JUSTICE Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
32nd14.6% deniedPricingmedian rate spread over APOR, weight 30%
60th0.19 ptsProcesswithdrawn + incomplete share, weight 15%
14th22.9%Closing coststotal loan costs ÷ loan amount, weight 10%
36th2.29% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 749 | 377 | 12.8% | 18.9% | 8.00% | $53M |
| 2024 | 649 | 356 | 13.3% | 18.1% | 8.50% | $58M |
| 2025 | 774 | 425 | 11.2% | 14.6% | 7.25% | $90M |
What JUSTICE Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 304 home-equity lines, 0 reverse mortgages, 5 manufactured homes, 16 investment properties.
Why JUSTICE Federal Credit Union denies applications
Primary reason reported for each of the 87 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at JUSTICE Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 147 | 54 | 33.6% |
| $100k – $150k | 191 | 99 | 9.5% |
| $150k – $250k | 302 | 201 | 9.4% |
| Over $250k | 109 | 66 | 6.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 96 | 52 | 11.5% |
| 35–44 | 153 | 77 | 16.1% |
| 45–54 | 206 | 112 | 16.7% |
| 55–64 | 210 | 121 | 15.3% |
| 65–74 | 85 | 48 | 11.7% |
Where JUSTICE Federal Credit Union lends
40 states and 254 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Virginia | 154 | 93 | 5.2% | 7.25% | #238 |
| Maryland | 122 | 71 | 9.8% | 7.50% | #211 |
| Florida | 102 | 54 | 16.7% | 7.50% | #481 |
| West Virginia | 53 | 29 | 7.6% | 7.25% | #134 |
| Georgia | 52 | 20 | 28.9% | 8.13% | #432 |
| California | 39 | 18 | 20.5% | 7.25% | #558 |
| New Jersey | 33 | 20 | 12.1% | 7.38% | #393 |
| Texas | 30 | 16 | 13.3% | 6.38% | #805 |
| District of Columbia | 27 | 17 | 7.4% | 7.50% | #105 |
| North Carolina | 25 | 15 | 8.0% | 7.25% | #489 |
| Illinois | 21 | 11 | 9.5% | 5.88% | #584 |
| New York | 21 | 10 | 19.1% | 7.50% | #408 |
| Pennsylvania | 12 | 4 | 8.3% | 6.94% | #668 |
| Alabama | 11 | 10 | 0.0% | 6.19% | #461 |
| Connecticut | 10 | 4 | 10.0% | 8.38% | #371 |
| Ohio | 9 | 6 | 0.0% | 7.50% | #626 |
| Indiana | 6 | 2 | 0.0% | 6.25% | #625 |
| Massachusetts | 6 | 3 | 16.7% | 7.50% | #496 |
Frequently asked questions
JUSTICE Federal Credit Union denied 14.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 32nd percentile of small mortgage lenders.
The most common reason JUSTICE Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 41.4% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans JUSTICE Federal Credit Union originated in 2025 was 7.25%, and its median rate spread over the average prime offer rate was 0.19 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 21% of its applications were for home purchases, 11% for refinancing (including cash-out), and 68% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.