Justice Federal Credit Union Mortgage Lending & HMDA Data, 2018
In 2018, Justice Federal Credit Union of Chantilly, VA reported 1,380 mortgage applications totaling $262.7 million, down 9% from 2017. The average application was for $190,384, and applicants reported an average income of $124,671. 34% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (269), Baltimore-Columbia-Towson, MD (43) and Silver Spring-Frederick-Rockville, 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 | 1,380 |
| Total Mortgage Loan Application Amount | $262,730,000 |
| Average Mortgage Loan Application Amount | $190,384 |
| Highest Mortgage Loan Application Amount | $975,000 |
| Average Applicant Income | $124,671 |
| Highest Applicant Income | $2,640,000 |
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records Justice Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 269 | $ 51,785,000 | $ 192,509 | $ 159,204 |
| Outside any metro area | 134 | $ 13,630,000 | $ 101,716 | $ 91,074 |
| Baltimore-Columbia-Towson, MD | 43 | $ 5,535,000 | $ 128,720 | $ 159,000 |
| Silver Spring-Frederick-Rockville, MD | 37 | $ 8,445,000 | $ 228,243 | $ 149,000 |
| Houston-The Woodlands-Sugar Land, TX | 32 | $ 3,190,000 | $ 99,687 | $ 113,000 |
| Atlanta-Sandy Springs-Roswell, GA | 22 | $ 2,990,000 | $ 135,909 | $ 98,000 |
| New York-Jersey City-White Plains, NY-NJ | 22 | $ 4,820,000 | $ 219,090 | $ 131,454 |
| Chicago-Naperville-Arlington Heights, IL | 19 | $ 3,445,000 | $ 181,315 | $ 146,000 |
| Los Angeles-Long Beach-Glendale, CA | 19 | $ 3,765,000 | $ 198,157 | $ 150,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 17 | $ 2,245,000 | $ 132,058 | $ 116,000 |
| Tampa-St. Petersburg-Clearwater, FL | 16 | $ 1,390,000 | $ 86,875 | $ 72,000 |
| Fort Worth-Arlington, TX | 15 | $ 745,000 | $ 49,666 | $ 75,000 |
| Riverside-San Bernardino-Ontario, CA | 14 | $ 1,770,000 | $ 126,428 | $ 156,000 |
| Dallas-Plano-Irving, TX | 12 | $ 1,660,000 | $ 138,333 | $ 107,000 |
| Orlando-Kissimmee-Sanford, FL | 12 | $ 1,740,000 | $ 145,000 | $ 87,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 12 | $ 860,000 | $ 71,666 | $ 121,000 |
| Austin-Round Rock, TX | 10 | $ 1,390,000 | $ 139,000 | $ 82,000 |
| Lakeland-Winter Haven, FL | 10 | $ 960,000 | $ 96,000 | $ 69,000 |
| Richmond, VA | 10 | $ 1,340,000 | $ 134,000 | $ 138,000 |
| Camden, NJ | 8 | $ 1,090,000 | $ 136,250 | $ 111,000 |
| Charlotte-Concord-Gastonia, NC-SC | 8 | $ 1,100,000 | $ 137,500 | $ 97,000 |
| North Port-Sarasota-Bradenton, FL | 8 | $ 1,280,000 | $ 160,000 | $ 80,000 |
| San Diego-Carlsbad, CA | 8 | $ 1,660,000 | $ 207,500 | $ 189,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 8 | $ 1,260,000 | $ 157,500 | $ 154,000 |
| Newark, NJ-PA | 7 | $ 1,415,000 | $ 202,142 | $ 156,000 |
| Winchester, VA-WV | 7 | $ 1,385,000 | $ 197,857 | $ 141,142 |
| Durham-Chapel Hill, NC | 6 | $ 1,040,000 | $ 173,333 | $ 101,000 |
| Fresno, CA | 6 | $ 1,270,000 | $ 211,666 | $ 102,000 |
| Homosassa Springs, FL | 6 | $ 410,000 | $ 68,333 | $ 59,000 |
| Nassau County-Suffolk County, NY | 6 | $ 1,120,000 | $ 186,666 | $ 152,000 |
| San Antonio-New Braunfels, TX | 6 | $ 1,140,000 | $ 190,000 | $ 95,000 |
| Atlantic City-Hammonton, NJ | 5 | $ 645,000 | $ 129,000 | $ 171,000 |
| Beaumont-Port Arthur, TX | 5 | $ 305,000 | $ 61,000 | $ 84,000 |
| Cambridge-Newton-Framingham, MA | 5 | $ 925,000 | $ 185,000 | $ 336,000 |
| Lubbock, TX | 5 | $ 315,000 | $ 63,000 | $ 69,000 |
| Abilene, TX | 4 | $ 210,000 | $ 52,500 | $ 29,000 |
| Anaheim-Santa Ana-Irvine, CA | 4 | $ 510,000 | $ 127,500 | $ 187,000 |
| Bridgeport-Stamford-Norwalk, CT | 4 | $ 440,000 | $ 110,000 | $ 144,000 |
| Brunswick, GA | 4 | $ 210,000 | $ 52,500 | $ 54,000 |
| El Paso, TX | 4 | $ 370,000 | $ 92,500 | $ 59,000 |
| Las Vegas-Henderson-Paradise, NV | 4 | $ 820,000 | $ 205,000 | $ 69,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 650,000 | $ 162,500 | $ 115,000 |
| Morgantown, WV | 4 | $ 660,000 | $ 165,000 | $ 112,000 |
| Oakland-Hayward-Berkeley, CA | 4 | $ 840,000 | $ 210,000 | $ 145,000 |
| Ocala, FL | 4 | $ 250,000 | $ 62,500 | $ 77,000 |
| Pittsburgh, PA | 4 | $ 630,000 | $ 157,500 | $ 151,000 |
| Raleigh, NC | 4 | $ 1,190,000 | $ 297,500 | $ 138,000 |
| Tyler, TX | 4 | $ 180,000 | $ 45,000 | $ 64,000 |
| Beckley, WV | 3 | $ 325,000 | $ 108,333 | $ 64,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 3 | $ 225,000 | $ 75,000 | $ 74,000 |
| Columbus, OH | 3 | $ 275,000 | $ 91,666 | $ 99,000 |
| Montgomery County-Bucks County-Chester County, PA | 3 | $ 195,000 | $ 65,000 | $ 157,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 815,000 | $ 271,666 | $ 290,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 585,000 | $ 195,000 | $ 144,000 |
| Port St. Lucie, FL | 3 | $ 115,000 | $ 38,333 | $ 54,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 205,000 | $ 68,333 | $ 138,000 |
| Asheville, NC | 2 | $ 520,000 | $ 260,000 | $ 75,000 |
| Charleston, WV | 2 | $ 170,000 | $ 85,000 | $ 75,000 |
| Charleston-North Charleston, SC | 2 | $ 690,000 | $ 345,000 | $ 92,000 |
| College Station-Bryan, TX | 2 | $ 130,000 | $ 65,000 | $ 35,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 150,000 | $ 75,000 | $ 187,000 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 460,000 | $ 230,000 | $ 93,000 |
| Gary, IN | 2 | $ 560,000 | $ 280,000 | $ 68,000 |
| Greensboro-High Point, NC | 2 | $ 480,000 | $ 240,000 | $ 84,000 |
| Huntsville, AL | 2 | $ 270,000 | $ 135,000 | $ 90,000 |
| Kansas City, MO-KS | 2 | $ 520,000 | $ 260,000 | $ 100,000 |
| Memphis, TN-MS-AR | 2 | $ 390,000 | $ 195,000 | $ 173,500 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 540,000 | $ 270,000 | $ 93,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 290,000 | $ 145,000 | $ 56,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 130,000 | $ 65,000 | $ 49,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 80,000 | $ 40,000 | $ 52,000 |
| Panama City, FL | 2 | $ 150,000 | $ 75,000 | $ 30,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 500,000 | $ 250,000 | $ 101,000 |
| Roanoke, VA | 2 | $ 120,000 | $ 60,000 | $ 154,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 320,000 | $ 160,000 | $ 167,000 |
| Savannah, GA | 2 | $ 380,000 | $ 190,000 | $ 81,000 |
| Staunton-Waynesboro, VA | 2 | $ 180,000 | $ 90,000 | $ 71,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 95,000 | $ 95,000 | $ 70,000 |
| Barnstable Town, MA | 1 | $ 45,000 | $ 45,000 | $ 60,000 |
| Brownsville-Harlingen, TX | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| California-Lexington Park, MD | 1 | $ 65,000 | $ 65,000 | $ 243,000 |
| Charlottesville, VA | 1 | $ 405,000 | $ 405,000 | $ 112,000 |
| Chattanooga, TN-GA | 1 | $ 135,000 | $ 135,000 | $ 84,000 |
| Cleveland-Elyria, OH | 1 | $ 55,000 | $ 55,000 | $ 148,000 |
| Columbia, SC | 1 | $ 245,000 | $ 245,000 | $ 178,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 55,000 | $ 55,000 | $ 17,000 |
| Dayton, OH | 1 | $ 125,000 | $ 125,000 | $ 119,000 |
| El Centro, CA | 1 | $ 35,000 | $ 35,000 | $ 318,000 |
| Eugene, OR | 1 | $ 245,000 | $ 245,000 | $ 66,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 305,000 | $ 305,000 | $ 89,000 |
| Gainesville, GA | 1 | $ 45,000 | $ 45,000 | $ 178,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 15,000 | $ 15,000 | $ 117,000 |
| Jackson, MS | 1 | $ 145,000 | $ 145,000 | $ 71,000 |
| Jacksonville, FL | 1 | $ 55,000 | $ 55,000 | $ 106,000 |
| Kennewick-Richland, WA | 1 | $ 445,000 | $ 445,000 | $ 135,000 |
| Lafayette, LA | 1 | $ 45,000 | $ 45,000 | $ 117,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 125,000 | $ 125,000 | $ 120,000 |
| Midland, TX | 1 | $ 55,000 | $ 55,000 | $ 33,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 435,000 | $ 435,000 | $ 118,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 195,000 | $ 195,000 | $ 89,000 |
| New Haven-Milford, CT | 1 | $ 225,000 | $ 225,000 | $ 229,000 |
| New Orleans-Metairie, LA | 1 | $ 285,000 | $ 285,000 | $ 93,000 |
| Ocean City, NJ | 1 | $ 35,000 | $ 35,000 | $ 164,000 |
| Odessa, TX | 1 | $ 55,000 | $ 55,000 | $ 61,000 |
| Oklahoma City, OK | 1 | $ 445,000 | $ 445,000 | $ 201,000 |
| Olympia-Tumwater, WA | 1 | $ 165,000 | $ 165,000 | $ 126,000 |
| Philadelphia, PA | 1 | $ 15,000 | $ 15,000 | $ 121,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 415,000 | $ 415,000 | $ 253,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 105,000 | $ 105,000 | $ 241,000 |
| San Rafael, CA | 1 | $ 165,000 | $ 165,000 | $ 246,000 |
| Santa Fe, NM | 1 | $ 175,000 | $ 175,000 | $ 64,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 25,000 | $ 25,000 | $ 73,000 |
| Springfield, MA | 1 | $ 275,000 | $ 275,000 | $ 149,000 |
| Springfield, MO | 1 | $ 145,000 | $ 145,000 | $ 157,000 |
| St. Louis, MO-IL | 1 | $ 245,000 | $ 245,000 | $ 95,000 |
| Tallahassee, FL | 1 | $ 45,000 | $ 45,000 | $ 75,000 |
| The Villages, FL | 1 | $ 15,000 | $ 15,000 | $ 82,000 |
| Toledo, OH | 1 | $ 35,000 | $ 35,000 | $ 110,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 125,000 | $ 125,000 | $ 66,000 |
| Wheeling, WV-OH | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Wilmington, DE-MD-NJ | 1 | $ 215,000 | $ 215,000 | $ 171,000 |
| Wilmington, NC | 1 | $ 365,000 | $ 365,000 | $ 120,000 |
| Winston-Salem, NC | 1 | $ 45,000 | $ 45,000 | $ 59,000 |
Mortgage Loan Application Detail Totals for Justice Federal Credit Union in 2018
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 Purchase | 814 | $186,200,000 | $228,000 | $975,000 | $116,000 | $2,640,000 |
| Refinancing | 258 | $55,770,000 | $216,000 | $675,000 | $127,000 | $521,000 |
| Home Improvement | 167 | $12,205,000 | $73,000 | $255,000 | $164,000 | $413,000 |
| Other Purpose | 140 | $8,490,000 | $60,000 | $255,000 | $124,000 | $465,000 |
| Cash-out Refinancing | 1 | $65,000 | $65,000 | $65,000 | $109,000 | $109,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 730 | $132,020,000 | $180,000 | $975,000 | $121,000 | $657,000 |
| Not Provided | 283 | $57,705,000 | $203,000 | $685,000 | $142,000 | $696,000 |
| Black or African American | 208 | $39,880,000 | $191,000 | $655,000 | $109,000 | $357,000 |
| Hispanic | 97 | $17,655,000 | $182,000 | $635,000 | $132,000 | $2,640,000 |
| Asian | 39 | $8,765,000 | $224,000 | $965,000 | $117,000 | $348,000 |
| American Indian or Alaskan Native | 14 | $3,590,000 | $256,000 | $945,000 | $115,000 | $334,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,045,000 | $348,000 | $545,000 | $129,000 | $180,000 |
| 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) | 1,380 | $262,730,000 | $190,000 | $975,000 | $125,000 | $2,640,000 |
| 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 | 476 | $79,400,000 | $166,000 | $975,000 | $144,000 | $429,000 |
| Preapproval Approved but not Accepted | 259 | $78,765,000 | $304,000 | $965,000 | $124,000 | $696,000 |
| Application Approved But Not Accepted | 181 | $34,045,000 | $188,000 | $675,000 | $146,000 | $657,000 |
| Loan Purchased By The Institution | 155 | $9,365,000 | $60,000 | $135,000 | $62,000 | $284,000 |
| Preapproval Denied by Financial Institution | 123 | $31,565,000 | $256,000 | $675,000 | $109,000 | $2,640,000 |
| Application Withdrawn By Applicant | 108 | $16,960,000 | $157,000 | $675,000 | $129,000 | $374,000 |
| Application Denied By Financial Institution | 78 | $12,630,000 | $161,000 | $675,000 | $109,000 | $521,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,179 | $218,535,000 | $185,000 | $975,000 | $128,000 | $696,000 |
| Credit History | 90 | $16,940,000 | $188,000 | $675,000 | $143,000 | $2,640,000 |
| Debt-To-Income Ratio | 76 | $20,070,000 | $264,000 | $675,000 | $75,000 | $238,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $2,945,000 | $267,000 | $505,000 | $97,000 | $163,000 |
| Other | 10 | $1,040,000 | $104,000 | $255,000 | $118,000 | $249,000 |
| Collateral | 6 | $960,000 | $160,000 | $285,000 | $73,000 | $126,000 |
| Credit Application Incomplete | 5 | $1,795,000 | $359,000 | $625,000 | $101,000 | $160,000 |
| Employment History | 3 | $445,000 | $148,000 | $255,000 | $80,000 | $134,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Justice Federal Credit Union's 2018 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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