Justice Federal Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, Justice Federal Credit Union of Chantilly, VA reported 814 mortgage applications totaling $161.4 million, down 21% from 2023. The average application was for $198,329, and applicants reported an average income of $161,049. 44% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Arlington-Alexandria-Reston, VA-WV (100), Washington, DC-MD (100) and Washington-Baltimore-Arlington, DC (32) (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 | 814 |
| Total Mortgage Loan Application Amount | $161,440,000 |
| Average Mortgage Loan Application Amount | $198,329 |
| Highest Mortgage Loan Application Amount | $1,685,000 |
| Average Applicant Income | $161,049 |
| Highest Applicant Income | $900,000 |
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records Justice Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 230 | $ 67,360,000 | $ 292,869 | $ 138,000 |
| Arlington-Alexandria-Reston, VA-WV | 100 | $ 15,830,000 | $ 158,300 | $ 195,610 |
| Washington, DC-MD | 100 | $ 12,510,000 | $ 125,100 | $ 167,160 |
| Washington-Baltimore-Arlington, DC | 32 | $ 6,340,000 | $ 198,125 | $ 211,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 24 | $ 3,290,000 | $ 137,083 | $ 139,000 |
| Baltimore-Columbia-Towson, MD | 19 | $ 2,735,000 | $ 143,947 | $ 149,000 |
| Atlanta-Sandy Springs-Roswell, GA | 17 | $ 1,825,000 | $ 107,352 | $ 131,000 |
| Chicago-Naperville, IL | 17 | $ 3,985,000 | $ 234,411 | $ 188,000 |
| New York-Jersey City-White Plains, NY-NJ | 17 | $ 3,145,000 | $ 185,000 | $ 183,352 |
| Lakewood-New Brunswick, NJ | 13 | $ 2,345,000 | $ 180,384 | $ 216,000 |
| Miami-Miami Beach-Kendall, FL | 13 | $ 1,835,000 | $ 141,153 | $ 144,000 |
| Riverside-San Bernardino-Ontario, CA | 13 | $ 1,375,000 | $ 105,769 | $ 159,000 |
| Los Angeles-Long Beach-Glendale, CA | 10 | $ 1,590,000 | $ 159,000 | $ 189,000 |
| Charlotte-Concord-Gastonia, NC-SC | 8 | $ 1,010,000 | $ 126,250 | $ 135,000 |
| Houston-The Woodlands-Sugar Land, TX | 8 | $ 880,000 | $ 110,000 | $ 200,000 |
| Morgantown, WV | 8 | $ 1,150,000 | $ 143,750 | $ 111,000 |
| Pittsburgh, PA | 8 | $ 880,000 | $ 110,000 | $ 196,000 |
| Richmond, VA | 8 | $ 1,060,000 | $ 132,500 | $ 134,000 |
| Lexington Park, MD | 7 | $ 1,215,000 | $ 173,571 | $ 171,000 |
| Orlando-Kissimmee-Sanford, FL | 7 | $ 935,000 | $ 133,571 | $ 134,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 7 | $ 1,205,000 | $ 172,142 | $ 176,000 |
| Fort Worth-Arlington, TX | 6 | $ 1,190,000 | $ 198,333 | $ 163,000 |
| San Diego-Carlsbad, CA | 6 | $ 1,430,000 | $ 238,333 | $ 131,000 |
| Dallas-Plano-Irving, TX | 5 | $ 785,000 | $ 157,000 | $ 156,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 1,285,000 | $ 257,000 | $ 119,000 |
| Nassau County-Suffolk County, NY | 5 | $ 1,255,000 | $ 251,000 | $ 257,000 |
| Camden, NJ | 4 | $ 480,000 | $ 120,000 | $ 156,000 |
| Macon-Bibb County, GA | 4 | $ 930,000 | $ 232,500 | $ 100,000 |
| Newark, NJ-PA | 4 | $ 760,000 | $ 190,000 | $ 173,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 720,000 | $ 180,000 | $ 178,000 |
| Port St. Lucie, FL | 4 | $ 300,000 | $ 75,000 | $ 125,000 |
| Akron, OH | 3 | $ 385,000 | $ 128,333 | $ 123,000 |
| Columbus, GA-AL | 3 | $ 835,000 | $ 278,333 | $ 124,000 |
| Columbus, OH | 3 | $ 675,000 | $ 225,000 | $ 140,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 175,000 | $ 58,333 | $ 162,666 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 355,000 | $ 118,333 | $ 123,000 |
| Tampa, FL | 3 | $ 475,000 | $ 158,333 | $ 208,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 180,000 | $ 90,000 | $ 254,000 |
| Austin-Round Rock, TX | 2 | $ 170,000 | $ 85,000 | $ 136,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 200,000 | $ 100,000 | $ 104,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 2 | $ 280,000 | $ 140,000 | $ 112,000 |
| Memphis, TN-MS-AR | 2 | $ 190,000 | $ 95,000 | $ 95,000 |
| Montgomery, AL | 2 | $ 750,000 | $ 375,000 | $ 192,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 690,000 | $ 345,000 | $ 170,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 400,000 | $ 200,000 | $ 250,000 |
| Philadelphia, PA | 2 | $ 840,000 | $ 420,000 | $ 200,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 900,000 | $ 450,000 | $ 266,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 180,000 | $ 90,000 | $ 240,000 |
| Wilmington, DE-MD-NJ | 2 | $ 640,000 | $ 320,000 | $ 148,000 |
| Winchester, VA-WV | 2 | $ 320,000 | $ 160,000 | $ 204,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 255,000 | $ 255,000 | $ 297,000 |
| Asheville, NC | 1 | $ 105,000 | $ 105,000 | $ 110,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 315,000 | $ 315,000 | $ 192,000 |
| Beckley, WV | 1 | $ 65,000 | $ 65,000 | $ 68,000 |
| Billings, MT | 1 | $ 395,000 | $ 395,000 | $ 131,000 |
| Birmingham-Hoover, AL | 1 | $ 305,000 | $ 305,000 | $ 118,000 |
| Boston, MA | 1 | $ 85,000 | $ 85,000 | $ 144,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 255,000 | $ 255,000 | $ 220,000 |
| Charleston, WV | 1 | $ 95,000 | $ 95,000 | $ 190,000 |
| Cleveland, OH | 1 | $ 125,000 | $ 125,000 | $ 142,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 185,000 | $ 185,000 | $ 101,000 |
| Dalton, GA | 1 | $ 105,000 | $ 105,000 | $ 120,000 |
| Decatur, AL | 1 | $ 295,000 | $ 295,000 | $ 205,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 645,000 | $ 645,000 | $ 170,000 |
| El Paso, TX | 1 | $ 235,000 | $ 235,000 | $ 85,000 |
| Fort Wayne, IN | 1 | $ 305,000 | $ 305,000 | $ 141,000 |
| Gainesville, FL | 1 | $ 175,000 | $ 175,000 | $ 114,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 145,000 | $ 145,000 | $ 185,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 325,000 | $ 325,000 | $ 165,000 |
| Jackson, MS | 1 | $ 65,000 | $ 65,000 | $ 78,000 |
| Lake County-Porter County-Jasper County, IN | 1 | $ 245,000 | $ 245,000 | $ 131,000 |
| Laredo, TX | 1 | $ 45,000 | $ 45,000 | $ 159,000 |
| Lynchburg, VA | 1 | $ 55,000 | $ 55,000 | $ 82,000 |
| Marietta, GA | 1 | $ 115,000 | $ 115,000 | $ 63,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 375,000 | $ 375,000 | $ 249,000 |
| Morristown, TN | 1 | $ 485,000 | $ 485,000 | $ 191,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 35,000 | $ 35,000 | $ 66,000 |
| New Haven-Milford, CT | 1 | $ 105,000 | $ 105,000 | $ 293,000 |
| Oklahoma City, OK | 1 | $ 255,000 | $ 255,000 | $ 109,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 605,000 | $ 605,000 | $ 224,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 155,000 | $ 155,000 | $ 97,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 55,000 | $ 55,000 | $ 222,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 405,000 | $ 405,000 | $ 168,000 |
| Punta Gorda, FL | 1 | $ 65,000 | $ 65,000 | $ 308,000 |
| Raleigh, NC | 1 | $ 45,000 | $ 45,000 | $ 84,000 |
| Redding, CA | 1 | $ 375,000 | $ 375,000 | $ 153,000 |
| Rocky Mount, NC | 1 | $ 25,000 | $ 25,000 | $ 144,000 |
| Rome, GA | 1 | $ 25,000 | $ 25,000 | $ 51,000 |
| Salinas, CA | 1 | $ 55,000 | $ 55,000 | $ 182,000 |
| San Antonio-New Braunfels, TX | 1 | $ 165,000 | $ 165,000 | $ 152,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 255,000 | $ 255,000 | $ 403,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 75,000 | $ 75,000 | $ 71,000 |
| Santa Rosa, CA | 1 | $ 765,000 | $ 765,000 | $ 405,000 |
| Sebastian-Vero Beach, FL | 1 | $ 125,000 | $ 125,000 | $ 148,000 |
| Slidell-Mandeville-Covington, LA | 1 | $ 285,000 | $ 285,000 | $ 143,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 85,000 | $ 85,000 | $ 112,000 |
| Stockton-Lodi, CA | 1 | $ 35,000 | $ 35,000 | $ 102,000 |
| Toledo, OH | 1 | $ 105,000 | $ 105,000 | $ 190,000 |
| Tyler, TX | 1 | $ 285,000 | $ 285,000 | $ 88,000 |
| Valdosta, GA | 1 | $ 55,000 | $ 55,000 | $ 80,000 |
| Visalia-Porterville, CA | 1 | $ 105,000 | $ 105,000 | $ 141,000 |
| Waco, TX | 1 | $ 35,000 | $ 35,000 | $ 297,000 |
| Wilmington, NC | 1 | $ 155,000 | $ 155,000 | $ 97,000 |
| Winston-Salem, NC | 1 | $ 45,000 | $ 45,000 | $ 59,000 |
| York-Hanover, PA | 1 | $ 315,000 | $ 315,000 | $ 192,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 65,000 | $ 65,000 | $ 96,000 |
Mortgage Loan Application Detail Totals for Justice Federal Credit Union in 2024
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 | 275 | $31,875,000 | $115,000 | $255,000 | $179,000 | $517,000 |
| Home Purchase | 265 | $91,795,000 | $346,000 | $1,685,000 | $145,000 | $900,000 |
| Other Purpose | 206 | $23,700,000 | $115,000 | $255,000 | $160,000 | $463,000 |
| Refinancing | 57 | $11,555,000 | $202,000 | $555,000 | $160,000 | $370,000 |
| Cash-out Refinancing | 11 | $2,515,000 | $228,000 | $505,000 | $124,000 | $200,000 |
| 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 | 347 | $68,875,000 | $198,000 | $1,165,000 | $168,000 | $900,000 |
| Black or African American | 173 | $33,845,000 | $195,000 | $1,685,000 | $151,000 | $420,000 |
| Not Provided | 164 | $31,810,000 | $193,000 | $765,000 | $171,000 | $462,000 |
| Hispanic | 95 | $19,755,000 | $207,000 | $715,000 | $132,000 | $442,000 |
| Asian | 27 | $5,975,000 | $221,000 | $615,000 | $185,000 | $379,000 |
| American Indian or Alaskan Native | 6 | $500,000 | $83,000 | $135,000 | $128,000 | $192,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $680,000 | $340,000 | $485,000 | $203,000 | $283,000 |
| 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) | 814 | $161,440,000 | $198,000 | $1,685,000 | $161,000 | $900,000 |
| 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 | 356 | $58,380,000 | $163,000 | $765,000 | $179,000 | $517,000 |
| Application Withdrawn By Applicant | 175 | $21,125,000 | $120,000 | $375,000 | $159,000 | $463,000 |
| Preapproval Approved but not Accepted | 112 | $41,980,000 | $374,000 | $1,165,000 | $158,000 | $900,000 |
| Application Denied By Financial Institution | 86 | $11,710,000 | $136,000 | $555,000 | $135,000 | $384,000 |
| Preapproval Denied by Financial Institution | 53 | $18,245,000 | $344,000 | $1,685,000 | $102,000 | $385,000 |
| Application Approved But Not Accepted | 32 | $10,000,000 | $312,000 | $575,000 | $152,000 | $260,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 675 | $131,485,000 | $194,000 | $1,165,000 | $169,000 | $900,000 |
| Debt-To-Income Ratio | 63 | $18,835,000 | $298,000 | $1,685,000 | $105,000 | $385,000 |
| Credit History | 52 | $8,120,000 | $156,000 | $555,000 | $135,000 | $384,000 |
| Other | 12 | $1,580,000 | $131,000 | $255,000 | $134,000 | $384,000 |
| Collateral | 8 | $800,000 | $100,000 | $175,000 | $177,000 | $341,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $220,000 | $110,000 | $125,000 | $92,000 | $120,000 |
| Unverifiable Information | 1 | $325,000 | $325,000 | $325,000 | $0 | $0 |
| Credit Application Incomplete | 1 | $75,000 | $75,000 | $75,000 | $147,000 | $147,000 |
| Employment History | 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 2024 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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