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.

Mortgage Loan Application Totals for Justice Federal Credit Union by Metropolitan Area in 2012

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 590 $ 66,673,000 $ 105,000 $ 116,000
BETHESDA-ROCKVILLE-FREDERICK, MD 76 $ 12,395,000 $ 163,000 $ 155,000
NEW YORK-WHITE PLAINS-WAYNE, NY-NJ 64 $ 4,608,000 $ 125,500 $ 87,000
BALTIMORE-TOWSON, MD 58 $ 4,201,000 $ 72,000 $ 107,000
HOUSTON-SUGAR LAND-BAYTOWN, TX 35 $ 2,907,000 $ 83,000 $ 111,000
ATLANTA-SANDY SPRINGS-MARIETTA, GA 29 $ 1,145,000 $ 39,000 $ 69,000
LOS ANGELES-LONG BEACH-GLENDALE, CA 15 $ 2,812,000 $ 187,000 $ 101,000
NASSAU-SUFFOLK, NY 15 $ 3,383,000 $ 225,000 $ 151,000
FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL 14 $ 2,273,000 $ 162,000 $ 133,000
EDISON-NEW BRUNSWICK, NJ 12 $ 1,057,000 $ 88,000 $ 136,000
MORGANTOWN, WV 11 $ 775,000 $ 70,000 $ 116,000
CHICAGO-JOLIET-NAPERVILLE, IL 10 $ 1,847,000 $ 184,000 $ 132,000
DENVER-AURORA-BROOMFIELD, CO 9 $ 1,502,000 $ 166,000 $ 136,000
HAGERSTOWN-MARTINSBURG, MD-WV 9 $ 402,000 $ 38,500 $ 121,000
MIAMI-MIAMI BEACH-KENDALL, FL 8 $ 1,168,000 $ 146,000 $ 134,000
NEWARK-UNION, NJ-PA 8 $ 614,000 $ 76,000 $ 106,000
PITTSBURGH, PA 8 $ 546,000 $ 68,000 $ 187,000
CAMDEN, NJ 7 $ 671,000 $ 95,000 $ 127,000
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 7 $ 618,000 $ 88,000 $ 95,000
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 7 $ 1,063,000 $ 171,500 $ 208,500
CHARLOTTE-GASTONIA-ROCK HILL, NC-SC 6 $ 1,031,000 $ 171,000 $ 136,000
LAS VEGAS-PARADISE, NV 6 $ 1,011,000 $ 168,000 $ 100,000
PHILADELPHIA, PA 6 $ 1,014,000 $ 169,000 $ 127,000
RALEIGH-CARY, NC 6 $ 741,000 $ 123,000 $ 152,000
RICHMOND, VA 6 $ 573,000 $ 95,000 $ 111,000
SAN ANTONIO-NEW BRAUNFELS, TX 6 $ 982,000 $ 163,000 $ 143,000
ST. LOUIS, MO-IL 6 $ 792,000 $ 92,000 $ 101,500
BRIDGEPORT-STAMFORD-NORWALK, CT 5 $ 980,000 $ 196,000 $ 173,000
COLUMBIA, SC 5 $ 979,000 $ 195,000 $ 89,000
NEW ORLEANS-METAIRIE-KENNER, LA 5 $ 427,000 $ 85,000 $ 90,000
NORTH PORT-BRADENTON-SARASOTA, FL 5 $ 807,000 $ 161,000 $ 417,000
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY 5 $ 417,000 $ 83,000 $ 174,000
SANTA ANA-ANAHEIM-IRVINE, CA 5 $ 621,000 $ 124,000 $ 110,000
WINCHESTER, VA-WV 5 $ 78,000 $ 15,500 $ 92,000
BUFFALO-NIAGARA FALLS, NY 4 $ 214,000 $ 53,000 $ 169,000
DALLAS-PLANO-IRVING, TX 4 $ 485,000 $ 121,000 $ 123,000
EL PASO, TX 4 $ 465,000 $ 116,000 $ 144,000
HARRISONBURG, VA 4 $ 392,000 $ 98,000 $ 103,000
MEMPHIS, TN-MS-AR 4 $ 210,000 $ 52,000 $ 94,000
NEW HAVEN-MILFORD, CT 4 $ 412,000 $ 103,000 $ 109,000
PHOENIX-MESA-GLENDALE, AZ 4 $ 188,000 $ 47,000 $ 80,000
SAVANNAH, GA 4 $ 20,000 $ 5,000 $ 61,000
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 4 $ 517,000 $ 129,000 $ 142,000
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 3 $ 336,000 $ 112,000 $ 114,000
AUSTIN-ROUND ROCK-SAN MARCOS, TX 3 $ 1,026,000 $ 342,000 $ 263,000
COLLEGE STATION-BRYAN, TX 3 $ 123,000 $ 41,000 $ 52,000
FORT WORTH-ARLINGTON, TX 3 $ 273,000 $ 91,000 $ 130,000
JACKSON, MS 3 $ 148,000 $ 49,000 $ 56,000
LAREDO, TX 3 $ 199,000 $ 66,000 $ 65,000
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 3 $ 388,000 $ 129,000 $ 89,000
OXNARD-THOUSAND OAKS-VENTURA, CA 3 $ 865,000 $ 288,000 $ 108,000
SAN JUAN-CAGUAS-GUAYNABO, PR 3 $ 77,000 $ 25,000 $ 115,000
TAMPA-ST. PETERSBURG-CLEARWATER, FL 3 $ 244,000 $ 81,000 $ 113,000
AGUADILLA-ISABELA-SAN SEBASTIAN, PR 2 $ 44,000 $ 22,000 $ 66,000
ASHEVILLE, NC 2 $ 437,000 $ 218,000 $ 256,000
ATLANTIC CITY-HAMMONTON, NJ 2 $ 233,000 $ 116,000 $ 82,000
AUGUSTA-RICHMOND COUNTY, GA-SC 2 $ 31,000 $ 15,000 $ 47,000
BRUNSWICK, GA 2 $ 640,000 $ 320,000 $ 71,000
CHARLOTTESVILLE, VA 2 $ 214,000 $ 107,000 $ 95,000
CINCINNATI-MIDDLETOWN, OH-KY-IN 2 $ 41,000 $ 20,000 $ 163,000
FARGO, ND-MN 2 $ 16,000 $ 8,000 $ 89,000
FAYETTEVILLE, NC 2 $ 4,000 $ 2,000 $ 63,000
GRAND RAPIDS-WYOMING, MI 2 $ 121,000 $ 60,000 $ 203,000
GREENVILLE, NC 2 $ 60,000 $ 30,000 $ 30,000
HARRISBURG-CARLISLE, PA 2 $ 68,000 $ 34,000 $ 91,000
KANSAS CITY, MO-KS 2 $ 160,000 $ 80,000 $ 103,000
KNOXVILLE, TN 2 $ 530,000 $ 265,000 $ 137,000
LAS CRUCES, NM 2 $ 48,000 $ 24,000 $ 80,000
MACON, GA 2 $ 52,000 $ 26,000 $ 75,000
MILWAUKEE-WAUKESHA-WEST ALLIS, WI 2 $ 485,000 $ 242,000 $ 238,000
OKLAHOMA CITY, OK 2 $ 32,000 $ 16,000 $ 200,000
ROCKY MOUNT, NC 2 $ 225,000 $ 112,000 $ 103,000
SAN DIEGO-CARLSBAD-SAN MARCOS, CA 2 $ 159,000 $ 79,000 $ 138,000
SEATTLE-BELLEVUE-EVERETT, WA 2 $ 535,000 $ 267,000 $ 162,000
YORK-HANOVER, PA 2 $ 281,000 $ 140,000 $ 134,000
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA 2 $ 119,000 $ 59,000 $ 107,000
AKRON, OH 1 $ 176,000 $ 176,000 $ 56,000
ALBANY, GA 1 $ 10,000 $ 10,000 $ 60,000
ANNISTON-OXFORD, AL 1 $ 3,000 $ 3,000 $ 95,000
ATHENS-CLARKE COUNTY, GA 1 $ 30,000 $ 30,000 $ 79,000
BATON ROUGE, LA 1 $ 3,000 $ 3,000 $ 15,000
BEAUMONT-PORT ARTHUR, TX 1 $ 45,000 $ 45,000 $ 117,000
BELLINGHAM, WA 1 $ 160,000 $ 160,000 $ 150,000
BIRMINGHAM-HOOVER, AL 1 $ 101,000 $ 101,000 $ 78,000
BURLINGTON-SOUTH BURLINGTON, VT 1 $ 244,000 $ 244,000 $ 106,000
CAMBRIDGE-NEWTON-FRAMINGHAM, MA 1 $ 4,000 $ 4,000 $ 373,000
CANTON-MASSILLON, OH 1 $ 121,000 $ 121,000 $ 84,000
CHATTANOOGA, TN-GA 1 $ 101,000 $ 101,000 $ 99,000
CHICO, CA 1 $ 272,000 $ 272,000 $ 64,000
CLARKSVILLE, TN-KY 1 $ 43,000 $ 43,000 $ 98,000
CUMBERLAND, MD-WV 1 $ 212,000 $ 212,000 $ 226,000
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 1 $ 10,000 $ 10,000 $ 106,000
DURHAM-CHAPEL HILL, NC 1 $ 18,000 $ 18,000 $ 65,000
FORT COLLINS-LOVELAND, CO 1 $ 605,000 $ 605,000 $ 123,000
FORT SMITH, AR-OK 1 $ 25,000 $ 25,000 $ 11,000
GAINESVILLE, GA 1 $ 82,000 $ 82,000 $ 165,000
GARY, IN 1 $ 325,000 $ 325,000 $ 108,000
GRAND JUNCTION, CO 1 $ 175,000 $ 175,000 $ 87,000
GREENSBORO-HIGH POINT, NC 1 $ 153,000 $ 153,000 $ 113,000
GREENVILLE-MAULDIN-EASLEY, SC 1 $ 1,000 $ 1,000 $ 27,000
HARTFORD-WEST HARTFORD-EAST HARTFORD, CT 1 $ 3,000 $ 3,000 $ 88,000
HINESVILLE-FORT STEWART, GA 1 $ 2,000 $ 2,000 $ 100,000
HUNTSVILLE, AL 1 $ 355,000 $ 355,000 $ 121,000
INDIANAPOLIS-CARMEL, IN 1 $ 198,000 $ 198,000 $ 71,000
JACKSONVILLE, FL 1 $ 338,000 $ 338,000 $ 425,000
JACKSONVILLE, NC 1 $ 35,000 $ 35,000 $ 127,000
KINGSPORT-BRISTOL-BRISTOL, TN-VA 1 $ 196,000 $ 196,000 $ 138,000
LAKE COUNTY-KENOSHA COUNTY, IL-WI 1 $ 15,000 $ 15,000 $ 61,000
LEXINGTON-FAYETTE, KY 1 $ 5,000 $ 5,000 $ 34,000
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR 1 $ 2,000 $ 2,000 $ 132,000
MCALLEN-EDINBURG-MISSION, TX 1 $ 77,000 $ 77,000 $ 95,000
MERCED, CA 1 $ 43,000 $ 43,000 $ 47,000
OAKLAND-FREMONT-HAYWARD, CA 1 $ 417,000 $ 417,000 $ 206,000
OCALA, FL 1 $ 3,000 $ 3,000 $ 33,000
OCEAN CITY, NJ 1 $ 135,000 $ 135,000 $ 146,000
ORLANDO-KISSIMMEE-SANFORD, FL 1 $ 124,000 $ 124,000 $ 88,000
PENSACOLA-FERRY PASS-BRENT, FL 1 $ 5,000 $ 5,000 $ 63,000
PORT ST. LUCIE, FL 1 $ 10,000 $ 10,000 $ 67,000
PORTLAND-SOUTH PORTLAND-BIDDEFORD, ME 1 $ 4,000 $ 4,000 $ 58,000
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 1 $ 370,000 $ 370,000 $ 225,000
ROANOKE, VA 1 $ 236,000 $ 236,000 $ 81,000
ROCHESTER, MN 1 $ 121,000 $ 121,000 $ 128,000
ROCHESTER, NY 1 $ 123,000 $ 123,000 $ 69,000
SANTA FE, NM 1 $ 10,000 $ 10,000 $ 84,000
SANTA ROSA-PETALUMA, CA 1 $ 1,000 $ 1,000 $ 137,000
SCRANTON--WILKES-BARRE, PA 1 $ 21,000 $ 21,000 $ 135,000
SHREVEPORT-BOSSIER CITY, LA 1 $ 120,000 $ 120,000 $ 50,000
SPRINGFIELD, MA 1 $ 118,000 $ 118,000 $ 190,000
TACOMA, WA 1 $ 20,000 $ 20,000 $ 13,000
TALLAHASSEE, FL 1 $ 115,000 $ 115,000 $ 190,000
TOLEDO, OH 1 $ 284,000 $ 284,000 $ 249,000
TOPEKA, KS 1 $ 170,000 $ 170,000 $ 147,000
TUCSON, AZ 1 $ 192,000 $ 192,000 $ 27,000
VALDOSTA, GA 1 $ 260,000 $ 260,000 $ 106,000
VALLEJO-FAIRFIELD, CA 1 $ 286,000 $ 286,000 $ 191,000
VINELAND-MILLVILLE-BRIDGETON, NJ 1 $ 21,000 $ 21,000 $ 75,000
WARNER ROBINS, GA 1 $ 6,000 $ 6,000 $ 136,000
WARREN-TROY-FARMINGTON HILLS, MI 1 $ 10,000 $ 10,000 $ 118,000
WILMINGTON, DE-MD-NJ 1 $ 21,000 $ 21,000 $ 135,000

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.
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