Justice Federal Credit Union Mortgage Lending & HMDA Data, 2015
In 2015, Justice Federal Credit Union of Chantilly, VA reported 1,259 mortgage applications totaling $146.6 million, down 14% from 2014. The average application was for $116,468, and applicants reported an average income of $106,909. 34% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (306), Houston-The Woodlands-Sugar Land, TX (55) and Baltimore-Columbia-Towson, MD (37) (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 | 1,259 |
| Total Mortgage Loan Application Amount | $146,634,000 |
| Average Mortgage Loan Application Amount | $116,468 |
| Highest Mortgage Loan Application Amount | $1,249,000 |
| Average Applicant Income | $106,909 |
| Highest Applicant Income | $1,317,000 |
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records Justice Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 306 | $ 35,873,000 | $ 117,232 | $ 135,248 |
| Houston-The Woodlands-Sugar Land, TX | 55 | $ 5,186,000 | $ 94,290 | $ 102,000 |
| Baltimore-Columbia-Towson, MD | 37 | $ 2,225,000 | $ 60,135 | $ 110,000 |
| Atlanta-Sandy Springs-Roswell, GA | 33 | $ 1,770,000 | $ 53,636 | $ 88,000 |
| New York-Jersey City-White Plains, NY-NJ | 27 | $ 2,156,000 | $ 79,851 | $ 93,777 |
| Silver Spring-Frederick-Rockville, MD | 21 | $ 2,706,000 | $ 128,857 | $ 134,000 |
| Los Angeles-Long Beach-Glendale, CA | 20 | $ 2,174,000 | $ 108,700 | $ 129,000 |
| Austin-Round Rock, TX | 11 | $ 610,000 | $ 55,454 | $ 68,000 |
| Tampa-St. Petersburg-Clearwater, FL | 11 | $ 966,000 | $ 87,818 | $ 56,000 |
| Winchester, VA-WV | 11 | $ 362,000 | $ 32,909 | $ 110,636 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 10 | $ 1,125,000 | $ 112,500 | $ 101,000 |
| San Antonio-New Braunfels, TX | 10 | $ 908,000 | $ 90,800 | $ 109,000 |
| Chicago-Naperville-Arlington Heights, IL | 9 | $ 882,000 | $ 98,000 | $ 116,000 |
| Newark, NJ-PA | 9 | $ 862,000 | $ 95,777 | $ 118,111 |
| Riverside-San Bernardino-Ontario, CA | 9 | $ 429,000 | $ 47,666 | $ 112,000 |
| Dallas-Plano-Irving, TX | 8 | $ 473,000 | $ 59,125 | $ 57,000 |
| Jackson, MS | 8 | $ 248,000 | $ 31,000 | $ 65,000 |
| Jacksonville, FL | 8 | $ 484,000 | $ 60,500 | $ 67,000 |
| Fort Worth-Arlington, TX | 7 | $ 468,000 | $ 66,857 | $ 90,000 |
| Morgantown, WV | 7 | $ 667,000 | $ 95,285 | $ 64,000 |
| Fayetteville, NC | 6 | $ 490,000 | $ 81,666 | $ 131,000 |
| Knoxville, TN | 6 | $ 1,070,000 | $ 178,333 | $ 162,000 |
| Macon, GA | 6 | $ 86,000 | $ 14,333 | $ 97,000 |
| Miami-Miami Beach-Kendall, FL | 6 | $ 429,000 | $ 71,500 | $ 82,000 |
| New Orleans-Metairie, LA | 6 | $ 788,000 | $ 131,333 | $ 132,000 |
| Fresno, CA | 5 | $ 342,000 | $ 68,400 | $ 112,000 |
| Lakeland-Winter Haven, FL | 5 | $ 125,000 | $ 25,000 | $ 60,000 |
| Nassau County-Suffolk County, NY | 5 | $ 467,000 | $ 93,400 | $ 189,000 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 799,000 | $ 159,800 | $ 87,000 |
| Raleigh, NC | 5 | $ 731,000 | $ 146,200 | $ 84,000 |
| Richmond, VA | 5 | $ 55,000 | $ 11,000 | $ 78,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 462,000 | $ 115,500 | $ 107,000 |
| Laredo, TX | 4 | $ 380,000 | $ 95,000 | $ 65,000 |
| McAllen-Edinburg-Mission, TX | 4 | $ 377,000 | $ 94,250 | $ 89,000 |
| Savannah, GA | 4 | $ 136,000 | $ 34,000 | $ 78,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 1,232,000 | $ 308,000 | $ 185,000 |
| Columbia, SC | 3 | $ 244,000 | $ 81,333 | $ 82,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 105,000 | $ 35,000 | $ 46,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 194,000 | $ 64,666 | $ 99,000 |
| Huntsville, AL | 3 | $ 135,000 | $ 45,000 | $ 114,000 |
| Kansas City, MO-KS | 3 | $ 376,000 | $ 125,333 | $ 123,666 |
| Las Vegas-Henderson-Paradise, NV | 3 | $ 570,000 | $ 190,000 | $ 59,000 |
| Memphis, TN-MS-AR | 3 | $ 44,000 | $ 14,666 | $ 114,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 230,000 | $ 76,666 | $ 70,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 682,000 | $ 227,333 | $ 138,000 |
| Salem, OR | 3 | $ 300,000 | $ 100,000 | $ 92,000 |
| San Diego-Carlsbad, CA | 3 | $ 490,000 | $ 163,333 | $ 103,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 447,000 | $ 223,500 | $ 194,000 |
| Brownsville-Harlingen, TX | 2 | $ 239,000 | $ 119,500 | $ 73,000 |
| California-Lexington Park, MD | 2 | $ 18,000 | $ 9,000 | $ 67,000 |
| Colorado Springs, CO | 2 | $ 43,000 | $ 21,500 | $ 155,000 |
| Dalton, GA | 2 | $ 29,000 | $ 14,500 | $ 48,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 70,000 | $ 35,000 | $ 203,000 |
| El Paso, TX | 2 | $ 119,000 | $ 59,500 | $ 43,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 312,000 | $ 156,000 | $ 74,000 |
| Homosassa Springs, FL | 2 | $ 91,000 | $ 45,500 | $ 59,000 |
| Killeen-Temple, TX | 2 | $ 90,000 | $ 45,000 | $ 26,000 |
| Longview, TX | 2 | $ 149,000 | $ 74,500 | $ 45,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 353,000 | $ 176,500 | $ 111,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 20,000 | $ 10,000 | $ 50,000 |
| Ocala, FL | 2 | $ 45,000 | $ 22,500 | $ 87,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 320,000 | $ 160,000 | $ 77,000 |
| Panama City, FL | 2 | $ 76,000 | $ 38,000 | $ 105,000 |
| Salt Lake City, UT | 2 | $ 14,000 | $ 7,000 | $ 94,000 |
| Springfield, MA | 2 | $ 507,000 | $ 253,500 | $ 117,000 |
| St. Louis, MO-IL | 2 | $ 355,000 | $ 177,500 | $ 152,000 |
| Tallahassee, FL | 2 | $ 152,000 | $ 76,000 | $ 35,000 |
| The Villages, FL | 2 | $ 94,000 | $ 47,000 | $ 64,000 |
| Tyler, TX | 2 | $ 86,000 | $ 43,000 | $ 31,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 343,000 | $ 171,500 | $ 177,500 |
| Albany, GA | 1 | $ 1,000 | $ 1,000 | $ 49,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 30,000 | $ 30,000 | $ 95,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 10,000 | $ 10,000 | $ 141,000 |
| Altoona, PA | 1 | $ 160,000 | $ 160,000 | $ 66,000 |
| Ames, IA | 1 | $ 143,000 | $ 143,000 | $ 63,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 404,000 | $ 404,000 | $ 86,000 |
| Athens-Clarke County, GA | 1 | $ 71,000 | $ 71,000 | $ 38,000 |
| Auburn-Opelika, AL | 1 | $ 75,000 | $ 75,000 | $ 143,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 58,000 | $ 58,000 | $ 72,000 |
| Baton Rouge, LA | 1 | $ 5,000 | $ 5,000 | $ 69,000 |
| Beaumont-Port Arthur, TX | 1 | $ 50,000 | $ 50,000 | $ 63,000 |
| Beckley, WV | 1 | $ 20,000 | $ 20,000 | $ 72,000 |
| Boston, MA | 1 | $ 387,000 | $ 387,000 | $ 177,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 164,000 | $ 164,000 | $ 92,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 360,000 | $ 360,000 | $ 140,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 70,000 | $ 70,000 | $ 73,000 |
| Cape Girardeau, MO-IL | 1 | $ 10,000 | $ 10,000 | $ 47,000 |
| Charlottesville, VA | 1 | $ 40,000 | $ 40,000 | $ 131,000 |
| Chattanooga, TN-GA | 1 | $ 57,000 | $ 57,000 | $ 30,000 |
| Cincinnati, OH-KY-IN | 1 | $ 124,000 | $ 124,000 | $ 20,000 |
| Cleveland-Elyria, OH | 1 | $ 184,000 | $ 184,000 | $ 86,000 |
| Coeur D'Alene, ID | 1 | $ 139,000 | $ 139,000 | $ 195,000 |
| College Station-Bryan, TX | 1 | $ 47,000 | $ 47,000 | $ 34,000 |
| Columbus, GA-AL | 1 | $ 16,000 | $ 16,000 | $ 98,000 |
| Corpus Christi, TX | 1 | $ 190,000 | $ 190,000 | $ 160,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 52,000 | $ 52,000 | $ 15,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 172,000 | $ 172,000 | $ 107,000 |
| Durham-Chapel Hill, NC | 1 | $ 247,000 | $ 247,000 | $ 124,000 |
| East Stroudsburg, PA | 1 | $ 204,000 | $ 204,000 | $ 132,000 |
| Gainesville, FL | 1 | $ 68,000 | $ 68,000 | $ 66,000 |
| Gainesville, GA | 1 | $ 87,000 | $ 87,000 | $ 176,000 |
| Gary, IN | 1 | $ 10,000 | $ 10,000 | $ 103,000 |
| Harrisonburg, VA | 1 | $ 350,000 | $ 350,000 | $ 159,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 130,000 | $ 130,000 | $ 132,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 200,000 | $ 200,000 | $ 259,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 13,000 | $ 13,000 | $ 72,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 3,000 | $ 3,000 | $ 21,000 |
| Lake Charles, LA | 1 | $ 12,000 | $ 12,000 | $ 181,000 |
| Lebanon, PA | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 3,000 | $ 3,000 | $ 32,000 |
| Midland, TX | 1 | $ 54,000 | $ 54,000 | $ 45,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 3,000 | $ 3,000 | $ 650,000 |
| Modesto, CA | 1 | $ 283,000 | $ 283,000 | $ 260,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 15,000 | $ 15,000 | $ 121,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 52,000 | $ 52,000 | $ 82,000 |
| New Haven-Milford, CT | 1 | $ 80,000 | $ 80,000 | $ 293,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 162,000 | $ 162,000 | $ 70,000 |
| Odessa, TX | 1 | $ 50,000 | $ 50,000 | $ 93,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 25,000 | $ 25,000 | $ 165,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 42,000 | $ 42,000 | $ 44,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 131,000 | $ 131,000 | $ 54,000 |
| Philadelphia, PA | 1 | $ 15,000 | $ 15,000 | $ 33,000 |
| Pittsburgh, PA | 1 | $ 275,000 | $ 275,000 | $ 148,000 |
| Punta Gorda, FL | 1 | $ 46,000 | $ 46,000 | $ 30,000 |
| Reno, NV | 1 | $ 128,000 | $ 128,000 | $ 60,000 |
| Salisbury, MD-DE | 1 | $ 7,000 | $ 7,000 | $ 22,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 80,000 | $ 80,000 | $ 100,000 |
| Syracuse, NY | 1 | $ 10,000 | $ 10,000 | $ 45,000 |
| Terre Haute, IN | 1 | $ 15,000 | $ 15,000 | $ 75,000 |
| Toledo, OH | 1 | $ 295,000 | $ 295,000 | $ 197,000 |
| Topeka, KS | 1 | $ 20,000 | $ 20,000 | $ 135,000 |
| Trenton, NJ | 1 | $ 180,000 | $ 180,000 | $ 95,000 |
| Tucson, AZ | 1 | $ 92,000 | $ 92,000 | $ 102,000 |
| Wilmington, DE-MD-NJ | 1 | $ 5,000 | $ 5,000 | $ 81,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 15,000 | $ 15,000 | $ 1,000 |
Mortgage Loan Application Detail Totals for Justice Federal Credit Union in 2015
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 | 574 | $12,648,000 | $22,000 | $250,000 | $106,000 | $1,070,000 |
| Home Purchase | 468 | $85,926,000 | $183,000 | $1,249,000 | $95,000 | $350,000 |
| Refinancing | 217 | $48,060,000 | $221,000 | $893,000 | $135,000 | $1,317,000 |
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 |
|---|---|---|---|---|---|---|
| White | 629 | $81,435,000 | $129,000 | $1,249,000 | $110,000 | $1,100,000 |
| Not Provided | 259 | $28,608,000 | $110,000 | $680,000 | $107,000 | $385,000 |
| Black or African American | 256 | $21,254,000 | $83,000 | $600,000 | $97,000 | $1,317,000 |
| Hispanic | 76 | $8,708,000 | $114,000 | $513,000 | $99,000 | $326,000 |
| Asian | 20 | $4,446,000 | $222,000 | $530,000 | $155,000 | $740,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $1,145,000 | $104,000 | $336,000 | $118,000 | $260,000 |
| American Indian or Alaskan Native | 8 | $1,038,000 | $129,000 | $417,000 | $102,000 | $272,000 |
| 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) | 1,259 | $146,634,000 | $116,000 | $1,249,000 | $107,000 | $1,317,000 |
| 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 | 434 | $32,779,000 | $75,000 | $885,000 | $116,000 | $650,000 |
| Application Denied By Financial Institution | 187 | $18,322,000 | $97,000 | $700,000 | $94,000 | $360,000 |
| Loan Purchased By The Institution | 172 | $9,937,000 | $57,000 | $145,000 | $59,000 | $200,000 |
| Application Withdrawn By Applicant | 139 | $15,649,000 | $112,000 | $893,000 | $129,000 | $1,317,000 |
| Preapproval Approved but not Accepted | 113 | $31,984,000 | $283,000 | $700,000 | $124,000 | $308,000 |
| Preapproval Denied by Financial Institution | 88 | $19,103,000 | $217,000 | $600,000 | $90,000 | $251,000 |
| File Closed For Incompleteness | 68 | $4,273,000 | $62,000 | $711,000 | $101,000 | $740,000 |
| Application Approved But Not Accepted | 58 | $14,587,000 | $251,000 | $1,249,000 | $161,000 | $1,100,000 |
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 | 148 | $17,898,000 | $120,000 | $700,000 | $95,000 | $360,000 |
| Debt-To-Income Ratio | 86 | $14,022,000 | $163,000 | $600,000 | $89,000 | $233,000 |
| Other | 18 | $504,000 | $28,000 | $80,000 | $77,000 | $115,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $3,009,000 | $273,000 | $480,000 | $91,000 | $146,000 |
| Collateral | 6 | $1,412,000 | $235,000 | $343,000 | $156,000 | $209,000 |
| Employment History | 2 | $245,000 | $122,000 | $220,000 | $36,000 | $52,000 |
| Mortgage Insurance Denied | 2 | $260,000 | $130,000 | $181,000 | $85,000 | $94,000 |
| Unverifiable Information | 2 | $75,000 | $37,000 | $50,000 | $125,000 | $150,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Justice Federal Credit Union's 2015 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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