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.

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JUSTICE Federal Credit Union

Credit Union•Chantilly, VAHQ•Direct•Reviews near you on Google

JUSTICE Federal Credit Union has 70 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Active

Near-National

Promptness

Not enough data

—/5

No quote responses measured yet

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

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+28.1 bps above market avg

3/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

70 loans · 0.28% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

57 loans · 0.31% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

13 loans · 0.10% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Near-National · 1 markets

Acceptable

Bottom 40% of lenders

2/5

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

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Acceptable

Volume70

Mix100.0%

Spread

+0.281%Above

Fees

$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

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Acceptable

Volume57

Mix81.4%

Spread

+0.314%Above

Fees

$1,873Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume13

Mix18.6%

Spread

+0.100%Above

Fees

$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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

N/A

States with Loan Originations

26Full-year 2024 · HMDA

Loans originated

All statesNone

Northeast3

NJNYPA

Midwest3

ILINOH

South16

ALARDCDEFLGALAMDMSNCOKSCTNTXVAWV

West4

AZCACOMT

Top States by Place Specialization Score

West VirginiaState

Volume 10Mix 14.29% of portfolio

47/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

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.