A wide reach
Its loans reached 87 metros and 169 counties. Virginia is its main state, and Washington-Arlington-Alexandria, DC-VA-MD-WV, its largest market. The spread may reflect members who live in many places.
Applications / Mortgage Analytics / Lenders / Virginia / Justice Federal Credit Union
Justice Federal Credit Union
Chantilly, VA · Credit union · NCUA · $1.1 billion assets · 425 loans in 2025
Justice Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
425
loans originated, 2025
774
applications, 2025
33
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Justice Federal Credit Union, a Virginia lender, made 425 loans in 2025 across 33 states, a wide reach for a credit union of its size.
Home improvement first
Home improvement took 41.4% of its lending and other purposes 24.5%. Purchases were 22.6% and refinances 11.5%. Every loan was conventional. Its typical loan, $155,000, was larger than at about four in five similar lenders (credit unions making between half and twice as many loans), whose typical loan was $105,000.
More loans in minority neighborhoods
Majority-minority neighborhoods took 37.6% of its loans, against 11.1% at similar lenders, more than at about four in five of them. Its largest markets are big metro areas, which is one possible reason.
Growth after a merger
Its loans rose 19% to 425, faster than the 7% at similar lenders and the 10% for the whole market. That is still below the 643 it made in 2020. It merged with United Police Federal Credit Union in 2024, which may have added to the rise.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
425 loans in 2025, against a peak of 643 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Justice Federal Credit Union took 774 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
41.4% of its 2025 loans were home improvement loans; all were conventional loans.
Home improvement 41.4% · Other 24.5% · Purchase 22.6% · Refinance 11.5%
Conventional 100.0% · of 425 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
33 states, 87 metros, 169 counties
| State | Loans | Share |
|---|---|---|
| Virginia | 93 | 21.9% |
| Maryland | 71 | 16.7% |
| Florida | 54 | 12.7% |
| West Virginia | 29 | 6.8% |
| Georgia | 20 | 4.7% |
| New Jersey | 20 | 4.7% |
| California | 18 | 4.2% |
| District of Columbia | 17 | 4.0% |
| Texas | 16 | 3.8% |
| North Carolina | 15 | 3.5% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Arlington-Alexandria-Reston | 80 |
| Washington | 54 |
| Baltimore-Columbia-Towson | 19 |
| Fort Lauderdale-Pompano Beach-Sunrise | 17 |
| New York-Jersey City-White Plains | 13 |
| Frederick-Gaithersburg-Bethesda | 12 |
| Miami-Miami Beach-Kendall | 12 |
| Atlanta-Sandy Springs-Roswell | 9 |
| Huntsville | 8 |
| Houston-Pasadena-The Woodlands | 6 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300AOB4S7B0DB7863 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 897479 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5151 | 1990–2017 |
Established 1 January 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Justice Federal Credit Union's data.
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