Justice Federal Credit Union Mortgage Lending & HMDA Data, 2012
In 2012, Justice Federal Credit Union of Chantilly, VA reported 1,824 mortgage applications totaling $235.9 million, up 61% from 2011. The average application was for $129,319, and applicants reported an average income of $112,601. 42% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (590), Bethesda-Rockville-Frederick, MD (76) and New York-White Plains-Wayne, NY-NJ (64) (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 | 1,824 |
| Total Mortgage Loan Application Amount | $235,879,000 |
| Average Mortgage Loan Application Amount | $129,319 |
| Highest Mortgage Loan Application Amount | $1,240,000 |
| Average Applicant Income | $112,601 |
| Highest Applicant Income | $1,160,000 |
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records Justice Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 590 | $ 66,673,000 | $ 113,005 | $ 120,294 |
| Bethesda-Rockville-Frederick, MD | 76 | $ 12,395,000 | $ 163,092 | $ 155,000 |
| New York-White Plains-Wayne, NY-NJ | 64 | $ 4,608,000 | $ 72,000 | $ 77,718 |
| Baltimore-Towson, MD | 58 | $ 4,201,000 | $ 72,431 | $ 107,000 |
| Houston-Sugar Land-Baytown, TX | 35 | $ 2,907,000 | $ 83,057 | $ 111,000 |
| Atlanta-Sandy Springs-Marietta, GA | 29 | $ 1,145,000 | $ 39,482 | $ 69,000 |
| Los Angeles-Long Beach-Glendale, CA | 15 | $ 2,812,000 | $ 187,466 | $ 101,000 |
| Nassau-Suffolk, NY | 15 | $ 3,383,000 | $ 225,533 | $ 151,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 14 | $ 2,273,000 | $ 162,357 | $ 133,000 |
| Edison-New Brunswick, NJ | 12 | $ 1,057,000 | $ 88,083 | $ 136,000 |
| Morgantown, WV | 11 | $ 775,000 | $ 70,454 | $ 116,000 |
| Chicago-Joliet-Naperville, IL | 10 | $ 1,847,000 | $ 184,700 | $ 132,000 |
| Denver-Aurora-Broomfield, CO | 9 | $ 1,502,000 | $ 166,888 | $ 136,000 |
| Hagerstown-Martinsburg, MD-WV | 9 | $ 402,000 | $ 44,666 | $ 116,000 |
| Miami-Miami Beach-Kendall, FL | 8 | $ 1,168,000 | $ 146,000 | $ 134,000 |
| Newark-Union, NJ-PA | 8 | $ 614,000 | $ 76,750 | $ 106,000 |
| Pittsburgh, PA | 8 | $ 546,000 | $ 68,250 | $ 187,000 |
| Camden, NJ | 7 | $ 671,000 | $ 95,857 | $ 127,000 |
| Riverside-San Bernardino-Ontario, CA | 7 | $ 618,000 | $ 88,285 | $ 95,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 7 | $ 1,063,000 | $ 151,857 | $ 165,285 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 6 | $ 1,031,000 | $ 171,833 | $ 136,000 |
| Las Vegas-Paradise, NV | 6 | $ 1,011,000 | $ 168,500 | $ 100,000 |
| Philadelphia, PA | 6 | $ 1,014,000 | $ 169,000 | $ 127,000 |
| Raleigh-Cary, NC | 6 | $ 741,000 | $ 123,500 | $ 152,000 |
| Richmond, VA | 6 | $ 573,000 | $ 95,500 | $ 111,000 |
| San Antonio-New Braunfels, TX | 6 | $ 982,000 | $ 163,666 | $ 143,000 |
| St. Louis, MO-IL | 6 | $ 792,000 | $ 132,000 | $ 125,833 |
| Bridgeport-Stamford-Norwalk, CT | 5 | $ 980,000 | $ 196,000 | $ 173,000 |
| Columbia, SC | 5 | $ 979,000 | $ 195,800 | $ 89,000 |
| New Orleans-Metairie-Kenner, LA | 5 | $ 427,000 | $ 85,400 | $ 90,000 |
| North Port-Bradenton-Sarasota, FL | 5 | $ 807,000 | $ 161,400 | $ 417,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 5 | $ 417,000 | $ 83,400 | $ 174,000 |
| Santa Ana-Anaheim-Irvine, CA | 5 | $ 621,000 | $ 124,200 | $ 110,000 |
| Winchester, VA-WV | 5 | $ 78,000 | $ 15,600 | $ 89,400 |
| Buffalo-Niagara Falls, NY | 4 | $ 214,000 | $ 53,500 | $ 169,000 |
| Dallas-Plano-Irving, TX | 4 | $ 485,000 | $ 121,250 | $ 123,000 |
| El Paso, TX | 4 | $ 465,000 | $ 116,250 | $ 144,000 |
| Harrisonburg, VA | 4 | $ 392,000 | $ 98,000 | $ 103,000 |
| Memphis, TN-MS-AR | 4 | $ 210,000 | $ 52,500 | $ 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 | $ 129,250 | $ 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 | $ 49,333 | $ 56,000 |
| Laredo, TX | 3 | $ 199,000 | $ 66,333 | $ 65,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 388,000 | $ 129,333 | $ 89,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 865,000 | $ 288,333 | $ 108,000 |
| San Juan-Caguas-Guaynabo, PR | 3 | $ 77,000 | $ 25,666 | $ 115,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 244,000 | $ 81,333 | $ 113,000 |
| Aguadilla-Isabela-San Sebastian, PR | 2 | $ 44,000 | $ 22,000 | $ 66,000 |
| Asheville, NC | 2 | $ 437,000 | $ 218,500 | $ 256,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 233,000 | $ 116,500 | $ 82,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 31,000 | $ 15,500 | $ 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 | $ 20,500 | $ 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 | $ 60,500 | $ 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 | $ 242,500 | $ 238,000 |
| Oklahoma City, OK | 2 | $ 32,000 | $ 16,000 | $ 200,000 |
| Rocky Mount, NC | 2 | $ 225,000 | $ 112,500 | $ 103,000 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 159,000 | $ 79,500 | $ 138,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 535,000 | $ 267,500 | $ 162,000 |
| York-Hanover, PA | 2 | $ 281,000 | $ 140,500 | $ 134,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 119,000 | $ 59,500 | $ 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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