525,000 $ 175,000 $ 126,000
Pinellas, Florida 3 $ 215,000 $ 71,666 $ 145,000
Seminole, Florida 3 $ 545,000 $ 181,666 $ 122,000
St. Johns, Florida 3 $ 485,000 $ 161,666 $ 157,000
Suwannee, Florida 3 $ 345,000 $ 115,000 $ 0
Brantley, Georgia 3 $ 385,000 $ 128,333 $ 0
Chatham, Georgia 3 $ 805,000 $ 268,333 $ 182,000
Coffee, Georgia 3 $ 285,000 $ 95,000 $ 0
Coweta, Georgia 3 $ 945,000 $ 315,000 $ 132,000
Hall, Georgia 3 $ 245,000 $ 81,666 $ 60,000
Calvert, Maryland 3 $ 295,000 $ 98,333 $ 157,000
Jackson, Mississippi 3 $ 335,000 $ 111,666 $ 0
Union, Mississippi 3 $ 305,000 $ 101,666 $ 0
Essex, New Jersey 3 $ 715,000 $ 238,333 $ 169,000
Rockland, New York 3 $ 535,000 $ 178,333 $ 148,000
Cumberland, North Carolina 3 $ 395,000 $ 131,666 $ 135,000
Union, North Carolina 3 $ 275,000 $ 91,666 $ 190,000
Florence, South Carolina 3 $ 405,000 $ 135,000 $ 35,000
Lexington, South Carolina 3 $ 355,000 $ 118,333 $ 0
Austin, Texas 3 $ 175,000 $ 58,333 $ 0
Denton, Texas 3 $ 195,000 $ 65,000 $ 250,000
El Paso, Texas 3 $ 295,000 $ 98,333 $ 66,000
Jefferson, Texas 3 $ 405,000 $ 135,000 $ 0
Smith, Texas 3 $ 305,000 $ 101,666 $ 0
Culpeper, Virginia 3 $ 485,000 $ 161,666 $ 111,000
Fairfax City, Virginia 3 $ 525,000 $ 175,000 $ 138,000
Fauquier, Virginia 3 $ 495,000 $ 165,000 $ 228,000
Frederick, Virginia 3 $ 155,000 $ 51,666 $ 96,000
Louisa, Virginia 3 $ 485,000 $ 161,666 $ 192,000
Westmoreland, Virginia 3 $ 195,000 $ 65,000 $ 117,000
Cleburne, Alabama 2 $ 160,000 $ 80,000 $ 0
Coosa, Alabama 2 $ 160,000 $ 80,000 $ 0
Dallas, Alabama 2 $ 210,000 $ 105,000 $ 0
Elmore, Alabama 2 $ 240,000 $ 120,000 $ 0
Lee, Alabama 2 $ 190,000 $ 95,000 $ 86,000
Limestone, Alabama 2 $ 230,000 $ 115,000 $ 0
Madison, Alabama 2 $ 920,000 $ 460,000 $ 409,000
Marengo, Alabama 2 $ 120,000 $ 60,000 $ 0
Marshall, Alabama 2 $ 210,000 $ 105,000 $ 0
Montgomery, Alabama 2 $ 310,000 $ 155,000 $ 0
Merced, California 2 $ 120,000 $ 60,000 $ 154,000
San Joaquin, California 2 $ 430,000 $ 215,000 $ 117,000
Ventura, California 2 $ 1,590,000 $ 795,000 $ 242,000
Yolo, California 2 $ 350,000 $ 175,000 $ 136,000
Middlesex, Connecticut 2 $ 40,000 $ 20,000 $ 90,000
Sussex, Delaware 2 $ 380,000 $ 190,000 $ 169,000
Brevard, Florida 2 $ 180,000 $ 90,000 $ 138,000
Columbia, Florida 2 $ 340,000 $ 170,000 $ 42,000
Hernando, Florida 2 $ 190,000 $ 95,000 $ 52,000
Holmes, Florida 2 $ 270,000 $ 135,000 $ 0
Orange, Florida 2 $ 340,000 $ 170,000 $ 119,000
Pasco, Florida 2 $ 160,000 $ 80,000 $ 0
Sarasota, Florida 2 $ 320,000 $ 160,000 $ 112,000
St. Lucie, Florida 2 $ 230,000 $ 115,000 $ 78,000
Walton, Florida 2 $ 260,000 $ 130,000 $ 0
Cherokee, Georgia 2 $ 630,000 $ 315,000 $ 107,000
Cobb, Georgia 2 $ 440,000 $ 220,000 $ 112,000
Dougherty, Georgia 2 $ 400,000 $ 200,000 $ 111,000
Fannin, Georgia 2 $ 190,000 $ 95,000 $ 0
Gwinnett, Georgia 2 $ 200,000 $ 100,000 $ 69,000
Lamar, Georgia 2 $ 370,000 $ 185,000 $ 135,000
Pickens, Georgia 2 $ 220,000 $ 110,000 $ 0
Richmond, Georgia 2 $ 240,000 $ 120,000 $ 66,000
Wayne, Georgia 2 $ 140,000 $ 70,000 $ 0
DuPage, Illinois 2 $ 380,000 $ 190,000 $ 150,000
Will, Illinois 2 $ 450,000 $ 225,000 $ 168,000
Norfolk, Massachusetts 2 $ 340,000 $ 170,000 $ 203,000
Clay, Mississippi 2 $ 170,000 $ 85,000 $ 0
Lauderdale, Mississippi 2 $ 200,000 $ 100,000 $ 0
Marshall, Mississippi 2 $ 360,000 $ 180,000 $ 0
Montgomery, Mississippi 2 $ 200,000 $ 100,000 $ 0
Neshoba, Mississippi 2 $ 140,000 $ 70,000 $ 0
Simpson, Mississippi 2 $ 280,000 $ 140,000 $ 0
Yazoo, Mississippi 2 $ 250,000 $ 125,000 $ 91,000
Atlantic, New Jersey 2 $ 500,000 $ 250,000 $ 131,000
Burlington, New Jersey 2 $ 70,000 $ 35,000 $ 155,000
Middlesex, New Jersey 2 $ 350,000 $ 175,000 $ 121,000
Sussex, New Jersey 2 $ 510,000 $ 255,000 $ 134,000
Bernalillo, New Mexico 2 $ 420,000 $ 210,000 $ 68,000
Niagara, New York 2 $ 130,000 $ 65,000 $ 32,000
Richmond, New York 2 $ 310,000 $ 155,000 $ 102,000
Suffolk, New York 2 $ 480,000 $ 240,000 $ 51,000
Westchester, New York 2 $ 530,000 $ 265,000 $ 200,000
Columbus, North Carolina 2 $ 330,000 $ 165,000 $ 0
New Hanover, North Carolina 2 $ 410,000 $ 205,000 $ 126,000
Scotland, North Carolina 2 $ 240,000 $ 120,000 $ 0
Georgetown, South Carolina 2 $ 370,000 $ 185,000 $ 198,000
Bowie, Texas 2 $ 280,000 $ 140,000 $ 0
Brazoria, Texas 2 $ 200,000 $ 100,000 $ 0
Calhoun, Texas 2 $ 210,000 $ 105,000 $ 0
Comal, Texas 2 $ 220,000 $ 110,000 $ 83,000
Ector, Texas 2 $ 190,000 $ 95,000 $ 0
Ellis, Texas 2 $ 240,000 $ 120,000 $ 0
Hunt, Texas 2 $ 260,000 $ 130,000 $ 0
Johnson, Texas 2 $ 90,000 $ 45,000 $ 97,000
Jones, Texas 2 $ 190,000 $ 95,000 $ 0
Lubbock, Texas 2 $ 270,000 $ 135,000 $ 0
Newton, Texas 2 $ 310,000 $ 155,000 $ 0
Orange, Texas 2 $ 330,000 $ 165,000 $ 0
Tyler, Texas 2 $ 260,000 $ 130,000 $ 0
Van Zandt, Texas 2 $ 160,000 $ 80,000 $ 0
Williamson, Texas 2 $ 440,000 $ 220,000 $ 0
Falls Church, Virginia 2 $ 360,000 $ 180,000 $ 217,000
Lee, Virginia 2 $ 630,000 $ 315,000 $ 87,000
Berkeley, West Virginia 2 $ 470,000 $ 235,000 $ 102,000
Hardy, West Virginia 2 $ 590,000 $ 295,000 $ 147,000
Baldwin, Alabama 1 $ 65,000 $ 65,000 $ 0
Chambers, Alabama 1 $ 115,000 $ 115,000 $ 0
Choctaw, Alabama 1 $ 65,000 $ 65,000 $ 0
Clarke, Alabama 1 $ 105,000 $ 105,000 $ 0
Clay, Alabama 1 $ 115,000 $ 115,000 $ 0
Covington, Alabama 1 $ 105,000 $ 105,000 $ 0
DeKalb, Alabama 1 $ 105,000 $ 105,000 $ 0
Fayette, Alabama 1 $ 155,000 $ 155,000 $ 0
Greene, Alabama 1 $ 95,000 $ 95,000 $ 0
Henry, Alabama 1 $ 55,000 $ 55,000 $ 0
Lamar, Alabama 1 $ 75,000 $ 75,000 $ 0
Lawrence, Alabama 1 $ 25,000 $ 25,000 $ 0
Marion, Alabama 1 $ 115,000 $ 115,000 $ 0
Perry, Alabama 1 $ 75,000 $ 75,000 $ 0
Randolph, Alabama 1 $ 85,000 $ 85,000 $ 0
Shelby, Alabama 1 $ 105,000 $ 105,000 $ 0
Sumter, Alabama 1 $ 85,000 $ 85,000 $ 0
Tallapoosa, Alabama 1 $ 65,000 $ 65,000 $ 0
Winston, Alabama 1 $ 105,000 $ 105,000 $ 0
Mohave, Arizona 1 $ 115,000 $ 115,000 $ 117,000
Pima, Arizona 1 $ 155,000 $ 155,000 $ 69,000
Franklin, Arkansas 1 $ 185,000 $ 185,000 $ 199,000
Phillips, Arkansas 1 $ 25,000 $ 25,000 $ 122,000
Fresno, California 1 $ 105,000 $ 105,000 $ 458,000
Sacramento, California 1 $ 65,000 $ 65,000 $ 128,000
Sonoma, California 1 $ 405,000 $ 405,000 $ 171,000
New Castle, Delaware 1 $ 305,000 $ 305,000 $ 139,000
Bay, Florida 1 $ 115,000 $ 115,000 $ 0
Charlotte, Florida 1 $ 35,000 $ 35,000 $ 127,000
Citrus, Florida 1 $ 215,000 $ 215,000 $ 88,000
Clay, Florida 1 $ 165,000 $ 165,000 $ 0
DeSoto, Florida 1 $ 185,000 $ 185,000 $ 0
Dixie, Florida 1 $ 155,000 $ 155,000 $ 0
Gadsden, Florida 1 $ 65,000 $ 65,000 $ 0
Gilchrist, Florida 1 $ 115,000 $ 115,000 $ 0
Hamilton, Florida 1 $ 85,000 $ 85,000 $ 0
Highlands, Florida 1 $ 35,000 $ 35,000 $ 0
Lake, Florida 1 $ 45,000 $ 45,000 $ 0
Manatee, Florida 1 $ 715,000 $ 715,000 $ 300,000
Martin, Florida 1 $ 35,000 $ 35,000 $ 0
Osceola, Florida 1 $ 365,000 $ 365,000 $ 1,200,000
Santa Rosa, Florida 1 $ 45,000 $ 45,000 $ 0
Sumter, Florida 1 $ 35,000 $ 35,000 $ 73,000
Taylor, Florida 1 $ 75,000 $ 75,000 $ 0
Volusia, Florida 1 $ 25,000 $ 25,000 $ 0
Appling, Georgia 1 $ 105,000 $ 105,000 $ 0
Banks, Georgia 1 $ 355,000 $ 355,000 $ 103,000
Bartow, Georgia 1 $ 115,000 $ 115,000 $ 47,000
Bryan, Georgia 1 $ 35,000 $ 35,000 $ 0
Bulloch, Georgia 1 $ 135,000 $ 135,000 $ 70,000
Clayton, Georgia 1 $ 155,000 $ 155,000 $ 116,000
Columbia, Georgia 1 $ 95,000 $ 95,000 $ 0
Crisp, Georgia 1 $ 65,000 $ 65,000 $ 0
Douglas, Georgia 1 $ 115,000 $ 115,000 $ 115,000
Effingham, Georgia 1 $ 135,000 $ 135,000 $ 0
Floyd, Georgia 1 $ 105,000 $ 105,000 $ 0
Forsyth, Georgia 1 $ 75,000 $ 75,000 $ 173,000
Gordon, Georgia 1 $ 275,000 $ 275,000 $ 134,000
Greene, Georgia 1 $ 75,000 $ 75,000 $ 55,000
Lumpkin, Georgia 1 $ 75,000 $ 75,000 $ 38,000
Meriwether, Georgia 1 $ 135,000 $ 135,000 $ 0
Newton, Georgia 1 $ 45,000 $ 45,000 $ 73,000
Oconee, Georgia 1 $ 35,000 $ 35,000 $ 76,000
Putnam, Georgia 1 $ 125,000 $ 125,000 $ 0
Seminole, Georgia 1 $ 95,000 $ 95,000 $ 0
Spalding, Georgia 1 $ 505,000 $ 505,000 $ 126,000
Thomas, Georgia 1 $ 35,000 $ 35,000 $ 0
Toombs, Georgia 1 $ 85,000 $ 85,000 $ 0
Treutlen, Georgia 1 $ 105,000 $ 105,000 $ 0
Carroll, Illinois 1 $ 165,000 $ 165,000 $ 88,000
Kendall, Illinois 1 $ 235,000 $ 235,000 $ 208,000
Hamilton, Indiana 1 $ 395,000 $ 395,000 $ 315,000
Lake, Indiana 1 $ 185,000 $ 185,000 $ 13,000
Monroe, Indiana 1 $ 285,000 $ 285,000 $ 106,000
Dickinson, Iowa 1 $ 245,000 $ 245,000 $ 179,000
Johnson, Kansas 1 $ 355,000 $ 355,000 $ 155,000
Bullitt, Kentucky 1 $ 95,000 $ 95,000 $ 138,000
Campbell, Kentucky 1 $ 425,000 $ 425,000 $ 155,000
Jefferson, Kentucky 1 $ 455,000 $ 455,000 $ 98,000
Lawrence, Kentucky 1 $ 205,000 $ 205,000 $ 73,000
Whitley, Kentucky 1 $ 115,000 $ 115,000 $ 64,000
Livingston, Louisiana 1 $ 105,000 $ 105,000 $ 150,000
St. Tammany, Louisiana 1 $ 115,000 $ 115,000 $ 63,000
Talbot, Maryland 1 $ 105,000 $ 105,000 $ 230,000
Essex, Massachusetts 1 $ 105,000 $ 105,000 $ 217,000
Hampden, Massachusetts 1 $ 65,000 $ 65,000 $ 194,000
Worcester, Massachusetts 1 $ 55,000 $ 55,000 $ 98,000
Wayne, Michigan 1 $ 175,000 $ 175,000 $ 85,000
Chickasaw, Mississippi 1 $ 165,000 $ 165,000 $ 0
DeSoto, Mississippi 1 $ 225,000 $ 225,000 $ 93,000
Hancock, Mississippi 1 $ 145,000 $ 145,000 $ 0
Hinds, Mississippi 1 $ 205,000 $ 205,000 $ 89,000
Holmes, Mississippi 1 $ 95,000 $ 95,000 $ 0
Jones, Mississippi 1 $ 165,000 $ 165,000 $ 0
Kemper, Mississippi 1 $ 75,000 $ 75,000 $ 0
Leake, Mississippi 1 $ 185,000 $ 185,000 $ 0
Lee, Mississippi 1 $ 85,000 $ 85,000 $ 0
Lincoln, Mississippi 1 $ 185,000 $ 185,000 $ 0
Marion, Mississippi 1 $ 135,000 $ 135,000 $ 0
Noxubee, Mississippi 1 $ 85,000 $ 85,000 $ 0
Oktibbeha, Mississippi 1 $ 105,000 $ 105,000 $ 0
Pearl River, Mississippi 1 $ 95,000 $ 95,000 $ 0
Perry, Mississippi 1 $ 135,000 $ 135,000 $ 0
Pontotoc, Mississippi 1 $ 115,000 $ 115,000 $ 0
Scott, Mississippi 1 $ 85,000 $ 85,000 $ 0
Smith, Mississippi 1 $ 125,000 $ 125,000 $ 0
Sunflower, Mississippi 1 $ 305,000 $ 305,000 $ 208,000
Tate, Mississippi 1 $ 175,000 $ 175,000 $ 0
Warren, Mississippi 1 $ 55,000 $ 55,000 $ 0
Wayne, Mississippi 1 $ 25,000 $ 25,000 $ 0
Winston, Mississippi 1 $ 85,000 $ 85,000 $ 0
Barton, Missouri 1 $ 105,000 $ 105,000 $ 113,000
Greene, Missouri 1 $ 315,000 $ 315,000 $ 111,000
St. Louis City, Missouri 1 $ 145,000 $ 145,000 $ 67,000
Madison, Montana 1 $ 905,000 $ 905,000 $ 332,000
Missoula, Montana 1 $ 365,000 $ 365,000 $ 94,000
Red Willow, Nebraska 1 $ 95,000 $ 95,000 $ 62,000
Clark, Nevada 1 $ 255,000 $ 255,000 $ 101,000
Rockingham, New Hampshire 1 $ 505,000 $ 505,000 $ 322,000
Cape May, New Jersey 1 $ 165,000 $ 165,000 $ 326,000
Cumberland, New Jersey 1 $ 35,000 $ 35,000 $ 142,000
Hunterdon, New Jersey 1 $ 215,000 $ 215,000 $ 79,000
Mercer, New Jersey 1 $ 25,000 $ 25,000 $ 138,000
Monmouth, New Jersey 1 $ 75,000 $ 75,000 $ 179,000
Union, New Jersey 1 $ 45,000 $ 45,000 $ 131,000
Warren, New Jersey 1 $ 85,000 $ 85,000 $ 403,000
Albany, New York 1 $ 275,000 $ 275,000 $ 80,000
Chemung, New York 1 $ 55,000 $ 55,000 $ 100,000
Bladen, North Carolina 1 $ 95,000 $ 95,000 $ 0
Cabarrus, North Carolina 1 $ 75,000 $ 75,000 $ 0
Craven, North Carolina 1 $ 265,000 $ 265,000 $ 155,000
Durham, North Carolina 1 $ 145,000 $ 145,000 $ 65,000
Granville, North Carolina 1 $ 215,000 $ 215,000 $ 113,000
Guilford, North Carolina 1 $ 75,000 $ 75,000 $ 0
Halifax, North Carolina 1 $ 225,000 $ 225,000 $ 185,000
Henderson, North Carolina 1 $ 315,000 $ 315,000 $ 140,000
Iredell, North Carolina 1 $ 55,000 $ 55,000 $ 0
Pender, North Carolina 1 $ 55,000 $ 55,000 $ 0
Pitt, North Carolina 1 $ 115,000 $ 115,000 $ 59,000
Richmond, North Carolina 1 $ 85,000 $ 85,000 $ 0
Robeson, North Carolina 1 $ 105,000 $ 105,000 $ 0
Transylvania, North Carolina 1 $ 165,000 $ 165,000 $ 85,000
Wayne, North Carolina 1 $ 75,000 $ 75,000 $ 77,000
Allen, Ohio 1 $ 145,000 $ 145,000 $ 84,000
Clermont, Ohio 1 $ 485,000 $ 485,000 $ 155,000
Lake, Ohio 1 $ 215,000 $ 215,000 $ 99,000
Lawrence, Ohio 1 $ 55,000 $ 55,000 $ 101,000
Lucas, Ohio 1 $ 55,000 $ 55,000 $ 357,000
Warren, Ohio 1 $ 225,000 $ 225,000 $ 59,000
Oklahoma, Oklahoma 1 $ 325,000 $ 325,000 $ 123,000
Polk, Oregon 1 $ 125,000 $ 125,000 $ 83,000
Bucks, Pennsylvania 1 $ 85,000 $ 85,000 $ 40,000
Delaware, Pennsylvania 1 $ 55,000 $ 55,000 $ 85,000
Lancaster, Pennsylvania 1 $ 115,000 $ 115,000 $ 78,000
Northumberland, Pennsylvania 1 $ 55,000 $ 55,000 $ 66,000
Philadelphia, Pennsylvania 1 $ 195,000 $ 195,000 $ 211,000
Schuylkill, Pennsylvania 1 $ 25,000 $ 25,000 $ 118,000
Somerset, Pennsylvania 1 $ 55,000 $ 55,000 $ 61,000
Susquehanna, Pennsylvania 1 $ 85,000 $ 85,000 $ 170,000
Kent, Rhode Island 1 $ 285,000 $ 285,000 $ 106,000
Bamberg, South Carolina 1 $ 55,000 $ 55,000 $ 57,000
Berkeley, South Carolina 1 $ 85,000 $ 85,000 $ 0
Colleton, South Carolina 1 $ 65,000 $ 65,000 $ 0
Dorchester, South Carolina 1 $ 45,000 $ 45,000 $ 0
Kershaw, South Carolina 1 $ 95,000 $ 95,000 $ 0
Laurens, South Carolina 1 $ 105,000 $ 105,000 $ 0
Orangeburg, South Carolina 1 $ 45,000 $ 45,000 $ 96,000
Richland, South Carolina 1 $ 95,000 $ 95,000 $ 0
Saluda, South Carolina 1 $ 65,000 $ 65,000 $ 0
Spartanburg, South Carolina 1 $ 295,000 $ 295,000 $ 124,000
Sumter, South Carolina 1 $ 105,000 $ 105,000 $ 0
McCook, South Dakota 1 $ 165,000 $ 165,000 $ 123,000
Cumberland, Tennessee 1 $ 135,000 $ 135,000 $ 145,000
Davidson, Tennessee 1 $ 545,000 $ 545,000 $ 189,000
Atascosa, Texas 1 $ 95,000 $ 95,000 $ 0
Bee, Texas 1 $ 125,000 $ 125,000 $ 0
Bell, Texas 1 $ 95,000 $ 95,000 $ 0
Brazos, Texas 1 $ 175,000 $ 175,000 $ 0
Brown, Texas 1 $ 135,000 $ 135,000 $ 0
Burleson, Texas 1 $ 75,000 $ 75,000 $ 0
Burnet, Texas 1 $ 135,000 $ 135,000 $ 59,000
Caldwell, Texas 1 $ 75,000 $ 75,000 $ 0
Cass, Texas 1 $ 85,000 $ 85,000 $ 0
Chambers, Texas 1 $ 75,000 $ 75,000 $ 0
Clay, Texas 1 $ 125,000 $ 125,000 $ 0
Cooke, Texas 1 $ 135,000 $ 135,000 $ 0
Eastland, Texas 1 $ 185,000 $ 185,000 $ 0
Erath, Texas 1 $ 215,000 $ 215,000 $ 0
Fayette, Texas 1 $ 125,000 $ 125,000 $ 0
Frio, Texas 1 $ 45,000 $ 45,000 $ 0
Glasscock, Texas 1 $ 185,000 $ 185,000 $ 0
Gonzales, Texas 1 $ 105,000 $ 105,000 $ 0
Guadalupe, Texas 1 $ 85,000 $ 85,000 $ 0
Hamilton, Texas 1 $ 125,000 $ 125,000 $ 0
Hays, Texas 1 $ 195,000 $ 195,000 $ 0
Henderson, Texas 1 $ 125,000 $ 125,000 $ 0
Karnes, Texas 1 $ 105,000 $ 105,000 $ 0
Kaufman, Texas 1 $ 115,000 $ 115,000 $ 0
Lamar, Texas 1 $ 225,000 $ 225,000 $ 93,000
Lampasas, Texas 1 $ 95,000 $ 95,000 $ 0
Lavaca, Texas 1 $ 155,000 $ 155,000 $ 0
Liberty, Texas 1 $ 105,000 $ 105,000 $ 0
Limestone, Texas 1 $ 185,000 $ 185,000 $ 0
Medina, Texas 1 $ 125,000 $ 125,000 $ 0
Panola, Texas 1 $ 125,000 $ 125,000 $ 0
Parker, Texas 1 $ 135,000 $ 135,000 $ 0
Polk, Texas 1 $ 115,000 $ 115,000 $ 0
Presidio, Texas 1 $ 135,000 $ 135,000 $ 0
Randall, Texas 1 $ 25,000 $ 25,000 $ 169,000
Sabine, Texas 1 $ 155,000 $ 155,000 $ 0
Shelby, Texas 1 $ 75,000 $ 75,000 $ 0
Stephens, Texas 1 $ 125,000 $ 125,000 $ 0
Stonewall, Texas 1 $ 125,000 $ 125,000 $ 0
Taylor, Texas 1 $ 95,000 $ 95,000 $ 52,000
Terry, Texas 1 $ 165,000 $ 165,000 $ 0
Victoria, Texas 1 $ 85,000 $ 85,000 $ 0
Walker, Texas 1 $ 135,000 $ 135,000 $ 0
Waller, Texas 1 $ 145,000 $ 145,000 $ 0
Webb, Texas 1 $ 165,000 $ 165,000 $ 173,000
Wood, Texas 1 $ 85,000 $ 85,000 $ 0
Amherst, Virginia 1 $ 195,000 $ 195,000 $ 80,000
Bedford, Virginia 1 $ 195,000 $ 195,000 $ 96,000
Caroline, Virginia 1 $ 105,000 $ 105,000 $ 148,000
Chesterfield, Virginia 1 $ 215,000 $ 215,000 $ 140,000
Clarke, Virginia 1 $ 805,000 $ 805,000 $ 199,000
Franklin, Virginia 1 $ 145,000 $ 145,000 $ 123,000
Fredericksburg, Virginia 1 $ 105,000 $ 105,000 $ 122,000
Hampton, Virginia 1 $ 235,000 $ 235,000 $ 47,000
King William, Virginia 1 $ 375,000 $ 375,000 $ 155,000
Lexington, Virginia 1 $ 315,000 $ 315,000 $ 345,000
Manassas, Virginia 1 $ 85,000 $ 85,000 $ 201,000
New Kent, Virginia 1 $ 25,000 $ 25,000 $ 69,000
Norfolk, Virginia 1 $ 195,000 $ 195,000 $ 111,000
Northumberland, Virginia 1 $ 115,000 $ 115,000 $ 225,000
Richmond City, Virginia 1 $ 205,000 $ 205,000 $ 123,000
Tazewell, Virginia 1 $ 105,000 $ 105,000 $ 77,000
Virginia Beach, Virginia 1 $ 225,000 $ 225,000 $ 118,000
King, Washington 1 $ 305,000 $ 305,000 $ 72,000
Barbour, West Virginia 1 $ 135,000 $ 135,000 $ 61,000
Braxton, West Virginia 1 $ 105,000 $ 105,000 $ 165,000
Doddridge, West Virginia 1 $ 235,000 $ 235,000 $ 118,000
McDowell, West Virginia 1 $ 95,000 $ 95,000 $ 86,000
Preston, West Virginia 1 $ 225,000 $ 225,000 $ 106,000
Randolph, West Virginia 1 $ 75,000 $ 75,000 $ 178,000
Summers, West Virginia 1 $ 65,000 $ 65,000 $ 104,000
Upshur, West Virginia 1 $ 205,000 $ 205,000 $ 111,000
Wayne, West Virginia 1 $ 15,000 $ 15,000 $ 136,000
Wood, West Virginia 1 $ 135,000 $ 135,000 $ 218,000

Mortgage Loan Application Detail Totals for Justice Federal Credit Union in 2021

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 966 $248,240,000 $256,000 $1,805,000 $135,000 $1,490,000
Home Improvement 323 $31,405,000 $97,000 $255,000 $201,000 $9,618,000
Refinancing 293 $84,115,000 $287,000 $1,735,000 $142,000 $1,200,000
Cash-out Refinancing 102 $10,570,000 $103,000 $825,000 $149,000 $560,000
Other Purpose 44 $3,760,000 $85,000 $255,000 $150,000 $403,000
Not Applicable 0 $0 $0 $0 $0 $0

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 881 $176,205,000 $200,000 $1,805,000 $162,000 $4,516,000
Black or African American 386 $93,430,000 $242,000 $1,205,000 $154,000 $9,618,000
Not Provided 223 $53,545,000 $240,000 $1,735,000 $139,000 $916,000
Hispanic 156 $33,240,000 $213,000 $755,000 $135,000 $1,200,000
Asian 54 $13,390,000 $247,000 $885,000 $139,000 $382,000
American Indian or Alaskan Native 10 $2,050,000 $205,000 $555,000 $141,000 $234,000
Native Hawaiian or Other Pacific Islander 4 $1,630,000 $407,000 $825,000 $195,000 $254,000
Not applicable 1 $95,000 $95,000 $95,000 $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) 1,728 $378,090,000 $218,000 $1,805,000 $153,000 $9,618,000
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 590 $125,480,000 $212,000 $1,735,000 $153,000 $916,000
Loan Purchased By The Institution 345 $35,455,000 $102,000 $235,000 $0 $0
Preapproval Approved but not Accepted 336 $122,710,000 $365,000 $1,805,000 $140,000 $1,490,000
Application Approved But Not Accepted 183 $41,645,000 $227,000 $1,485,000 $144,000 $409,000
Application Denied By Financial Institution 96 $19,890,000 $207,000 $805,000 $116,000 $1,200,000
Application Withdrawn By Applicant 95 $11,295,000 $118,000 $755,000 $304,000 $9,618,000
Preapproval Denied by Financial Institution 81 $20,995,000 $259,000 $765,000 $96,000 $550,000
File Closed For Incompleteness 2 $620,000 $310,000 $455,000 $157,000 $230,000

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
Not applicable 1,551 $337,205,000 $217,000 $1,805,000 $160,000 $9,618,000
Credit History 104 $22,660,000 $217,000 $805,000 $104,000 $550,000
Debt-To-Income Ratio 47 $11,585,000 $246,000 $575,000 $83,000 $228,000
Collateral 15 $3,715,000 $247,000 $535,000 $187,000 $1,200,000
Other 6 $1,240,000 $206,000 $375,000 $120,000 $208,000
Insufficient Cash (Downpayment, Closing Cost) 3 $1,025,000 $341,000 $505,000 $110,000 $136,000
Credit Application Incomplete 1 $405,000 $405,000 $405,000 $147,000 $147,000
Employment History 1 $255,000 $255,000 $255,000 $240,000 $240,000
Mortgage Insurance Denied 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 2021 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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