What loan types does JUSTICE Federal Credit Union offer?

JUSTICE Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does JUSTICE Federal Credit Union offer mortgages?

JUSTICE Federal Credit Union offers mortgages in 26 states: AL, AR, AZ, CA, CO, DC, DE, FL, GA, IL, IN, LA, MD, MS, MT, NC, NJ, NY, OH, OK, PA, SC, TN, TX, VA, WV.

How competitive are JUSTICE Federal Credit Union's mortgage rates?

JUSTICE Federal Credit Union has an overall pricing score of 46.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is JUSTICE Federal Credit Union?

JUSTICE Federal Credit Union is a Credit Union headquartered in Chantilly, VA.

Unclaimed

JUSTICE Federal Credit Union

Credit Union•Chantilly, VA•Direct to Consumer

Justice Federal Credit Union has 70 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing

Sound

vs. all lenders

Pull Through

Acceptable

closing strength

Products

Acceptable

Conventional

Place

Active

Near-National

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Safe Rate's Summary

What They Do Well

Nationwide availability with consistent service

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

JUSTICE Federal Credit Union performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Sound	Industry Standard +28.1 bps above market avg
Pull Through Closing strength	Acceptable	Near industry average Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional	Acceptable	Near industry average Bottom 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Acceptable	Near industry average Bottom 40% of lenders
Refinance	Acceptable	Near industry average Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Acceptable	Near industry average Bottom 40% of lenders Near-National1 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Sound	Acceptable	70	100.0%	+0.281%Above	$1,912Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Sound	Acceptable	57	81.4%	+0.314%Above	$1,873Fees
Refinance	Acceptable	Acceptable	—	Acceptable	13	18.6%	+0.100%Above	$2,132Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

127

Volume

$22 million

Pricing & Closing

Avg Rate Spread

+0.281%

vs. market APOR

Avg Net Fees

$1,912

Origination − Credits

Pullthrough Rate

55.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$325,714

Avg Borrower Income

$159,343

Avg Property Value

$435,429

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

N/A

States with Loan Originations

ALARAZCACODCDEFLGAILINLAMDMSMTNCNJNYOHOKPASCTNTXVAWV

Top States by Place Specialization Score

WVState

Volume: 10Mix: 14.29%of portfolio

Place

Sound

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.