Justice Federal Credit Union Mortgage Rates, Fees & Info

Chantilly, VA

LEI: 549300AOB4S7B0DB7863

Tax ID: 53-0197022

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Justice Federal Credit Union is a smaller credit union specializing in Refi and Home Purchase loans. Justice Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Washington, Miami, New York, Baltimore, and Los Angeles among others. We have data for 113 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 an average 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.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
Home Equity Line of Credit (HELOC)	6.00%	11/21/24
30 Year Conventional Purchase	6.79%	11/21/24
30 Year Conventional Refi	6.22%	11/21/24
15 Year Conventional Purchase	5.77%	11/21/24
15 Year Conventional Refi	5.64%	11/21/24
15 Year Cash-out Refi	5.64%	11/21/24
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

Purchase Price:

Loan Amount:

Deposit Amount:

% Deposit:

Interest Rate:

Loan Type:

Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Justice Federal Credit Union. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.

Originations

643

Origination Dollar Volume (All Markets)

$134,595,000

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)	272	$62,570,000	$230,037	$4,147	3.80%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	38	$7,850,000	$206,579	$4,590	3.75%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	22	$5,730,000	$260,455	$5,144	3.52%
Outside of Metro Areas	25	$4,155,000	$166,200	$4,401	3.40%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	17	$3,905,000	$229,706	$4,679	4.18%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	10	$3,140,000	$314,000	$5,469	4.16%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	13	$2,535,000	$195,000	$3,903	3.98%
Clarksburg, WV (FHA\|USDA\|VA)	24	$2,230,000	$92,917	$2,148	4.26%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	10	$1,770,000	$177,000	$2,139	4.06%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	8	$1,670,000	$208,750	$4,222	4.17%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	11	$1,545,000	$140,455	$4,546	3.91%
MORGANTOWN, WV (FHA\|USDA\|VA)	5	$1,455,000	$291,000	$6,314	3.98%
JACKSONVILLE, FL (FHA\|USDA\|VA)	7	$1,315,000	$187,857	$5,954	3.45%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA\|USDA\|VA)	5	$1,305,000	$261,000	$4,380	3.20%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	8	$1,250,000	$156,250	$5,360	3.47%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	5	$1,155,000	$231,000	$3,308	3.83%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	6	$1,140,000	$190,000	$4,069	3.19%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	6	$1,130,000	$188,333	$3,053	3.63%
RICHMOND, VA (FHA\|USDA\|VA)	6	$1,020,000	$170,000	$4,173	3.48%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	6	$980,000	$163,333	$1,978	4.58%
HUNTSVILLE, AL (FHA\|USDA\|VA)	4	$970,000	$242,500	$3,992	2.66%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	1	$955,000	$955,000	$7,845	2.75%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	7	$905,000	$129,286	$5,737	3.57%
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	3	$755,000	$251,667	$5,660	3.42%
ASHEVILLE, NC (FHA\|USDA\|VA)	3	$735,000	$245,000	$5,735	3.29%
FRESNO, CA (FHA\|USDA\|VA)	2	$730,000	$365,000	$3,353	3.06%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	2	$710,000	$355,000	$4,713	3.50%
THE VILLAGES, FL (FHA\|USDA\|VA)	2	$670,000	$335,000	$7,203	2.94%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	2	$660,000	$330,000	$4,453	2.69%
PITTSBURGH, PA (FHA\|USDA\|VA)	4	$640,000	$160,000	$5,249	4.00%
OCEAN CITY, NJ (FHA\|USDA\|VA)	2	$630,000	$315,000	$2,259	2.63%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	2	$590,000	$295,000	$5,523	3.50%
BIRMINGHAM-HOOVER, AL (FHA\|USDA\|VA)	4	$580,000	$145,000	$2,150	2.78%
SANTA CRUZ-WATSONVILLE, CA (FHA\|USDA\|VA)	2	$560,000	$280,000	$5,612	3.25%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	2	$560,000	$280,000	$4,653	3.13%
TUCSON, AZ (FHA\|USDA\|VA)	3	$555,000	$185,000	$3,472	3.08%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	3	$555,000	$185,000	$3,761	3.29%
WORCESTER, MA-CT (FHA\|USDA\|VA)	2	$500,000	$250,000	$5,724	3.31%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	2	$490,000	$245,000	$7,028	3.13%
BOULDER, CO (FHA\|USDA\|VA)	1	$475,000	$475,000	$3,084	2.88%
BEAUMONT-PORT ARTHUR, TX (FHA\|USDA\|VA)	2	$440,000	$220,000	$6,082	3.06%
COLUMBIA, SC (FHA\|USDA\|VA)	2	$430,000	$215,000	$4,463	3.25%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA\|USDA\|VA)	2	$390,000	$195,000	$2,892	4.31%
GREELEY, CO (FHA\|USDA\|VA)	1	$365,000	$365,000	$9,208	3.00%
DURHAM-CHAPEL HILL, NC (FHA\|USDA\|VA)	2	$360,000	$180,000	$4,322	3.31%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	1	$355,000	$355,000	$5,804	3.63%
Boone, NC (FHA\|USDA\|VA)	1	$355,000	$355,000	$9,481	3.63%
Cañon City, CO (FHA\|USDA\|VA)	1	$335,000	$335,000	$5,899	3.38%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	1	$335,000	$335,000	$7,007	3.25%
Fairmont, WV (FHA\|USDA\|VA)	2	$320,000	$160,000	$3,707	3.19%
BUFFALO-CHEEKTOWAGA, NY (FHA\|USDA\|VA)	1	$315,000	$315,000	$7,680	3.13%
ALBUQUERQUE, NM (FHA\|USDA\|VA)	1	$305,000	$305,000	$6,834	3.38%
MILWAUKEE-WAUKESHA, WI (FHA\|USDA\|VA)	1	$305,000	$305,000	$5,114	3.25%
LAKELAND-WINTER HAVEN, FL (FHA\|USDA\|VA)	1	$305,000	$305,000	$3,764	3.13%
JACKSON, MS (FHA\|USDA\|VA)	2	$300,000	$150,000	$3,432	3.31%
WINCHESTER, VA-WV (FHA\|USDA\|VA)	2	$300,000	$150,000	$2,856	4.56%
CHICO, CA (FHA\|USDA\|VA)	1	$295,000	$295,000	$8,165	2.75%
Key West, FL (FHA\|USDA\|VA)	1	$275,000	$275,000	$2,565	2.88%
CHAMBERSBURG-WAYNESBORO, PA (FHA\|USDA\|VA)	1	$275,000	$275,000	$5,342	2.75%
Marietta, OH (FHA\|USDA\|VA)	1	$265,000	$265,000	$5,176	2.75%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	1	$255,000	$255,000	$4,706	3.25%
REDDING, CA (FHA\|USDA\|VA)	1	$255,000	$255,000	$5,870	3.38%
Hailey, ID (FHA\|USDA\|VA)	1	$255,000	$255,000	$2,875	2.63%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	1	$255,000	$255,000	$4,702	3.38%
SAVANNAH, GA (FHA\|USDA\|VA)	2	$250,000	$125,000	$2,467	4.38%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA\|USDA\|VA)	2	$250,000	$125,000	$1,704	3.25%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	2	$250,000	$125,000	$2,382	2.81%
Sebastian-Vero Beach, FL (FHA\|USDA\|VA)	1	$235,000	$235,000	$5,513	3.38%
NEW HAVEN-MILFORD, CT (FHA\|USDA\|VA)	1	$235,000	$235,000	$4,586	3.00%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	1	$215,000	$215,000	$3,842	3.13%
HOMOSASSA SPRINGS, FL (FHA\|USDA\|VA)	1	$205,000	$205,000	$4,505	3.00%
COLLEGE STATION-BRYAN, TX (FHA\|USDA\|VA)	1	$205,000	$205,000	$4,800	3.13%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	1	$205,000	$205,000	$5,337	3.13%
Detroit-Warren-Dearborn, MI (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,808	3.25%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,969	3.38%
CHATTANOOGA, TN-GA (FHA\|USDA\|VA)	3	$185,000	$61,667	$2,576	3.63%
SPRINGFIELD, IL (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,350	3.00%
ROCHESTER, MN (FHA\|USDA\|VA)	1	$185,000	$185,000	$4,666	2.63%
RAPID CITY, SD (FHA\|USDA\|VA)	1	$165,000	$165,000	$5,445	2.88%
AKRON, OH (FHA\|USDA\|VA)	1	$155,000	$155,000	$5,057	3.13%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA\|USDA\|VA)	1	$155,000	$155,000	$3,126	2.75%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA\|USDA\|VA)	1	$145,000	$145,000	$3,475	3.25%
LEXINGTON-FAYETTE, KY (FHA\|USDA\|VA)	1	$145,000	$145,000	$3,342	3.00%
Roanoke Rapids, NC (FHA\|USDA\|VA)	1	$135,000	$135,000	$4,351	3.00%
KALAMAZOO-PORTAGE, MI (FHA\|USDA\|VA)	1	$135,000	$135,000	$2,957	2.88%
COLUMBUS, OH (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	5.00%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	4.00%
Bennettsville, SC (FHA\|USDA\|VA)	1	$125,000	$125,000	$3,682	2.88%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	1	$115,000	$115,000	$3,558	2.63%
Calhoun, GA (FHA\|USDA\|VA)	2	$110,000	$55,000	$140	5.38%
DuBois, PA (FHA\|USDA\|VA)	1	$105,000	$105,000	$3,294	4.63%
Dayton, TN (FHA\|USDA\|VA)	1	$105,000	$105,000	$2,832	3.00%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA\|USDA\|VA)	1	$105,000	$105,000	$3,726	3.63%
Ogdensburg-Massena, NY (FHA\|USDA\|VA)	1	$105,000	$105,000	$3,785	3.00%
WHEELING, WV-OH (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	5.00%
Henderson, NC (FHA\|USDA\|VA)	1	$85,000	$85,000	$179	5.25%
COLUMBUS, GA-AL (FHA\|USDA\|VA)	1	$85,000	$85,000	$3,074	3.00%
MCALLEN-EDINBURG-MISSION, TX (FHA\|USDA\|VA)	1	$65,000	$65,000	$2,132	2.63%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	4.00%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	4.00%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	4.00%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA\|USDA\|VA)	1	$55,000	$55,000	$2,474	2.63%
ROANOKE, VA (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	4.00%
BLOOMINGTON, IL (FHA\|USDA\|VA)	1	$55,000	$55,000	$2,705	2.88%
Pottsville, PA (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	4.00%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	4.00%
MACON-BIBB COUNTY, GA (FHA\|USDA\|VA)	1	$25,000	$25,000	$140	4.25%
PARKERSBURG-VIENNA, WV (FHA\|USDA\|VA)	1	$15,000	$15,000	$248	4.25%
ALTOONA, PA (FHA\|USDA\|VA)	1	$15,000	$15,000	$192	4.25%
OCALA, FL (FHA\|USDA\|VA)	1	$15,000	$15,000	$0	4.00%
Torrington, CT (FHA\|USDA\|VA)	1	$15,000	$15,000	$0	4.00%
WACO, TX (FHA\|USDA\|VA)	1	$15,000	$15,000	$275	4.25%
Eureka-Arcata, CA (FHA\|USDA\|VA)	1	$15,000	$15,000	$175	4.75%

Justice Federal Credit Union's top markets include Washington, Miami, New York, Baltimore, and Los Angeles among others.

Their top states include:

Virginia (FHA|USDA|VA)

Maryland (FHA|USDA|VA)

Florida (FHA|USDA|VA)

District of Columbia (FHA|USDA|VA)

California (FHA|USDA|VA)

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.

The Glen Burnie Mutual Savings Bank
Similarity Rank: 271

DADE COUNTY FEDERAL CREDIT UNION
Similarity Rank: 304

We Florida Financial
Similarity Rank: 638

POWER FINANCIAL
Similarity Rank: 870

Poli Mortgage Group, Inc.
Similarity Rank: 1100

APL
Similarity Rank: 1122

FIRST FINANCIAL OF MARYLAND
Similarity Rank: 1296

ABERDEEN PROVING GROUND FEDERAL CREDIT UNION
Similarity Rank: 1465

POINT BREEZE
Similarity Rank: 1506

IDB Global Federal Credit Union
Similarity Rank: 1782

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	483	$119,335,000	$247,070	$4,161	3.59%
HELOC	160	$15,260,000	$95,375	n/a	4.12%

For 2020, Justice Federal Credit Union's most frequently originated type of loan was Conventional, with 483 originations. Their 2nd most popular type was HELOC, with 160 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Refi	259	$70,825,000	$273,456	$4,798	3.12%
Home Improvement	168	$12,800,000	$76,190	$470	4.41%
Home Purchase	134	$43,090,000	$321,567	$5,782	3.44%
Other	42	$4,210,000	$100,238	$630	4.67%
Cash Out Refi	40	$3,670,000	$91,750	$997	4.61%

For 2020, Justice Federal Credit Union's most frequently cited loan purpose was Refi, with 259 originations. The 2nd most popular reason was Home Improvement, with 168 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	304	$85,820,000	$282,303	$5,604	3.55%
20 Year	177	$23,485,000	$132,684	$2,945	4.08%
15 Year	85	$18,445,000	$217,000	$3,781	3.29%
10 Year	44	$5,450,000	$123,864	$2,209	3.72%
Other	18	$810,000	$45,000	$450	4.42%
5 Year	15	$585,000	$39,000	$487	4.48%

For 2020, Justice Federal Credit Union's most frequently cited loan duration was 30 Year, with 304 originations. The 2nd most popular length was 20 Year, with 177 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	193	$31,935,000	$165,466
$2k-3k	84	$21,430,000	$255,119
$3k-4k	68	$20,880,000	$307,059
$1k-2k	60	$10,560,000	$176,000
$5k+	47	$22,545,000	$479,681
$4k-5k	31	$11,985,000	$386,613

Justice Federal Credit Union's average total fees were $5,604, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 193 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	290	$60,120,000	$207,310
2.5-3%	184	$52,290,000	$284,185
4-5%	103	$13,995,000	$135,874
5-6%	51	$3,735,000	$73,235
<2.5%	15	$4,455,000	$297,000

During 2020, Justice Federal Credit Union's average interest rate for loans was 3.55%, while their most frequently originated rate bucket for loans was 3-4%, with 290 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	210	$58,970,000	$280,810	$5,106	3.27%
$100,000 or less	208	$10,920,000	$52,500	$791	4.46%
$100k-200k	146	$21,390,000	$146,507	$3,576	3.52%
$400k-600k	59	$28,575,000	$484,322	$6,689	3.33%
$600k-1MM	20	$14,740,000	$737,000	$8,661	3.26%

2020 saw Justice Federal Credit Union place emphasis on $200k-400k loans with 210 originations, totaling $58,970,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	190	$37,300,000	$196,316	$4,364	3.69%
$150k-250k	190	$45,210,000	$237,947	$4,247	3.78%
$75k-100k	110	$18,120,000	$164,727	$3,627	3.71%
$250k+	77	$23,845,000	$309,675	$5,478	3.59%
$50k-75k	54	$8,050,000	$149,074	$3,539	3.78%
$50k or less	21	$1,975,000	$94,048	$2,539	3.78%

Justice Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 190 originations. The second most popular income band? $150k-250k, with 190 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	182	$38,560,000	$211,868	$4,505	3.52%
30-36%	130	$29,150,000	$224,231	$4,369	3.73%
<20%	92	$18,240,000	$198,261	$3,485	3.46%
43%	25	$6,335,000	$253,400	$4,682	3.65%
37%	22	$5,050,000	$229,545	$5,164	3.54%
39%	20	$3,770,000	$188,500	$3,847	3.90%
44%	19	$4,185,000	$220,263	$3,932	3.73%
38%	19	$4,425,000	$232,895	$5,212	3.85%
48%	19	$3,205,000	$168,684	$2,739	4.19%
40%	18	$4,110,000	$228,333	$3,675	3.90%
36%	16	$3,660,000	$228,750	$4,870	3.70%
47%	16	$2,080,000	$130,000	$2,006	4.08%
42%	15	$3,195,000	$213,000	$3,822	3.93%
45%	14	$2,750,000	$196,429	$3,701	4.00%
46%	12	$2,180,000	$181,667	$4,253	4.40%
41%	10	$1,450,000	$145,000	$5,002	4.13%
50-60%	9	$985,000	$109,444	$1,282	5.11%
49%	5	$1,265,000	$253,000	$3,661	5.03%

Justice Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 182 originations. The next most common DTI ratio? 30-36%, with 130 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	404	$78,010,000	$193,094	$4,035	3.72%
Not provided	100	$26,980,000	$269,800	$4,861	3.45%
Black	104	$19,630,000	$188,750	$3,916	3.99%
Asian	22	$5,840,000	$265,455	$4,775	3.85%
Asian Indian	3	$1,465,000	$488,333	$2,555	2.92%
Other Asian	2	$660,000	$330,000	$3,243	3.06%
Chinese	1	$565,000	$565,000	$3,044	3.63%
American Indian	2	$520,000	$260,000	$5,029	3.50%
Native Hawaiian or Islander	3	$385,000	$128,333	$2,635	3.25%
Korean	1	$365,000	$365,000	$5,593	2.75%
	1	$175,000	$175,000	$3,800	2.75%

Approval Rates

Total approvals of all applications
95.26%

Justice Federal Credit Union has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
38.88%

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	1	$215,000	$215,000
1033.0	1	$75,000	$75,000
1077.33	2	$510,000	$255,000
1084.2	1	$175,000	$175,000
1090.44	1	$95,000	$95,000
1107.33	1	$255,000	$255,000
1120.0	1	$15,000	$15,000
1136.1	1	$125,000	$125,000
1178.0	1	$255,000	$255,000
1209.0	1	$35,000	$35,000
1212.5	1	$65,000	$65,000
1219.0	1	$75,000	$75,000
1249.0	1	$85,000	$85,000
1253.0	1	$85,000	$85,000
1300.5	1	$55,000	$55,000
1301.5	1	$55,000	$55,000
1322.0	1	$55,000	$55,000
1344.5	1	$55,000	$55,000
1361.25	1	$15,000	$15,000
1387.0	1	$85,000	$85,000
1397.0	1	$25,000	$25,000
1407.0	1	$75,000	$75,000
1411.35	1	$55,000	$55,000
1454.0	1	$45,000	$45,000
1462.0	1	$125,000	$125,000
1500.46	1	$105,000	$105,000
1518.45	1	$65,000	$65,000
1543.0	1	$15,000	$15,000
1563.86	1	$65,000	$65,000
1650.06	1	$65,000	$65,000
168.0	1	$15,000	$15,000
169.0	1	$35,000	$35,000
1722.5	1	$25,000	$25,000
1756.0	1	$55,000	$55,000
179.0	1	$25,000	$25,000
212.0	1	$105,000	$105,000
224.0	3	$195,000	$65,000
242.0	3	$165,000	$55,000
243.0	2	$130,000	$65,000
245.0	1	$55,000	$55,000
2490.0	1	$155,000	$155,000
2510.0	1	$45,000	$45,000
2518.25	1	$155,000	$155,000
255.0	1	$105,000	$105,000
2599.38	1	$155,000	$155,000
261.5	1	$15,000	$15,000
263.0	1	$135,000	$135,000
267.0	1	$45,000	$45,000
271.75	1	$25,000	$25,000
280.33	1	$35,000	$35,000
281.75	1	$45,000	$45,000
283.0	1	$55,000	$55,000
285.0	1	$15,000	$15,000
291.5	2	$100,000	$50,000
299.0	1	$45,000	$45,000
301.67	1	$25,000	$25,000
302.33	1	$25,000	$25,000
311.5	4	$700,000	$175,000
314.33	2	$50,000	$25,000
318.67	1	$45,000	$45,000
319.0	1	$35,000	$35,000
323.67	1	$55,000	$55,000
331.0	1	$15,000	$15,000
334.0	1	$15,000	$15,000
335.0	1	$35,000	$35,000
336.0	1	$255,000	$255,000
3510.0	1	$255,000	$255,000
351.67	1	$35,000	$35,000
353.5	4	$260,000	$65,000
354.0	1	$165,000	$165,000
365.5	2	$220,000	$110,000
370.33	1	$45,000	$45,000
371.0	1	$45,000	$45,000
373.0	1	$35,000	$35,000
373.5	2	$230,000	$115,000
377.67	1	$65,000	$65,000
379.75	1	$55,000	$55,000
380.0	2	$120,000	$60,000
382.33	1	$45,000	$45,000
385.5	3	$675,000	$225,000
385.67	1	$55,000	$55,000
387.0	1	$255,000	$255,000
389.67	1	$55,000	$55,000
395.0	1	$55,000	$55,000
398.0	1	$35,000	$35,000
407.5	1	$35,000	$35,000
411.0	1	$155,000	$155,000
411.67	1	$55,000	$55,000
415.67	1	$55,000	$55,000
423.0	1	$55,000	$55,000
431.0	1	$55,000	$55,000
452.0	1	$55,000	$55,000
456.33	1	$75,000	$75,000
465.5	1	$75,000	$75,000
468.33	1	$75,000	$75,000
469.0	2	$130,000	$65,000
469.5	1	$55,000	$55,000
473.0	2	$150,000	$75,000
4784.0	1	$255,000	$255,000
481.0	1	$75,000	$75,000
486.67	1	$95,000	$95,000
489.33	1	$105,000	$105,000
515.67	1	$85,000	$85,000
530.0	1	$85,000	$85,000
531.05	1	$85,000	$85,000
535.0	1	$95,000	$95,000
552.33	1	$105,000	$105,000
553.0	1	$105,000	$105,000
564.33	1	$105,000	$105,000
572.0	1	$135,000	$135,000
582.33	1	$105,000	$105,000
586.0	1	$135,000	$135,000
592.6	1	$95,000	$95,000
605.5	1	$115,000	$115,000
615.0	1	$105,000	$105,000
617.0	1	$105,000	$105,000
646.67	1	$115,000	$115,000
679.5	1	$115,000	$115,000
692.75	1	$45,000	$45,000
704.0	1	$125,000	$125,000
709.0	1	$155,000	$155,000
720.0	1	$155,000	$155,000
758.0	1	$155,000	$155,000
760.0	1	$155,000	$155,000
766.5	1	$55,000	$55,000
768.4	1	$65,000	$65,000
774.0	1	$155,000	$155,000
786.5	2	$390,000	$195,000
802.67	1	$55,000	$55,000
854.0	1	$125,000	$125,000
861.0	1	$255,000	$255,000
870.0	1	$255,000	$255,000
906.67	1	$215,000	$215,000
910.67	1	$205,000	$205,000
915.33	1	$225,000	$225,000
922.67	1	$55,000	$55,000
925.33	1	$195,000	$195,000
957.9	1	$55,000	$55,000
NA	483	$119,335,000	$247,070

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Single Family (1-4 Units):Manufactured	1	$195,000	$195,000
Single Family (1-4 Units):Site-Built	642	$134,400,000	$209,346

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	99	$14,765,000	$149,141	$2,323	4.04%
40-60%	78	$18,100,000	$232,051	$4,494	3.14%
60-80%	156	$48,070,000	$308,141	$5,139	3.04%
80-100%	126	$42,020,000	$333,492	$5,791	3.52%
Under 20%	184	$11,640,000	$63,261	$610	4.50%