Justice Federal Credit Union Mortgage Rates, Fees & Info
Chantilly, VALEI: 549300AOB4S7B0DB7863
Tax ID: 53-0197022
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Mortgage Data
Review & Overview
Justice Federal Credit Union is a smaller credit union specializing in Home Purchase and Refi loans. Justice Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Washington, New York, Baltimore, Los Angeles, and Miami among others. We have data for 92 markets. (Some data included below & more in-depth data is available with an active subscription.)Justice Federal Credit Union has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Justice Federal Credit Union is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.00% | 11/22/24 |
| 30 Year Conventional Purchase | 6.79% | 11/22/24 |
| 30 Year Conventional Refi | 6.22% | 11/22/24 |
| 15 Year Conventional Purchase | 5.77% | 11/22/24 |
| 15 Year Conventional Refi | 5.64% | 11/22/24 |
| 15 Year Cash-out Refi | 5.64% | 11/22/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Justice Federal Credit Union Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
476Origination Dollar Volume (All Markets)
$79,400,000Awards
JUSTICE Federal Credit Union - 2018
JUSTICE Federal Credit Union is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 178 | $32,870,000 | $184,663 | $2,021 | 4.94% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 17 | $3,925,000 | $230,882 | $3,350 | 4.86% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 25 | $3,465,000 | $138,600 | $1,993 | 5.12% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 15 | $3,085,000 | $205,667 | $1,510 | 4.76% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 18 | $2,600,000 | $144,444 | $2,482 | 4.70% |
| Outside of Metro Areas | 17 | $1,875,000 | $110,294 | $1,820 | 4.70% |
| Clarksburg, WV (FHA|USDA|VA) | 16 | $1,630,000 | $101,875 | $1,751 | 4.74% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 10 | $1,420,000 | $142,000 | $2,118 | 4.80% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 12 | $1,360,000 | $113,333 | $980 | 4.68% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 10 | $1,350,000 | $135,000 | $2,912 | 4.31% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 9 | $1,225,000 | $136,111 | $1,582 | 4.76% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 6 | $1,210,000 | $201,667 | $2,832 | 4.81% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 5 | $965,000 | $193,000 | $1,914 | 5.30% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $2,378 | 5.38% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $2,965 | 4.63% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $3,591 | 4.91% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 7 | $795,000 | $113,571 | $1,832 | 4.04% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 5 | $795,000 | $159,000 | $1,853 | 4.90% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 5 | $785,000 | $157,000 | $2,910 | 4.40% |
| MORGANTOWN, WV (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $2,889 | 4.41% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 5 | $645,000 | $129,000 | $1,648 | 4.50% |
| RICHMOND, VA (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $2,818 | 5.06% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 5 | $555,000 | $111,000 | $1,732 | 4.78% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $2,357 | 4.13% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,536 | 4.50% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 4 | $440,000 | $110,000 | $1,438 | 5.13% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,279 | 4.00% |
| Portsmouth, OH (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,925 | 5.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $9,328 | 3.13% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $5,261 | 4.19% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $4,000 | 4.38% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $6,418 | 4.75% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,697 | 4.75% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $5,221 | 5.13% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $1,053 | 4.46% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,938 | 4.75% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,160 | 4.25% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $929 | 5.42% |
| Fairmont, WV (FHA|USDA|VA) | 5 | $325,000 | $65,000 | $1,266 | 4.83% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,619 | 4.75% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,696 | 4.25% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,145 | 4.63% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $1,910 | 3.63% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,597 | 3.88% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,773 | 5.13% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,850 | 4.63% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,368 | 4.63% |
| COLUMBUS, OH (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $1,440 | 4.79% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,214 | 3.88% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,432 | 4.75% |
| BECKLEY, WV (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,193 | 3.94% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,200 | 3.13% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,281 | 4.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,199 | 4.25% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,060 | 3.88% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,192 | 5.63% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,642 | 4.38% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 3 | $215,000 | $71,667 | $1,301 | 4.79% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,502 | 5.13% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,002 | 4.75% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $243 | 5.13% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,599 | 4.88% |
| Keene, NH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,201 | 5.25% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 4.88% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,471 | 5.00% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,005 | 4.75% |
| WHEELING, WV-OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,260 | 5.25% |
| Elkins, WV (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $813 | 5.25% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,280 | 5.13% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $1,344 | 5.63% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,998 | 3.13% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,350 | 3.13% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,546 | 5.50% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $828 | 5.25% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,311 | 5.25% |
| OCALA, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $991 | 4.25% |
| Brookhaven, MS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,611 | 4.38% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,871 | 3.88% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $432 | 4.25% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $1,811 | 4.50% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $144 | 6.00% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,145 | 5.50% |
| Jesup, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $566 | 5.25% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,055 | 5.25% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,556 | 5.50% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $285 | 5.50% |
| Shelby, NC (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $835 | 5.00% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $208 | 3.75% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $1,501 | 4.50% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $3,176 | 5.00% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $830 | 4.50% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $855 | 3.75% |
Similar Lenders
We use machine learning to identify the top lenders compared against JUSTICE Federal Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 476 | $79,400,000 | $166,807 | $2,154 | 4.81% |
For 2018, Justice Federal Credit Union's most frequently originated type of loan was Conventional, with 476 originations.
Loan Reason
For 2018, Justice Federal Credit Union's most frequently cited loan purpose was Home Purchase, with 180 originations. The 2nd most popular reason was Refi, with 121 originations.
Loan Duration/Length
For 2018, Justice Federal Credit Union's most frequently cited loan duration was 30 Year, with 160 originations. The 2nd most popular length was 20 Year, with 118 originations.
Origination Fees/Closing Costs
Justice Federal Credit Union's average total fees were $3,901, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 210 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5-6% | 193 | $25,495,000 | $132,098 |
| 4-5% | 191 | $38,945,000 | $203,901 |
| 3-4% | 89 | $14,405,000 | $161,854 |
| 6-7% | 2 | $510,000 | $255,000 |
| 7-8% | 1 | $45,000 | $45,000 |
During 2018, Justice Federal Credit Union's average interest rate for loans was 4.61%, while their most frequently originated rate bucket for loans was 5-6%, with 193 originations.
Loan Sizing
2018 saw Justice Federal Credit Union place emphasis on $100,000 or less loans with 214 originations, totaling $12,220,000 in origination value.
Applicant Income
Justice Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 161 originations. The second most popular income band? $150k-250k, with 126 originations.
Applicant Debt to Income Ratio
Justice Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 120 originations. The next most common DTI ratio? 30-36%, with 103 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.35%
Justice Federal Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination39.29%
Justice Federal Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 0.0 | 2 | $310,000 | $155,000 |
| NA | 474 | $79,090,000 | $166,857 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 1 | $165,000 | $165,000 |
| Single Family (1-4 Units):Site-Built | 475 | $79,235,000 | $166,811 |