Justice Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Justice Federal Credit Union 2023 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 | 1,028 |
| Total Mortgage Loan Application Amount | $179,520,000 |
| Average Mortgage Loan Application Amount | $212,600 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $154,600 |
| Highest Applicant Income | $2,445,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 65 | $ 5,965,000 | $ 91,000 | $ 134,000 |
| District of Columbia County District Of Columbia | 29 | $ 4,165,000 | $ 143,000 | $ 169,000 |
| Fairfax County Virginia | 29 | $ 4,105,000 | $ 141,000 | $ 196,000 |
| Harrison County West Virginia | 26 | $ 2,600,000 | $ 100,000 | $ 120,000 |
| Prince William County Virginia | 22 | $ 2,570,000 | $ 116,000 | $ 162,000 |
| Montgomery County Maryland | 21 | $ 2,525,000 | $ 120,000 | $ 196,000 |
| Loudoun County Virginia | 21 | $ 2,965,000 | $ 141,000 | $ 260,000 |
| Los Angeles County California | 20 | $ 2,730,000 | $ 136,000 | $ 164,000 |
| Broward County Florida | 20 | $ 2,440,000 | $ 122,000 | $ 126,000 |
| Stafford County Virginia | 19 | $ 2,045,000 | $ 107,000 | $ 161,000 |
| Charles County Maryland | 18 | $ 1,720,000 | $ 95,000 | $ 142,000 |
| Miami-Dade County Florida | 13 | $ 1,905,000 | $ 146,000 | $ 114,000 |
| San Bernardino County California | 10 | $ 1,490,000 | $ 149,000 | $ 163,000 |
| Arlington County Virginia | 10 | $ 2,220,000 | $ 222,000 | $ 211,000 |
| Marion County West Virginia | 10 | $ 1,000,000 | $ 100,000 | $ 156,000 |
| Tarrant County Texas | 9 | $ 1,225,000 | $ 136,000 | $ 106,000 |
| Horry County South Carolina | 8 | $ 1,210,000 | $ 151,000 | $ 114,000 |
| Monongalia County West Virginia | 8 | $ 820,000 | $ 102,000 | $ 115,000 |
| Palm Beach County Florida | 7 | $ 1,665,000 | $ 237,000 | $ 179,000 |
| Fulton County Georgia | 7 | $ 1,495,000 | $ 213,000 | $ 154,000 |
| Cook County Illinois | 7 | $ 1,065,000 | $ 152,000 | $ 170,000 |
| Anne Arundel County Maryland | 7 | $ 825,000 | $ 117,000 | $ 192,000 |
| Baltimore County Maryland | 6 | $ 640,000 | $ 106,000 | $ 129,000 |
| Frederick County Maryland | 6 | $ 650,000 | $ 108,000 | $ 140,000 |
| Harris County Texas | 6 | $ 520,000 | $ 86,000 | $ 111,000 |
| Spotsylvania County Virginia | 6 | $ 610,000 | $ 101,000 | $ 196,000 |
| Riverside County California | 5 | $ 755,000 | $ 151,000 | $ 152,000 |
| Duval County Florida | 5 | $ 525,000 | $ 105,000 | $ 189,000 |
| Carroll County Georgia | 5 | $ 605,000 | $ 121,000 | $ 78,000 |
| Henry County Georgia | 5 | $ 595,000 | $ 119,000 | $ 120,000 |
| Burlington County New Jersey | 5 | $ 895,000 | $ 179,000 | $ 139,000 |
| Monmouth County New Jersey | 5 | $ 745,000 | $ 149,000 | $ 178,000 |
| Mecklenburg County North Carolina | 5 | $ 865,000 | $ 173,000 | $ 178,000 |
| Wake County North Carolina | 5 | $ 365,000 | $ 73,000 | $ 72,000 |
| Travis County Texas | 5 | $ 515,000 | $ 103,000 | $ 163,000 |
| Fauquier County Virginia | 5 | $ 565,000 | $ 113,000 | $ 110,000 |
| Berkeley County West Virginia | 5 | $ 525,000 | $ 105,000 | $ 125,000 |
| Fairfield County Connecticut | 4 | $ 1,100,000 | $ 275,000 | $ 174,000 |
| Citrus County Florida | 4 | $ 800,000 | $ 200,000 | $ 105,000 |
| Cobb County Georgia | 4 | $ 220,000 | $ 55,000 | $ 51,000 |
| Douglas County Georgia | 4 | $ 460,000 | $ 115,000 | $ 48,000 |
| Forsyth County Georgia | 4 | $ 740,000 | $ 185,000 | $ 119,000 |
| Montgomery County Texas | 4 | $ 280,000 | $ 70,000 | $ 126,000 |
| Alexandria County Virginia | 4 | $ 620,000 | $ 155,000 | $ 239,000 |
| Chesterfield County Virginia | 4 | $ 1,000,000 | $ 250,000 | $ 154,000 |
| Fresno County California | 3 | $ 305,000 | $ 101,000 | $ 118,000 |
| San Diego County California | 3 | $ 555,000 | $ 185,000 | $ 181,000 |
| Lake County Florida | 3 | $ 515,000 | $ 171,000 | $ 126,000 |
| Manatee County Florida | 3 | $ 365,000 | $ 121,000 | $ 152,000 |
| Orange County Florida | 3 | $ 305,000 | $ 101,000 | $ 153,000 |
| Sarasota County Florida | 3 | $ 575,000 | $ 191,000 | $ 135,000 |
| Clayton County Georgia | 3 | $ 355,000 | $ 118,000 | $ 79,000 |
| Monroe County Georgia | 3 | $ 415,000 | $ 138,000 | $ 85,000 |
| Spalding County Georgia | 3 | $ 115,000 | $ 38,000 | $ 82,000 |
| Baltimore City County Maryland | 3 | $ 375,000 | $ 125,000 | $ 140,000 |
| Howard County Maryland | 3 | $ 285,000 | $ 95,000 | $ 191,000 |
| Atlantic County New Jersey | 3 | $ 195,000 | $ 65,000 | $ 75,000 |
| Bergen County New Jersey | 3 | $ 785,000 | $ 261,000 | $ 147,000 |
| Ocean County New Jersey | 3 | $ 265,000 | $ 88,000 | $ 185,000 |
| Nassau County New York | 3 | $ 405,000 | $ 135,000 | $ 91,000 |
| Buncombe County North Carolina | 3 | $ 355,000 | $ 118,000 | $ 105,000 |
| Forsyth County North Carolina | 3 | $ 175,000 | $ 58,000 | $ 130,000 |
| Allegheny County Pennsylvania | 3 | $ 745,000 | $ 248,000 | $ 150,000 |
| Philadelphia County Pennsylvania | 3 | $ 485,000 | $ 161,000 | $ 130,000 |
| Fort Bend County Texas | 3 | $ 555,000 | $ 185,000 | $ 88,000 |
| Victoria County Texas | 3 | $ 345,000 | $ 115,000 | $ 0 |
| Culpeper County Virginia | 3 | $ 705,000 | $ 235,000 | $ 169,000 |
| Madison County Alabama | 2 | $ 630,000 | $ 315,000 | $ 170,000 |
| Crittenden County Arkansas | 2 | $ 120,000 | $ 60,000 | $ 96,000 |
| Ventura County California | 2 | $ 330,000 | $ 165,000 | $ 185,000 |
| New Haven County Connecticut | 2 | $ 80,000 | $ 40,000 | $ 194,000 |
| Seminole County Florida | 2 | $ 170,000 | $ 85,000 | $ 111,000 |
| DeKalb County Georgia | 2 | $ 820,000 | $ 410,000 | $ 245,000 |
| Lee County Georgia | 2 | $ 380,000 | $ 190,000 | $ 96,000 |
| DuPage County Illinois | 2 | $ 150,000 | $ 75,000 | $ 120,000 |
| Will County Illinois | 2 | $ 330,000 | $ 165,000 | $ 131,000 |
| Calvert County Maryland | 2 | $ 80,000 | $ 40,000 | $ 109,000 |
| Harford County Maryland | 2 | $ 110,000 | $ 55,000 | $ 140,000 |
| Plymouth County Massachusetts | 2 | $ 180,000 | $ 90,000 | $ 141,000 |
| Essex County New Jersey | 2 | $ 110,000 | $ 55,000 | $ 125,000 |
| Hudson County New Jersey | 2 | $ 150,000 | $ 75,000 | $ 27,000 |
| Middlesex County New Jersey | 2 | $ 210,000 | $ 105,000 | $ 132,000 |
| Orange County New York | 2 | $ 160,000 | $ 80,000 | $ 192,000 |
| Queens County New York | 2 | $ 190,000 | $ 95,000 | $ 111,000 |
| Richmond County New York | 2 | $ 220,000 | $ 110,000 | $ 81,000 |
| Brunswick County North Carolina | 2 | $ 210,000 | $ 105,000 | $ 94,000 |
| Cumberland County North Carolina | 2 | $ 90,000 | $ 45,000 | $ 114,000 |
| Lenoir County North Carolina | 2 | $ 240,000 | $ 120,000 | $ 93,000 |
| Union County North Carolina | 2 | $ 410,000 | $ 205,000 | $ 91,000 |
| Lucas County Ohio | 2 | $ 670,000 | $ 335,000 | $ 202,000 |
| Stark County Ohio | 2 | $ 400,000 | $ 200,000 | $ 191,000 |
| Chester County Pennsylvania | 2 | $ 210,000 | $ 105,000 | $ 267,000 |
| Fayette County Pennsylvania | 2 | $ 290,000 | $ 145,000 | $ 220,000 |
| Montgomery County Pennsylvania | 2 | $ 210,000 | $ 105,000 | $ 103,000 |
| Washington County Pennsylvania | 2 | $ 300,000 | $ 150,000 | $ 164,000 |
| Brazos County Texas | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Cass County Texas | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Collin County Texas | 2 | $ 160,000 | $ 80,000 | $ 173,000 |
| Denton County Texas | 2 | $ 180,000 | $ 90,000 | $ 121,000 |
| Galveston County Texas | 2 | $ 440,000 | $ 220,000 | $ 221,000 |
| Grayson County Texas | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Johnson County Texas | 2 | $ 260,000 | $ 130,000 | $ 60,000 |
| Wise County Texas | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Isle of Wight County Virginia | 2 | $ 90,000 | $ 45,000 | $ 102,000 |
| Manassas County Virginia | 2 | $ 120,000 | $ 60,000 | $ 134,000 |
| Prince George County Virginia | 2 | $ 540,000 | $ 270,000 | $ 84,000 |
| Richmond County Virginia | 2 | $ 370,000 | $ 185,000 | $ 160,000 |
| Doddridge County West Virginia | 2 | $ 120,000 | $ 60,000 | $ 95,000 |
| Taylor County West Virginia | 2 | $ 160,000 | $ 80,000 | $ 99,000 |
| Jackson County Alabama | 1 | $ 265,000 | $ 265,000 | $ 47,000 |
| Maricopa County Arizona | 1 | $ 365,000 | $ 365,000 | $ 118,000 |
| Contra Costa County California | 1 | $ 255,000 | $ 255,000 | $ 205,000 |
| Orange County California | 1 | $ 155,000 | $ 155,000 | $ 245,000 |
| San Francisco County California | 1 | $ 125,000 | $ 125,000 | $ 183,000 |
| San Mateo County California | 1 | $ 255,000 | $ 255,000 | $ 198,000 |
| Sonoma County California | 1 | $ 65,000 | $ 65,000 | $ 108,000 |
| Middlesex County Connecticut | 1 | $ 25,000 | $ 25,000 | $ 120,000 |
| New London County Connecticut | 1 | $ 35,000 | $ 35,000 | $ 116,000 |
| New Castle County Delaware | 1 | $ 235,000 | $ 235,000 | $ 141,000 |
| Alachua County Florida | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Baker County Florida | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Brevard County Florida | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Charlotte County Florida | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Clay County Florida | 1 | $ 255,000 | $ 255,000 | $ 250,000 |
| Collier County Florida | 1 | $ 445,000 | $ 445,000 | $ 133,000 |
| Columbia County Florida | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Escambia County Florida | 1 | $ 75,000 | $ 75,000 | $ 115,000 |
| Hendry County Florida | 1 | $ 65,000 | $ 65,000 | $ 114,000 |
| Holmes County Florida | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Indian River County Florida | 1 | $ 65,000 | $ 65,000 | $ 97,000 |
| Jackson County Florida | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Lee County Florida | 1 | $ 75,000 | $ 75,000 | $ 138,000 |
| Madison County Florida | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Marion County Florida | 1 | $ 85,000 | $ 85,000 | $ 150,000 |
| Nassau County Florida | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Okaloosa County Florida | 1 | $ 105,000 | $ 105,000 | $ 284,000 |
| Pasco County Florida | 1 | $ 75,000 | $ 75,000 | $ 111,000 |
| Pinellas County Florida | 1 | $ 75,000 | $ 75,000 | $ 183,000 |
| Polk County Florida | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Santa Rosa County Florida | 1 | $ 135,000 | $ 135,000 | $ 85,000 |
| St. Johns County Florida | 1 | $ 25,000 | $ 25,000 | $ 66,000 |
| St. Lucie County Florida | 1 | $ 75,000 | $ 75,000 | $ 120,000 |
| Suwannee County Florida | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Wakulla County Florida | 1 | $ 55,000 | $ 55,000 | $ 85,000 |
| Baldwin County Georgia | 1 | $ 155,000 | $ 155,000 | $ 191,000 |
| Bartow County Georgia | 1 | $ 55,000 | $ 55,000 | $ 102,000 |
| Bibb County Georgia | 1 | $ 75,000 | $ 75,000 | $ 120,000 |
| Bleckley County Georgia | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Butts County Georgia | 1 | $ 225,000 | $ 225,000 | $ 54,000 |
| Cherokee County Georgia | 1 | $ 35,000 | $ 35,000 | $ 82,000 |
| Columbia County Georgia | 1 | $ 45,000 | $ 45,000 | $ 155,000 |
| Crisp County Georgia | 1 | $ 55,000 | $ 55,000 | $ 86,000 |
| Dawson County Georgia | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Dougherty County Georgia | 1 | $ 55,000 | $ 55,000 | $ 61,000 |
| Elbert County Georgia | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Hall County Georgia | 1 | $ 55,000 | $ 55,000 | $ 58,000 |
| Heard County Georgia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Lamar County Georgia | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Lumpkin County Georgia | 1 | $ 115,000 | $ 115,000 | $ 160,000 |
| Marion County Georgia | 1 | $ 45,000 | $ 45,000 | $ 58,000 |
| Paulding County Georgia | 1 | $ 25,000 | $ 25,000 | $ 47,000 |
| Putnam County Georgia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Rockdale County Georgia | 1 | $ 25,000 | $ 25,000 | $ 54,000 |
| Stephens County Georgia | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Toombs County Georgia | 1 | $ 65,000 | $ 65,000 | $ 34,000 |
| Upson County Georgia | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Walton County Georgia | 1 | $ 55,000 | $ 55,000 | $ 120,000 |
| Champaign County Illinois | 1 | $ 105,000 | $ 105,000 | $ 115,000 |
| Kane County Illinois | 1 | $ 255,000 | $ 255,000 | $ 156,000 |
| Montgomery County Illinois | 1 | $ 45,000 | $ 45,000 | $ 55,000 |
| St. Clair County Illinois | 1 | $ 155,000 | $ 155,000 | $ 76,000 |
| Winnebago County Illinois | 1 | $ 55,000 | $ 55,000 | $ 112,000 |
| Marion County Indiana | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Hancock County Maine | 1 | $ 1,055,000 | $ 1,055,000 | $ 2,445,000 |
| Carroll County Maryland | 1 | $ 165,000 | $ 165,000 | $ 95,000 |
| Washington County Maryland | 1 | $ 75,000 | $ 75,000 | $ 146,000 |
| Norfolk County Massachusetts | 1 | $ 485,000 | $ 485,000 | $ 142,000 |
| Worcester County Massachusetts | 1 | $ 155,000 | $ 155,000 | $ 76,000 |
| Hennepin County Minnesota | 1 | $ 285,000 | $ 285,000 | $ 68,000 |
| Copiah County Mississippi | 1 | $ 45,000 | $ 45,000 | $ 38,000 |
| Madison County Mississippi | 1 | $ 345,000 | $ 345,000 | $ 150,000 |
| Rankin County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 84,000 |
| St. Louis County Missouri | 1 | $ 95,000 | $ 95,000 | $ 300,000 |
| Valley County Montana | 1 | $ 175,000 | $ 175,000 | $ 165,000 |
| Douglas County Nebraska | 1 | $ 265,000 | $ 265,000 | $ 145,000 |
| Clark County Nevada | 1 | $ 465,000 | $ 465,000 | $ 263,000 |
| Hillsborough County New Hampshire | 1 | $ 355,000 | $ 355,000 | $ 136,000 |
| Camden County New Jersey | 1 | $ 105,000 | $ 105,000 | $ 233,000 |
| Cumberland County New Jersey | 1 | $ 55,000 | $ 55,000 | $ 71,000 |
| Mercer County New Jersey | 1 | $ 125,000 | $ 125,000 | $ 136,000 |
| Passaic County New Jersey | 1 | $ 45,000 | $ 45,000 | $ 85,000 |
| Sussex County New Jersey | 1 | $ 125,000 | $ 125,000 | $ 120,000 |
| Union County New Jersey | 1 | $ 55,000 | $ 55,000 | $ 161,000 |
| Warren County New Jersey | 1 | $ 35,000 | $ 35,000 | $ 321,000 |
| Bronx County New York | 1 | $ 45,000 | $ 45,000 | $ 129,000 |
| Cayuga County New York | 1 | $ 205,000 | $ 205,000 | $ 159,000 |
| Erie County New York | 1 | $ 155,000 | $ 155,000 | $ 120,000 |
| Livingston County New York | 1 | $ 55,000 | $ 55,000 | $ 307,000 |
| Montgomery County New York | 1 | $ 105,000 | $ 105,000 | $ 137,000 |
| Oneida County New York | 1 | $ 245,000 | $ 245,000 | $ 82,000 |
| Rockland County New York | 1 | $ 155,000 | $ 155,000 | $ 93,000 |
| Steuben County New York | 1 | $ 45,000 | $ 45,000 | $ 150,000 |
| Suffolk County New York | 1 | $ 205,000 | $ 205,000 | $ 179,000 |
| Westchester County New York | 1 | $ 105,000 | $ 105,000 | $ 147,000 |
| Bladen County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Durham County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 60,000 |
| Moore County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 142,000 |
| Pitt County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 314,000 |
| Stokes County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Cuyahoga County Ohio | 1 | $ 35,000 | $ 35,000 | $ 79,000 |
| Delaware County Ohio | 1 | $ 35,000 | $ 35,000 | $ 61,000 |
| Franklin County Ohio | 1 | $ 155,000 | $ 155,000 | $ 174,000 |
| Mahoning County Ohio | 1 | $ 25,000 | $ 25,000 | $ 108,000 |
| Logan County Oklahoma | 1 | $ 345,000 | $ 345,000 | $ 127,000 |
| Bucks County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 312,000 |
| Delaware County Pennsylvania | 1 | $ 595,000 | $ 595,000 | $ 183,000 |
| Lancaster County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 99,000 |
| Northumberland County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 74,000 |
| Pike County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 153,000 |
| Schuylkill County Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 240,000 |
| York County Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 143,000 |
| Anderson County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Berkeley County South Carolina | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Charleston County South Carolina | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Clarendon County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 112,000 |
| Marlboro County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Johnson County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 37,000 |
| Montgomery County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 175,000 |
| Andrews County Texas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Bandera County Texas | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Bexar County Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Colorado County Texas | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Comal County Texas | 1 | $ 55,000 | $ 55,000 | $ 76,000 |
| Ector County Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| El Paso County Texas | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| Ellis County Texas | 1 | $ 75,000 | $ 75,000 | $ 133,000 |
| Fannin County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Gillespie County Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Gonzales County Texas | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Hardin County Texas | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Jackson County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Kendall County Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Lavaca County Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Live Oak County Texas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Matagorda County Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Midland County Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Morris County Texas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Parker County Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Polk County Texas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Robertson County Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Rusk County Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Smith County Texas | 1 | $ 95,000 | $ 95,000 | $ 112,000 |
| Stephens County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Trinity County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Tyler County Texas | 1 | $ 155,000 | $ 155,000 | $ 72,000 |
| Webb County Texas | 1 | $ 195,000 | $ 195,000 | $ 160,000 |
| Williamson County Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Zapata County Texas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Albemarle County Virginia | 1 | $ 75,000 | $ 75,000 | $ 128,000 |
| Bedford County Virginia | 1 | $ 65,000 | $ 65,000 | $ 66,000 |
| Brunswick County Virginia | 1 | $ 35,000 | $ 35,000 | $ 57,000 |
| Caroline County Virginia | 1 | $ 55,000 | $ 55,000 | $ 168,000 |
| Essex County Virginia | 1 | $ 85,000 | $ 85,000 | $ 116,000 |
| Fairfax City County Virginia | 1 | $ 255,000 | $ 255,000 | $ 236,000 |
| Franklin County Virginia | 1 | $ 105,000 | $ 105,000 | $ 70,000 |
| Fredericksburg County Virginia | 1 | $ 395,000 | $ 395,000 | $ 212,000 |
| Goochland County Virginia | 1 | $ 255,000 | $ 255,000 | $ 341,000 |
| Henrico County Virginia | 1 | $ 15,000 | $ 15,000 | $ 77,000 |
| Lee County Virginia | 1 | $ 165,000 | $ 165,000 | $ 207,000 |
| New Kent County Virginia | 1 | $ 55,000 | $ 55,000 | $ 105,000 |
| Orange County Virginia | 1 | $ 375,000 | $ 375,000 | $ 359,000 |
| Portsmouth County Virginia | 1 | $ 75,000 | $ 75,000 | $ 92,000 |
| Shenandoah County Virginia | 1 | $ 355,000 | $ 355,000 | $ 425,000 |
| Tazewell County Virginia | 1 | $ 35,000 | $ 35,000 | $ 59,000 |
| Virginia Beach County Virginia | 1 | $ 15,000 | $ 15,000 | $ 158,000 |
| Warren County Virginia | 1 | $ 95,000 | $ 95,000 | $ 112,000 |
| Braxton County West Virginia | 1 | $ 55,000 | $ 55,000 | $ 92,000 |
| Gilmer County West Virginia | 1 | $ 55,000 | $ 55,000 | $ 90,000 |
| Jefferson County West Virginia | 1 | $ 115,000 | $ 115,000 | $ 252,000 |
| Kanawha County West Virginia | 1 | $ 65,000 | $ 65,000 | $ 186,000 |
| Lewis County West Virginia | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| Mercer County West Virginia | 1 | $ 65,000 | $ 65,000 | $ 67,000 |
| Preston County West Virginia | 1 | $ 45,000 | $ 45,000 | $ 137,000 |
| Upshur County West Virginia | 1 | $ 145,000 | $ 145,000 | $ 70,000 |
| Wyoming County West Virginia | 1 | $ 25,000 | $ 25,000 | $ 114,000 |
| Sauk County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for Justice Federal Credit Union in 2023
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 | 386 | $112,350,000 | $291,000 | $2,005,000 | $159,000 | $2,445,000 |
| Home Improvement | 337 | $32,245,000 | $95,000 | $285,000 | $156,000 | $1,200,000 |
| Other Purpose | 227 | $21,485,000 | $94,000 | $255,000 | $138,000 | $600,000 |
| Refinancing | 74 | $11,740,000 | $158,000 | $525,000 | $135,000 | $388,000 |
| Cash-out Refinancing | 4 | $1,700,000 | $425,000 | $855,000 | $185,000 | $267,000 |
| 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 | 384 | $68,000,000 | $177,000 | $2,005,000 | $154,000 | $1,838,000 |
| Not Provided | 247 | $42,115,000 | $170,000 | $955,000 | $150,000 | $600,000 |
| Black or African American | 198 | $34,290,000 | $173,000 | $875,000 | $134,000 | $624,000 |
| Not applicable | 81 | $10,265,000 | $126,000 | $265,000 | $0 | $0 |
| Hispanic | 67 | $12,745,000 | $190,000 | $725,000 | $145,000 | $388,000 |
| Asian | 27 | $7,265,000 | $269,000 | $1,085,000 | $182,000 | $557,000 |
| American Indian or Alaskan Native | 9 | $1,015,000 | $112,000 | $355,000 | $117,000 | $197,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $470,000 | $117,000 | $255,000 | $126,000 | $341,000 |
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) | 1,028 | $179,520,000 | $174,000 | $2,005,000 | $151,000 | $2,445,000 |
| 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 | 377 | $52,845,000 | $140,000 | $1,055,000 | $165,000 | $2,445,000 |
| Application Withdrawn By Applicant | 240 | $22,880,000 | $95,000 | $285,000 | $144,000 | $624,000 |
| Preapproval Approved but not Accepted | 156 | $61,680,000 | $395,000 | $2,005,000 | $175,000 | $1,838,000 |
| Application Denied By Financial Institution | 96 | $11,290,000 | $117,000 | $855,000 | $112,000 | $1,200,000 |
| Loan Purchased By The Institution | 79 | $10,145,000 | $128,000 | $265,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 44 | $11,300,000 | $256,000 | $845,000 | $92,000 | $247,000 |
| Application Approved But Not Accepted | 36 | $9,380,000 | $260,000 | $605,000 | $119,000 | $206,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 888 | $156,930,000 | $176,000 | $2,005,000 | $159,000 | $2,445,000 |
| Credit History | 70 | $7,670,000 | $109,000 | $505,000 | $103,000 | $291,000 |
| Debt-To-Income Ratio | 48 | $12,150,000 | $253,000 | $855,000 | $85,000 | $255,000 |
| Collateral | 10 | $900,000 | $90,000 | $255,000 | $229,000 | $1,200,000 |
| Other | 4 | $590,000 | $147,000 | $255,000 | $129,000 | $220,000 |
| Unverifiable Information | 4 | $310,000 | $77,000 | $145,000 | $105,000 | $175,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $645,000 | $215,000 | $285,000 | $73,000 | $92,000 |
| Mortgage Insurance Denied | 1 | $325,000 | $325,000 | $325,000 | $99,000 | $99,000 |
| 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 2023 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.