JUSTICE Federal Credit Union in Virginia vs the state
5.2%Denial rate-10.75 pts vs state
7.1%Decision denial rate-13.17 pts vs state
60.4%Origination rate+0.87 pts vs state
7.25%Median rate+0.63 pts vs state
0.09Rate spread (pts)-0.13 pts vs state
$185kMedian applicant income
93Loans originated
8Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 149 | 86 | 10.1% | 8.25% | #217 |
| 2024 | 119 | 75 | 8.4% | 8.50% | #258 |
| 2025 | 154 | 93 | 5.2% | 7.25% | #238 |
What JUSTICE Federal Credit Union lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most JUSTICE Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 33 | 20 | 3 | 9.1% |
| Prince William County | 27 | 14 | 3 | 11.1% |
| Loudoun County | 18 | 12 | 0 | 0.0% |
| Stafford County | 17 | 11 | 1 | 5.9% |
| Arlington County | 14 | 8 | 0 | 0.0% |
| Alexandria city | 9 | 7 | 0 | 0.0% |
| Spotsylvania County | 7 | 5 | 0 | 0.0% |
| Virginia Beach city | 5 | 3 | 0 | 0.0% |
| Chesterfield County | 4 | 3 | 0 | 0.0% |
| Frederick County | 3 | 3 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 154 applications in 2025, of which 93 were originated and 8 denied.
5.2% of all applications, or 7.1% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans JUSTICE Federal Credit Union originated in Virginia in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are JUSTICE Federal Credit Union's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology