Justice Federal Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, Justice Federal Credit Union of Chantilly, VA reported 968 mortgage applications totaling $218.6 million, up 19% from 2024. The average application was for $225,847, and applicants reported an average income of $164,972. 44% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Arlington-Alexandria-Reston, VA-WV (130), Washington, DC-MD (96) and Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (35) (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 | 968 |
| Total Mortgage Loan Application Amount | $218,620,000 |
| Average Mortgage Loan Application Amount | $225,847 |
| Highest Mortgage Loan Application Amount | $1,245,000 |
| Average Applicant Income | $164,972 |
| Highest Applicant Income | $1,534,000 |
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records Justice Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 300 | $ 83,900,000 | $ 279,666 | $ 137,603 |
| Arlington-Alexandria-Reston, VA-WV | 130 | $ 29,630,000 | $ 227,923 | $ 212,753 |
| Washington, DC-MD | 96 | $ 14,720,000 | $ 153,333 | $ 169,843 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 35 | $ 7,795,000 | $ 222,714 | $ 156,000 |
| Baltimore-Columbia-Towson, MD | 27 | $ 5,575,000 | $ 206,481 | $ 193,000 |
| Miami-Miami Beach-Kendall, FL | 23 | $ 3,425,000 | $ 148,913 | $ 113,000 |
| Atlanta-Sandy Springs-Roswell, GA | 21 | $ 3,545,000 | $ 168,809 | $ 133,000 |
| Washington-Baltimore-Arlington, DC | 20 | $ 3,740,000 | $ 187,000 | $ 225,000 |
| New York-Jersey City-White Plains, NY-NJ | 19 | $ 5,695,000 | $ 299,736 | $ 168,421 |
| Chicago-Naperville, IL | 12 | $ 3,130,000 | $ 260,833 | $ 209,000 |
| Houston-The Woodlands-Sugar Land, TX | 12 | $ 2,560,000 | $ 213,333 | $ 154,000 |
| Riverside-San Bernardino-Ontario, CA | 11 | $ 3,135,000 | $ 285,000 | $ 293,000 |
| Los Angeles-Long Beach-Glendale, CA | 10 | $ 1,830,000 | $ 183,000 | $ 128,000 |
| Marietta, GA | 9 | $ 715,000 | $ 79,444 | $ 140,000 |
| Camden, NJ | 8 | $ 1,090,000 | $ 136,250 | $ 165,000 |
| Huntsville, AL | 8 | $ 2,520,000 | $ 315,000 | $ 163,000 |
| Lakewood-New Brunswick, NJ | 8 | $ 1,200,000 | $ 150,000 | $ 222,000 |
| Nassau County-Suffolk County, NY | 8 | $ 1,490,000 | $ 186,250 | $ 199,000 |
| Tampa, FL | 8 | $ 1,270,000 | $ 158,750 | $ 273,000 |
| Orlando-Kissimmee-Sanford, FL | 7 | $ 665,000 | $ 95,000 | $ 124,000 |
| Richmond, VA | 7 | $ 1,185,000 | $ 169,285 | $ 151,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 7 | $ 2,025,000 | $ 289,285 | $ 217,000 |
| Anaheim-Santa Ana-Irvine, CA | 6 | $ 1,530,000 | $ 255,000 | $ 296,000 |
| Charlotte-Concord-Gastonia, NC-SC | 6 | $ 1,040,000 | $ 173,333 | $ 152,000 |
| San Diego-Carlsbad, CA | 5 | $ 1,095,000 | $ 219,000 | $ 416,000 |
| Dallas-Plano-Irving, TX | 4 | $ 890,000 | $ 222,500 | $ 118,000 |
| Fort Worth-Arlington, TX | 4 | $ 1,800,000 | $ 450,000 | $ 208,000 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 330,000 | $ 82,500 | $ 148,500 |
| Jacksonville, FL | 4 | $ 750,000 | $ 187,500 | $ 138,000 |
| Macon-Bibb County, GA | 4 | $ 290,000 | $ 72,500 | $ 63,000 |
| Newark, NJ-PA | 4 | $ 660,000 | $ 165,000 | $ 190,000 |
| Oakland-Hayward-Berkeley, CA | 4 | $ 730,000 | $ 182,500 | $ 120,000 |
| Raleigh, NC | 4 | $ 950,000 | $ 237,500 | $ 131,000 |
| Akron, OH | 3 | $ 425,000 | $ 141,666 | $ 163,000 |
| Albany, GA | 3 | $ 325,000 | $ 108,333 | $ 156,000 |
| Boston, MA | 3 | $ 305,000 | $ 101,666 | $ 174,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 845,000 | $ 281,666 | $ 146,000 |
| Greensboro-High Point, NC | 3 | $ 635,000 | $ 211,666 | $ 128,000 |
| Jackson, MS | 3 | $ 695,000 | $ 231,666 | $ 120,000 |
| Laredo, TX | 3 | $ 335,000 | $ 111,666 | $ 159,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 605,000 | $ 201,666 | $ 99,000 |
| New Haven-Milford, CT | 3 | $ 205,000 | $ 68,333 | $ 148,000 |
| Ocala, FL | 3 | $ 645,000 | $ 215,000 | $ 172,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 295,000 | $ 98,333 | $ 142,000 |
| Philadelphia, PA | 3 | $ 215,000 | $ 71,666 | $ 96,000 |
| Terre Haute, IN | 3 | $ 1,115,000 | $ 371,666 | $ 80,000 |
| Winchester, VA-WV | 3 | $ 525,000 | $ 175,000 | $ 173,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 180,000 | $ 90,000 | $ 125,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 250,000 | $ 125,000 | $ 200,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 710,000 | $ 355,000 | $ 227,000 |
| Cincinnati, OH-KY-IN | 2 | $ 400,000 | $ 200,000 | $ 251,000 |
| Columbus, OH | 2 | $ 600,000 | $ 300,000 | $ 132,000 |
| Johnson City, TN | 2 | $ 650,000 | $ 325,000 | $ 86,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 990,000 | $ 495,000 | $ 251,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 310,000 | $ 155,000 | $ 162,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 710,000 | $ 355,000 | $ 231,000 |
| Peoria, IL | 2 | $ 60,000 | $ 30,000 | $ 40,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 550,000 | $ 275,000 | $ 203,000 |
| Pittsburgh, PA | 2 | $ 470,000 | $ 235,000 | $ 146,000 |
| San Antonio-New Braunfels, TX | 2 | $ 100,000 | $ 50,000 | $ 119,000 |
| Sebastian-Vero Beach, FL | 2 | $ 690,000 | $ 345,000 | $ 292,000 |
| St. Petersburg-Clearwater-Largo, FL | 2 | $ 130,000 | $ 65,000 | $ 200,000 |
| Wildwood-The Villages, FL | 2 | $ 320,000 | $ 160,000 | $ 247,000 |
| Abilene, TX | 1 | $ 375,000 | $ 375,000 | $ 103,000 |
| Albuquerque, NM | 1 | $ 325,000 | $ 325,000 | $ 117,000 |
| Asheville, NC | 1 | $ 65,000 | $ 65,000 | $ 214,000 |
| Athens-Clarke County, GA | 1 | $ 105,000 | $ 105,000 | $ 193,000 |
| Austin-Round Rock, TX | 1 | $ 335,000 | $ 335,000 | $ 103,000 |
| Beckley, WV | 1 | $ 35,000 | $ 35,000 | $ 131,000 |
| Bellingham, WA | 1 | $ 405,000 | $ 405,000 | $ 188,000 |
| Birmingham-Hoover, AL | 1 | $ 285,000 | $ 285,000 | $ 100,000 |
| Bloomington, IL | 1 | $ 185,000 | $ 185,000 | $ 108,000 |
| Brunswick, GA | 1 | $ 35,000 | $ 35,000 | $ 156,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 75,000 | $ 75,000 | $ 198,000 |
| Charleston, WV | 1 | $ 145,000 | $ 145,000 | $ 83,000 |
| Chattanooga, TN-GA | 1 | $ 735,000 | $ 735,000 | $ 286,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 15,000 | $ 15,000 | $ 125,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 305,000 | $ 305,000 | $ 95,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 435,000 | $ 435,000 | $ 209,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 675,000 | $ 675,000 | $ 299,000 |
| Eau Claire, WI | 1 | $ 415,000 | $ 415,000 | $ 147,000 |
| Fayetteville, NC | 1 | $ 65,000 | $ 65,000 | $ 129,000 |
| Gainesville, GA | 1 | $ 165,000 | $ 165,000 | $ 141,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 205,000 | $ 205,000 | $ 108,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 205,000 | $ 205,000 | $ 128,000 |
| Helena, MT | 1 | $ 235,000 | $ 235,000 | $ 97,000 |
| Homosassa Springs, FL | 1 | $ 75,000 | $ 75,000 | $ 115,000 |
| Idaho Falls, ID | 1 | $ 165,000 | $ 165,000 | $ 195,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 335,000 | $ 335,000 | $ 100,000 |
| Johnstown, PA | 1 | $ 75,000 | $ 75,000 | $ 71,000 |
| Joplin, MO | 1 | $ 315,000 | $ 315,000 | $ 107,000 |
| Kankakee, IL | 1 | $ 105,000 | $ 105,000 | $ 120,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 1 | $ 105,000 | $ 105,000 | $ 83,000 |
| Lake County-Porter County-Jasper County, IN | 1 | $ 65,000 | $ 65,000 | $ 135,000 |
| Lancaster, PA | 1 | $ 255,000 | $ 255,000 | $ 75,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 95,000 | $ 95,000 | $ 96,000 |
| Lawton, OK | 1 | $ 65,000 | $ 65,000 | $ 110,000 |
| Lexington Park, MD | 1 | $ 115,000 | $ 115,000 | $ 178,000 |
| Lexington-Fayette, KY | 1 | $ 385,000 | $ 385,000 | $ 171,000 |
| Madison, WI | 1 | $ 335,000 | $ 335,000 | $ 114,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 375,000 | $ 375,000 | $ 212,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 75,000 | $ 75,000 | $ 175,000 |
| Morgantown, WV | 1 | $ 225,000 | $ 225,000 | $ 108,000 |
| New Orleans-Metairie, LA | 1 | $ 295,000 | $ 295,000 | $ 100,000 |
| Norwich-New London, CT | 1 | $ 65,000 | $ 65,000 | $ 183,000 |
| Oklahoma City, OK | 1 | $ 175,000 | $ 175,000 | $ 74,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 235,000 | $ 235,000 | $ 129,000 |
| Port St. Lucie, FL | 1 | $ 75,000 | $ 75,000 | $ 93,000 |
| Provo-Orem, UT | 1 | $ 535,000 | $ 535,000 | $ 145,000 |
| Rochester, NY | 1 | $ 45,000 | $ 45,000 | $ 19,000 |
| Santa Rosa, CA | 1 | $ 655,000 | $ 655,000 | $ 174,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 555,000 | $ 555,000 | $ 162,000 |
| St. Louis, MO-IL | 1 | $ 265,000 | $ 265,000 | $ 214,000 |
| Tallahassee, FL | 1 | $ 295,000 | $ 295,000 | $ 137,000 |
| Toledo, OH | 1 | $ 95,000 | $ 95,000 | $ 157,000 |
| Waterbury-Shelton, CT | 1 | $ 55,000 | $ 55,000 | $ 58,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 195,000 | $ 195,000 | $ 64,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 155,000 | $ 155,000 | $ 264,000 |
| Wilmington, DE-MD-NJ | 1 | $ 305,000 | $ 305,000 | $ 105,000 |
| Wilmington, NC | 1 | $ 305,000 | $ 305,000 | $ 122,000 |
| Winston-Salem, NC | 1 | $ 55,000 | $ 55,000 | $ 66,000 |
| Worcester, MA-CT | 1 | $ 75,000 | $ 75,000 | $ 141,000 |
Mortgage Loan Application Detail Totals for Justice Federal Credit Union in 2025
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 | 356 | $127,540,000 | $358,000 | $1,245,000 | $156,000 | $1,534,000 |
| Home Improvement | 329 | $38,645,000 | $117,000 | $255,000 | $181,000 | $1,209,000 |
| Other Purpose | 195 | $22,785,000 | $116,000 | $255,000 | $152,000 | $660,000 |
| Refinancing | 84 | $28,180,000 | $335,000 | $755,000 | $169,000 | $425,000 |
| Cash-out Refinancing | 4 | $1,470,000 | $367,000 | $515,000 | $193,000 | $240,000 |
| 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 | 440 | $100,820,000 | $229,000 | $1,245,000 | $170,000 | $1,534,000 |
| Black or African American | 189 | $31,245,000 | $165,000 | $685,000 | $147,000 | $428,000 |
| Not Provided | 179 | $47,415,000 | $264,000 | $975,000 | $177,000 | $524,000 |
| Hispanic | 115 | $25,725,000 | $223,000 | $1,005,000 | $153,000 | $1,020,000 |
| Asian | 31 | $8,645,000 | $278,000 | $905,000 | $174,000 | $327,000 |
| American Indian or Alaskan Native | 12 | $3,900,000 | $325,000 | $805,000 | $158,000 | $379,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $870,000 | $435,000 | $505,000 | $135,000 | $157,000 |
| 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) | 968 | $218,620,000 | $225,000 | $1,245,000 | $165,000 | $1,534,000 |
| 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 | 425 | $90,365,000 | $212,000 | $805,000 | $180,000 | $524,000 |
| Application Withdrawn By Applicant | 177 | $19,995,000 | $112,000 | $255,000 | $166,000 | $660,000 |
| Preapproval Approved but not Accepted | 135 | $51,555,000 | $381,000 | $1,245,000 | $162,000 | $504,000 |
| Application Denied By Financial Institution | 87 | $12,935,000 | $148,000 | $1,245,000 | $152,000 | $1,534,000 |
| Application Approved But Not Accepted | 85 | $27,505,000 | $323,000 | $805,000 | $156,000 | $462,000 |
| Preapproval Denied by Financial Institution | 59 | $16,265,000 | $275,000 | $1,005,000 | $93,000 | $292,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 822 | $189,420,000 | $230,000 | $1,245,000 | $171,000 | $660,000 |
| Debt-To-Income Ratio | 67 | $17,675,000 | $263,000 | $1,245,000 | $120,000 | $1,534,000 |
| Credit History | 59 | $8,085,000 | $137,000 | $485,000 | $117,000 | $1,020,000 |
| Other | 8 | $810,000 | $101,000 | $205,000 | $278,000 | $1,209,000 |
| Collateral | 5 | $915,000 | $183,000 | $455,000 | $182,000 | $310,000 |
| Unverifiable Information | 2 | $750,000 | $375,000 | $635,000 | $97,000 | $195,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $360,000 | $180,000 | $285,000 | $80,000 | $110,000 |
| Mortgage Insurance Denied | 1 | $185,000 | $185,000 | $185,000 | $99,000 | $99,000 |
| Credit Application Incomplete | 1 | $155,000 | $155,000 | $155,000 | $66,000 | $66,000 |
| Employment History | 1 | $265,000 | $265,000 | $265,000 | $58,000 | $58,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Justice Federal Credit Union's 2025 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About