Justice Federal Credit Union Mortgage Lending & HMDA Data, 2006
In 2006, Justice Federal Credit Union of Chantilly, VA reported 649 mortgage applications totaling $80.4 million, down 12% from 2005. The average application was for $123,892, and applicants reported an average income of $112,320. 76% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (299), Bethesda-Gaithersburg-Frederick, MD (31) and Baltimore-Towson, MD (25) (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 | 649 |
| Total Mortgage Loan Application Amount | $80,406,000 |
| Average Mortgage Loan Application Amount | $123,892 |
| Highest Mortgage Loan Application Amount | $1,050,000 |
| Average Applicant Income | $112,320 |
| Highest Applicant Income | $620,000 |
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records Justice Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 299 | $ 33,537,000 | $ 112,163 | $ 126,073 |
| Bethesda-Gaithersburg-Frederick, MD | 31 | $ 2,927,000 | $ 94,419 | $ 115,000 |
| Baltimore-Towson, MD | 25 | $ 2,342,000 | $ 93,680 | $ 117,000 |
| New York-White Plains-Wayne, NY-NJ | 14 | $ 1,718,000 | $ 122,714 | $ 102,285 |
| Los Angeles-Long Beach-Glendale, CA | 13 | $ 829,000 | $ 63,769 | $ 76,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 1,235,000 | $ 176,428 | $ 122,000 |
| Edison, NJ | 6 | $ 1,026,000 | $ 171,000 | $ 96,000 |
| Atlanta-Sandy Springs-Marietta, GA | 5 | $ 896,000 | $ 179,200 | $ 140,000 |
| Nassau-Suffolk, NY | 5 | $ 780,000 | $ 156,000 | $ 107,000 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 497,000 | $ 99,400 | $ 113,000 |
| San Diego-Carlsbad-San Marcos, CA | 5 | $ 557,000 | $ 111,400 | $ 94,000 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 210,000 | $ 52,500 | $ 93,250 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 519,000 | $ 129,750 | $ 91,000 |
| Orlando-Kissimmee, FL | 4 | $ 335,000 | $ 83,750 | $ 67,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 240,000 | $ 80,000 | $ 139,000 |
| Dallas-Plano-Irving, TX | 3 | $ 120,000 | $ 40,000 | $ 89,000 |
| Houston-Sugar Land-Baytown, TX | 3 | $ 243,000 | $ 81,000 | $ 74,000 |
| Morgantown, WV | 3 | $ 439,000 | $ 146,333 | $ 100,000 |
| Newark-Union, NJ-PA | 3 | $ 480,000 | $ 160,000 | $ 80,000 |
| Philadelphia, PA | 3 | $ 84,000 | $ 28,000 | $ 184,000 |
| Albuquerque, NM | 2 | $ 448,000 | $ 224,000 | $ 123,000 |
| Bakersfield, CA | 2 | $ 259,000 | $ 129,500 | $ 85,000 |
| Boulder, CO | 2 | $ 319,000 | $ 159,500 | $ 165,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 517,000 | $ 258,500 | $ 90,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 130,000 | $ 65,000 | $ 124,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 360,000 | $ 180,000 | $ 89,000 |
| Tallahassee, FL | 2 | $ 325,000 | $ 162,500 | $ 86,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 50,000 | $ 50,000 | $ 135,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 125,000 | $ 125,000 | $ 116,000 |
| Atlantic City, NJ | 1 | $ 115,000 | $ 115,000 | $ 130,000 |
| Austin-Round Rock, TX | 1 | $ 10,000 | $ 10,000 | $ 126,000 |
| Beaumont-Port Arthur, TX | 1 | $ 93,000 | $ 93,000 | $ 49,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 127,000 | $ 127,000 | $ 100,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 87,000 | $ 87,000 | $ 76,000 |
| Charlottesville, VA | 1 | $ 239,000 | $ 239,000 | $ 134,000 |
| Columbia, SC | 1 | $ 417,000 | $ 417,000 | $ 333,000 |
| Columbus, OH | 1 | $ 36,000 | $ 36,000 | $ 50,000 |
| Danville, VA | 1 | $ 133,000 | $ 133,000 | $ 155,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 250,000 | $ 250,000 | $ 108,000 |
| Fort Worth-Arlington, TX | 1 | $ 35,000 | $ 35,000 | $ 52,000 |
| Huntsville, AL | 1 | $ 520,000 | $ 520,000 | $ 223,000 |
| Indianapolis-Carmel, IN | 1 | $ 160,000 | $ 160,000 | $ 85,000 |
| Kansas City, MO-KS | 1 | $ 295,000 | $ 295,000 | $ 99,000 |
| Las Cruces, NM | 1 | $ 65,000 | $ 65,000 | $ 29,000 |
| Las Vegas-Paradise, NV | 1 | $ 92,000 | $ 92,000 | $ 140,000 |
| Madison, WI | 1 | $ 198,000 | $ 198,000 | $ 80,000 |
| Manchester-Nashua, NH | 1 | $ 50,000 | $ 50,000 | $ 53,000 |
| Memphis, TN-MS-AR | 1 | $ 297,000 | $ 297,000 | $ 96,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 172,000 | $ 172,000 | $ 155,000 |
| Naples-Marco Island, FL | 1 | $ 250,000 | $ 250,000 | $ 325,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 19,000 | $ 19,000 | $ 98,000 |
| Peoria, IL | 1 | $ 47,000 | $ 47,000 | $ 94,000 |
| Pittsburgh, PA | 1 | $ 26,000 | $ 26,000 | $ 114,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 33,000 | $ 33,000 | $ 82,000 |
| Raleigh-Cary, NC | 1 | $ 50,000 | $ 50,000 | $ 105,000 |
| Rockingham County-Strafford County, NH | 1 | $ 50,000 | $ 50,000 | $ 48,000 |
| Rocky Mount, NC | 1 | $ 20,000 | $ 20,000 | $ 47,000 |
| San Antonio, TX | 1 | $ 146,000 | $ 146,000 | $ 54,000 |
| Springfield, MA | 1 | $ 280,000 | $ 280,000 | $ 94,000 |
| St. Louis, MO-IL | 1 | $ 241,000 | $ 241,000 | $ 61,000 |
| Syracuse, NY | 1 | $ 27,000 | $ 27,000 | $ 110,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 200,000 | $ 200,000 | $ 69,000 |
| Tucson, AZ | 1 | $ 417,000 | $ 417,000 | $ 235,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 120,000 | $ 120,000 | $ 117,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 132,000 | $ 132,000 | $ 24,000 |
Mortgage Loan Application Detail Totals for Justice Federal Credit Union in 2006
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 | 380 | $22,805,000 | $60,000 | $250,000 | $115,000 | $572,000 |
| Refinancing | 135 | $26,928,000 | $199,000 | $1,050,000 | $118,000 | $620,000 |
| Home Purchase | 134 | $30,673,000 | $228,000 | $550,000 | $99,000 | $352,000 |
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 | 374 | $48,651,000 | $130,000 | $1,050,000 | $111,000 | $620,000 |
| White | 172 | $18,822,000 | $109,000 | $485,000 | $116,000 | $344,000 |
| Black or African American | 80 | $9,781,000 | $122,000 | $414,000 | $113,000 | $476,000 |
| Hispanic | 11 | $1,585,000 | $144,000 | $280,000 | $71,000 | $121,000 |
| Asian | 9 | $1,030,000 | $114,000 | $520,000 | $133,000 | $214,000 |
| American Indian or Alaskan Native | 3 | $537,000 | $179,000 | $263,000 | $70,000 | $72,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 649 | $80,406,000 | $123,000 | $1,050,000 | $112,000 | $620,000 |
| 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 | 496 | $48,724,000 | $98,000 | $520,000 | $116,000 | $620,000 |
| Application Denied By Financial Institution | 32 | $8,172,000 | $255,000 | $1,050,000 | $87,000 | $205,000 |
| Application Withdrawn By Applicant | 32 | $6,153,000 | $192,000 | $564,000 | $113,000 | $386,000 |
| File Closed For Incompleteness | 30 | $3,785,000 | $126,000 | $520,000 | $114,000 | $344,000 |
| Preapproval Approved but not Accepted | 27 | $8,136,000 | $301,000 | $550,000 | $104,000 | $223,000 |
| Application Approved But Not Accepted | 23 | $3,767,000 | $163,000 | $450,000 | $93,000 | $235,000 |
| Preapproval Denied by Financial Institution | 9 | $1,669,000 | $185,000 | $360,000 | $61,000 | $122,000 |
| 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 | 17 | $4,084,000 | $240,000 | $373,000 | $89,000 | $205,000 |
| Debt-To-Income Ratio | 12 | $2,371,000 | $197,000 | $350,000 | $47,000 | $80,000 |
| Collateral | 4 | $1,097,000 | $274,000 | $405,000 | $106,000 | $140,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $190,000 | $190,000 | $190,000 | $86,000 | $86,000 |
| Unverifiable Information | 1 | $1,050,000 | $1,050,000 | $1,050,000 | $185,000 | $185,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 2006 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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