Justice Federal Credit Union Mortgage Lending & HMDA Data, 2013
In 2013, Justice Federal Credit Union of Chantilly, VA reported 1,589 mortgage applications totaling $205.8 million, down 13% from 2012. The average application was for $129,483, and applicants reported an average income of $117,858. 33% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (406), Houston-Sugar Land-Baytown, TX (49) and Atlanta-Sandy Springs-Marietta, GA (47) (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 | 1,589 |
| Total Mortgage Loan Application Amount | $205,750,000 |
| Average Mortgage Loan Application Amount | $129,483 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $117,858 |
| Highest Applicant Income | $1,671,000 |
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records Justice Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 406 | $ 42,460,000 | $ 104,581 | $ 131,046 |
| Houston-Sugar Land-Baytown, TX | 49 | $ 4,087,000 | $ 83,408 | $ 105,000 |
| Atlanta-Sandy Springs-Marietta, GA | 47 | $ 1,238,000 | $ 26,340 | $ 69,000 |
| Baltimore-Towson, MD | 41 | $ 4,790,000 | $ 116,829 | $ 129,000 |
| Bethesda-Rockville-Frederick, MD | 41 | $ 5,860,000 | $ 142,926 | $ 149,000 |
| New York-White Plains-Wayne, NY-NJ | 36 | $ 1,788,000 | $ 49,666 | $ 108,777 |
| Los Angeles-Long Beach-Glendale, CA | 33 | $ 2,912,000 | $ 88,242 | $ 143,000 |
| Chicago-Joliet-Naperville, IL | 16 | $ 3,101,000 | $ 193,812 | $ 131,000 |
| San Diego-Carlsbad-San Marcos, CA | 13 | $ 1,989,000 | $ 153,000 | $ 129,000 |
| Morgantown, WV | 11 | $ 632,000 | $ 57,454 | $ 78,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 9 | $ 1,590,000 | $ 176,666 | $ 114,000 |
| Hagerstown-Martinsburg, MD-WV | 9 | $ 323,000 | $ 35,888 | $ 84,222 |
| Newark-Union, NJ-PA | 9 | $ 665,000 | $ 73,888 | $ 102,000 |
| Macon, GA | 8 | $ 56,000 | $ 7,000 | $ 88,000 |
| Riverside-San Bernardino-Ontario, CA | 8 | $ 644,000 | $ 80,500 | $ 207,000 |
| Tucson, AZ | 8 | $ 316,000 | $ 39,500 | $ 113,000 |
| Dallas-Plano-Irving, TX | 7 | $ 869,000 | $ 124,142 | $ 115,000 |
| Edison-New Brunswick, NJ | 7 | $ 748,000 | $ 106,857 | $ 169,000 |
| New Haven-Milford, CT | 7 | $ 612,000 | $ 87,428 | $ 177,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 6 | $ 311,000 | $ 51,833 | $ 141,833 |
| Buffalo-Niagara Falls, NY | 6 | $ 272,000 | $ 45,333 | $ 92,000 |
| El Paso, TX | 6 | $ 392,000 | $ 65,333 | $ 107,000 |
| Jackson, MS | 6 | $ 177,000 | $ 29,500 | $ 72,000 |
| Miami-Miami Beach-Kendall, FL | 6 | $ 1,194,000 | $ 199,000 | $ 146,000 |
| Pittsburgh, PA | 6 | $ 190,000 | $ 31,666 | $ 88,000 |
| Richmond, VA | 6 | $ 145,000 | $ 24,166 | $ 74,000 |
| Charleston, WV | 5 | $ 480,000 | $ 96,000 | $ 72,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 5 | $ 626,000 | $ 125,200 | $ 182,000 |
| North Port-Bradenton-Sarasota, FL | 5 | $ 698,000 | $ 139,600 | $ 170,000 |
| Savannah, GA | 5 | $ 214,000 | $ 42,800 | $ 86,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 5 | $ 295,000 | $ 59,000 | $ 105,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 5 | $ 1,018,000 | $ 203,600 | $ 115,000 |
| Winchester, VA-WV | 5 | $ 166,000 | $ 33,200 | $ 103,000 |
| Cincinnati-Middletown, OH-KY-IN | 4 | $ 306,000 | $ 76,500 | $ 117,000 |
| Columbia, SC | 4 | $ 405,000 | $ 101,250 | $ 108,000 |
| Denver-Aurora-Broomfield, CO | 4 | $ 538,000 | $ 134,500 | $ 110,000 |
| Gary, IN | 4 | $ 799,000 | $ 199,750 | $ 114,000 |
| Lynchburg, VA | 4 | $ 546,000 | $ 136,500 | $ 72,000 |
| Nassau-Suffolk, NY | 4 | $ 448,000 | $ 112,000 | $ 146,000 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 354,000 | $ 88,500 | $ 75,000 |
| Rocky Mount, NC | 4 | $ 142,000 | $ 35,500 | $ 54,000 |
| San Antonio-New Braunfels, TX | 4 | $ 217,000 | $ 54,250 | $ 95,000 |
| Albany, GA | 3 | $ 35,000 | $ 11,666 | $ 48,000 |
| Barnstable Town, MA | 3 | $ 731,000 | $ 243,666 | $ 249,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 401,000 | $ 133,666 | $ 86,000 |
| Fort Worth-Arlington, TX | 3 | $ 391,000 | $ 130,333 | $ 123,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 324,000 | $ 108,000 | $ 124,000 |
| Memphis, TN-MS-AR | 3 | $ 275,000 | $ 91,666 | $ 83,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 270,000 | $ 90,000 | $ 111,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 40,000 | $ 13,333 | $ 59,000 |
| Philadelphia, PA | 3 | $ 583,000 | $ 194,333 | $ 226,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 3 | $ 147,000 | $ 49,000 | $ 134,000 |
| Providence-New Bedford-Fall River, RI-MA | 3 | $ 291,000 | $ 97,000 | $ 215,333 |
| Santa Ana-Anaheim-Irvine, CA | 3 | $ 463,000 | $ 154,333 | $ 106,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 495,000 | $ 165,000 | $ 115,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 395,000 | $ 197,500 | $ 102,000 |
| Albuquerque, NM | 2 | $ 274,000 | $ 137,000 | $ 82,000 |
| Athens-Clarke County, GA | 2 | $ 6,000 | $ 3,000 | $ 26,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 521,000 | $ 260,500 | $ 204,000 |
| Chattanooga, TN-GA | 2 | $ 200,000 | $ 100,000 | $ 45,000 |
| Fresno, CA | 2 | $ 130,000 | $ 65,000 | $ 76,000 |
| Harrisonburg, VA | 2 | $ 150,000 | $ 75,000 | $ 107,000 |
| Knoxville, TN | 2 | $ 255,000 | $ 127,500 | $ 102,000 |
| Merced, CA | 2 | $ 40,000 | $ 20,000 | $ 100,000 |
| Mobile, AL | 2 | $ 32,000 | $ 16,000 | $ 123,000 |
| Ocean City, NJ | 2 | $ 75,000 | $ 37,500 | $ 124,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 2 | $ 339,000 | $ 169,500 | $ 184,000 |
| Phoenix-Mesa-Glendale, AZ | 2 | $ 250,000 | $ 125,000 | $ 96,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 18,000 | $ 9,000 | $ 136,000 |
| Raleigh-Cary, NC | 2 | $ 231,000 | $ 115,500 | $ 106,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 180,000 | $ 90,000 | $ 144,000 |
| Scranton--Wilkes-Barre, PA | 2 | $ 311,000 | $ 155,500 | $ 68,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 195,000 | $ 97,500 | $ 93,000 |
| St. Louis, MO-IL | 2 | $ 315,000 | $ 157,500 | $ 156,000 |
| Tallahassee, FL | 2 | $ 382,000 | $ 191,000 | $ 121,000 |
| Vineland-Millville-Bridgeton, NJ | 2 | $ 138,000 | $ 69,000 | $ 91,000 |
| Winston-Salem, NC | 2 | $ 192,000 | $ 96,000 | $ 50,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 263,000 | $ 131,500 | $ 57,000 |
| Akron, OH | 1 | $ 82,000 | $ 82,000 | $ 34,000 |
| Alexandria, LA | 1 | $ 8,000 | $ 8,000 | $ 133,000 |
| Anchorage, AK | 1 | $ 70,000 | $ 70,000 | $ 124,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 8,000 | $ 8,000 | $ 78,000 |
| Austin-Round Rock-San Marcos, TX | 1 | $ 4,000 | $ 4,000 | $ 60,000 |
| Beaumont-Port Arthur, TX | 1 | $ 52,000 | $ 52,000 | $ 74,000 |
| Birmingham-Hoover, AL | 1 | $ 15,000 | $ 15,000 | $ 41,000 |
| Brunswick, GA | 1 | $ 5,000 | $ 5,000 | $ 54,000 |
| Burlington-South Burlington, VT | 1 | $ 39,000 | $ 39,000 | $ 150,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 3,000 | $ 3,000 | $ 88,000 |
| Camden, NJ | 1 | $ 65,000 | $ 65,000 | $ 85,000 |
| Cedar Rapids, IA | 1 | $ 54,000 | $ 54,000 | $ 95,000 |
| Charlottesville, VA | 1 | $ 202,000 | $ 202,000 | $ 157,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 10,000 | $ 10,000 | $ 40,000 |
| College Station-Bryan, TX | 1 | $ 8,000 | $ 8,000 | $ 75,000 |
| Columbus, OH | 1 | $ 6,000 | $ 6,000 | $ 101,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 3,000 | $ 3,000 | $ 55,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 80,000 | $ 80,000 | $ 71,000 |
| Dothan, AL | 1 | $ 76,000 | $ 76,000 | $ 69,000 |
| Dover, DE | 1 | $ 20,000 | $ 20,000 | $ 86,000 |
| Durham-Chapel Hill, NC | 1 | $ 10,000 | $ 10,000 | $ 99,000 |
| Fayetteville, NC | 1 | $ 16,000 | $ 16,000 | $ 78,000 |
| Gainesville, GA | 1 | $ 6,000 | $ 6,000 | $ 58,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 40,000 | $ 40,000 | $ 300,000 |
| Greenville, NC | 1 | $ 34,000 | $ 34,000 | $ 26,000 |
| Indianapolis-Carmel, IN | 1 | $ 94,000 | $ 94,000 | $ 144,000 |
| Jacksonville, FL | 1 | $ 250,000 | $ 250,000 | $ 155,000 |
| Johnstown, PA | 1 | $ 35,000 | $ 35,000 | $ 72,000 |
| Kansas City, MO-KS | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Laredo, TX | 1 | $ 20,000 | $ 20,000 | $ 110,000 |
| Las Vegas-Paradise, NV | 1 | $ 10,000 | $ 10,000 | $ 91,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 320,000 | $ 320,000 | $ 133,000 |
| Monroe, LA | 1 | $ 4,000 | $ 4,000 | $ 63,000 |
| Naples-Marco Island, FL | 1 | $ 340,000 | $ 340,000 | $ 97,000 |
| Oklahoma City, OK | 1 | $ 417,000 | $ 417,000 | $ 195,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 40,000 | $ 40,000 | $ 138,000 |
| Prescott, AZ | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| Reno-Sparks, NV | 1 | $ 185,000 | $ 185,000 | $ 109,000 |
| Rochester, NY | 1 | $ 50,000 | $ 50,000 | $ 84,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 95,000 | $ 95,000 | $ 154,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 250,000 | $ 250,000 | $ 235,000 |
| Springfield, MA | 1 | $ 250,000 | $ 250,000 | $ 265,000 |
| Stockton, CA | 1 | $ 171,000 | $ 171,000 | $ 106,000 |
| Sumter, SC | 1 | $ 3,000 | $ 3,000 | $ 62,000 |
| Trenton-Ewing, NJ | 1 | $ 5,000 | $ 5,000 | $ 73,000 |
| Valdosta, GA | 1 | $ 2,000 | $ 2,000 | $ 52,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 35,000 | $ 35,000 | $ 118,000 |
| Wilmington, NC | 1 | $ 29,000 | $ 29,000 | $ 88,000 |
Mortgage Loan Application Detail Totals for Justice Federal Credit Union in 2013
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 | 785 | $19,395,000 | $24,000 | $250,000 | $107,000 | $760,000 |
| Home Purchase | 478 | $118,946,000 | $248,000 | $1,200,000 | $124,000 | $1,671,000 |
| Refinancing | 326 | $67,409,000 | $206,000 | $900,000 | $135,000 | $1,500,000 |
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 | 684 | $62,629,000 | $91,000 | $900,000 | $119,000 | $1,104,000 |
| White | 577 | $93,410,000 | $161,000 | $1,200,000 | $117,000 | $723,000 |
| Black or African American | 222 | $27,453,000 | $123,000 | $560,000 | $117,000 | $1,671,000 |
| Hispanic | 73 | $14,495,000 | $198,000 | $488,000 | $117,000 | $455,000 |
| Asian | 26 | $6,603,000 | $253,000 | $550,000 | $137,000 | $429,000 |
| American Indian or Alaskan Native | 5 | $746,000 | $149,000 | $220,000 | $57,000 | $77,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $414,000 | $207,000 | $412,000 | $77,000 | $79,000 |
| 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) | 1,589 | $205,750,000 | $129,000 | $1,200,000 | $118,000 | $1,671,000 |
| 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 | 529 | $32,182,000 | $60,000 | $562,000 | $119,000 | $760,000 |
| Application Denied By Financial Institution | 268 | $29,609,000 | $110,000 | $900,000 | $101,000 | $1,500,000 |
| Application Withdrawn By Applicant | 264 | $24,503,000 | $92,000 | $469,000 | $116,000 | $460,000 |
| File Closed For Incompleteness | 203 | $41,532,000 | $204,000 | $650,000 | $126,000 | $970,000 |
| Preapproval Approved but not Accepted | 112 | $33,067,000 | $295,000 | $1,200,000 | $130,000 | $288,000 |
| Preapproval Denied by Financial Institution | 112 | $21,333,000 | $190,000 | $410,000 | $116,000 | $1,671,000 |
| Application Approved But Not Accepted | 101 | $23,524,000 | $232,000 | $532,000 | $134,000 | $455,000 |
| 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 | $25,220,000 | $116,000 | $570,000 | $113,000 | $1,671,000 |
| Debt-To-Income Ratio | 93 | $14,334,000 | $154,000 | $520,000 | $81,000 | $305,000 |
| Collateral | 22 | $3,822,000 | $173,000 | $900,000 | $144,000 | $431,000 |
| Other | 22 | $2,063,000 | $93,000 | $595,000 | $126,000 | $233,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 18 | $3,949,000 | $219,000 | $417,000 | $81,000 | $168,000 |
| Mortgage Insurance Denied | 6 | $907,000 | $151,000 | $215,000 | $91,000 | $158,000 |
| Unverifiable Information | 2 | $530,000 | $265,000 | $330,000 | $84,000 | $115,000 |
| Employment History | 1 | $117,000 | $117,000 | $117,000 | $70,000 | $70,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Justice Federal Credit Union's 2013 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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