J. Virgil, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
J. Virgil, Inc. 2018 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | J. Virgil, Inc. G3404 Miller Road Fenton, MI 48507 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 1,714 |
| Total Mortgage Loan Application Amount | $286,990,000 |
| Average Mortgage Loan Application Amount | $166,500 |
| Highest Mortgage Loan Application Amount | $4,255,000 |
| Average Applicant Income | $71,500 |
| Highest Applicant Income | $765,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 with J. Virgil, Inc.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing J. Virgil, Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2018 breaks down J. Virgil, Inc.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how J. Virgil, Inc. serves its applicants.
Each category highlights the total number of mortgage applications processed by J. Virgil, Inc., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at J. Virgil, Inc.'s mortgage activity for 2018.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Genesee County Michigan | 627 | $ 94,955,000 | $ 151,000 | $ 67,000 |
| Lapeer County Michigan | 178 | $ 27,450,000 | $ 154,000 | $ 66,000 |
| Oakland County Michigan | 133 | $ 28,085,000 | $ 211,000 | $ 85,000 |
| Shiawassee County Michigan | 48 | $ 5,880,000 | $ 122,000 | $ 53,000 |
| Fairfield County Ohio | 45 | $ 6,795,000 | $ 151,000 | $ 66,000 |
| Palm Beach County Florida | 41 | $ 10,215,000 | $ 249,000 | $ 131,000 |
| Tuscola County Michigan | 40 | $ 4,450,000 | $ 111,000 | $ 50,000 |
| Livingston County Michigan | 39 | $ 8,155,000 | $ 209,000 | $ 78,000 |
| Wexford County Michigan | 35 | $ 3,695,000 | $ 105,000 | $ 52,000 |
| Saginaw County Michigan | 31 | $ 3,615,000 | $ 116,000 | $ 56,000 |
| Iosco County Michigan | 28 | $ 3,170,000 | $ 113,000 | $ 55,000 |
| Wayne County Michigan | 23 | $ 2,945,000 | $ 128,000 | $ 56,000 |
| Macomb County Michigan | 22 | $ 4,460,000 | $ 202,000 | $ 75,000 |
| Kent County Michigan | 21 | $ 4,185,000 | $ 199,000 | $ 81,000 |
| Missaukee County Michigan | 17 | $ 2,125,000 | $ 125,000 | $ 54,000 |
| Charleston County South Carolina | 15 | $ 3,085,000 | $ 205,000 | $ 61,000 |
| Horry County South Carolina | 15 | $ 3,025,000 | $ 201,000 | $ 93,000 |
| Denver County Colorado | 14 | $ 5,100,000 | $ 364,000 | $ 102,000 |
| Franklin County Ohio | 12 | $ 2,410,000 | $ 200,000 | $ 69,000 |
| El Paso County Colorado | 11 | $ 2,995,000 | $ 272,000 | $ 94,000 |
| Ingham County Michigan | 11 | $ 1,055,000 | $ 95,000 | $ 67,000 |
| Osceola County Michigan | 11 | $ 945,000 | $ 85,000 | $ 34,000 |
| Ottawa County Michigan | 11 | $ 2,205,000 | $ 200,000 | $ 79,000 |
| St. Clair County Michigan | 11 | $ 1,975,000 | $ 179,000 | $ 72,000 |
| Hocking County Ohio | 11 | $ 1,375,000 | $ 125,000 | $ 65,000 |
| Berkeley County South Carolina | 11 | $ 2,495,000 | $ 226,000 | $ 75,000 |
| Grand Traverse County Michigan | 9 | $ 1,645,000 | $ 182,000 | $ 81,000 |
| Licking County Ohio | 9 | $ 1,855,000 | $ 206,000 | $ 74,000 |
| Muskingum County Ohio | 9 | $ 1,085,000 | $ 120,000 | $ 73,000 |
| Kalkaska County Michigan | 8 | $ 900,000 | $ 112,000 | $ 47,000 |
| Roscommon County Michigan | 8 | $ 860,000 | $ 107,000 | $ 58,000 |
| Sanilac County Michigan | 8 | $ 850,000 | $ 106,000 | $ 47,000 |
| Dorchester County South Carolina | 8 | $ 1,550,000 | $ 193,000 | $ 59,000 |
| Arapahoe County Colorado | 7 | $ 2,955,000 | $ 422,000 | $ 114,000 |
| Jefferson County Colorado | 7 | $ 2,225,000 | $ 317,000 | $ 115,000 |
| Cheboygan County Michigan | 7 | $ 615,000 | $ 87,000 | $ 44,000 |
| Adams County Colorado | 6 | $ 1,910,000 | $ 318,000 | $ 80,000 |
| Douglas County Colorado | 6 | $ 2,130,000 | $ 355,000 | $ 79,000 |
| Hudson County New Jersey | 6 | $ 2,120,000 | $ 353,000 | $ 101,000 |
| St. Lucie County Florida | 5 | $ 1,065,000 | $ 213,000 | $ 104,000 |
| Alcona County Michigan | 5 | $ 1,205,000 | $ 241,000 | $ 47,000 |
| Midland County Michigan | 5 | $ 705,000 | $ 141,000 | $ 64,000 |
| Essex County New Jersey | 5 | $ 785,000 | $ 157,000 | $ 84,000 |
| Pueblo County Colorado | 4 | $ 800,000 | $ 200,000 | $ 45,000 |
| Emmet County Michigan | 4 | $ 960,000 | $ 240,000 | $ 95,000 |
| Mason County Michigan | 4 | $ 540,000 | $ 135,000 | $ 45,000 |
| Montmorency County Michigan | 4 | $ 500,000 | $ 125,000 | $ 85,000 |
| Washtenaw County Michigan | 4 | $ 770,000 | $ 192,000 | $ 66,000 |
| Wake County North Carolina | 4 | $ 1,110,000 | $ 277,000 | $ 92,000 |
| Perry County Ohio | 4 | $ 600,000 | $ 150,000 | $ 65,000 |
| Fremont County Colorado | 3 | $ 715,000 | $ 238,000 | $ 83,000 |
| Martin County Florida | 3 | $ 1,065,000 | $ 355,000 | $ 132,000 |
| Sarasota County Florida | 3 | $ 1,115,000 | $ 371,000 | $ 220,000 |
| Bay County Michigan | 3 | $ 365,000 | $ 121,000 | $ 55,000 |
| Clare County Michigan | 3 | $ 335,000 | $ 111,000 | $ 51,000 |
| Huron County Michigan | 3 | $ 255,000 | $ 85,000 | $ 38,000 |
| Jackson County Michigan | 3 | $ 575,000 | $ 191,000 | $ 70,000 |
| Lake County Michigan | 3 | $ 255,000 | $ 85,000 | $ 30,000 |
| St. Joseph County Michigan | 3 | $ 255,000 | $ 85,000 | $ 119,000 |
| Middlesex County New Jersey | 3 | $ 665,000 | $ 221,000 | $ 54,000 |
| Monmouth County New Jersey | 3 | $ 1,115,000 | $ 371,000 | $ 120,000 |
| Weld County Colorado | 2 | $ 740,000 | $ 370,000 | $ 78,000 |
| Arenac County Michigan | 2 | $ 290,000 | $ 145,000 | $ 91,000 |
| Charlevoix County Michigan | 2 | $ 250,000 | $ 125,000 | $ 44,000 |
| Delta County Michigan | 2 | $ 170,000 | $ 85,000 | $ 51,000 |
| Eaton County Michigan | 2 | $ 330,000 | $ 165,000 | $ 65,000 |
| Gladwin County Michigan | 2 | $ 300,000 | $ 150,000 | $ 382,000 |
| Gratiot County Michigan | 2 | $ 310,000 | $ 155,000 | $ 37,000 |
| Kalamazoo County Michigan | 2 | $ 260,000 | $ 130,000 | $ 48,000 |
| Lenawee County Michigan | 2 | $ 300,000 | $ 150,000 | $ 60,000 |
| Mecosta County Michigan | 2 | $ 200,000 | $ 100,000 | $ 24,000 |
| Otsego County Michigan | 2 | $ 260,000 | $ 130,000 | $ 33,000 |
| Passaic County New Jersey | 2 | $ 650,000 | $ 325,000 | $ 158,000 |
| Sussex County New Jersey | 2 | $ 370,000 | $ 185,000 | $ 92,000 |
| Franklin County North Carolina | 2 | $ 270,000 | $ 135,000 | $ 40,000 |
| Granville County North Carolina | 2 | $ 340,000 | $ 170,000 | $ 45,000 |
| Athens County Ohio | 2 | $ 160,000 | $ 80,000 | $ 47,000 |
| Knox County Ohio | 2 | $ 160,000 | $ 80,000 | $ 23,000 |
| Anderson County South Carolina | 2 | $ 250,000 | $ 125,000 | $ 44,000 |
| Colleton County South Carolina | 2 | $ 560,000 | $ 280,000 | $ 107,000 |
| Boulder County Colorado | 1 | $ 155,000 | $ 155,000 | $ 63,000 |
| Lincoln County Colorado | 1 | $ 185,000 | $ 185,000 | $ 53,000 |
| Park County Colorado | 1 | $ 165,000 | $ 165,000 | $ 25,000 |
| Teller County Colorado | 1 | $ 215,000 | $ 215,000 | $ 55,000 |
| Broward County Florida | 1 | $ 655,000 | $ 655,000 | $ 216,000 |
| Hernando County Florida | 1 | $ 95,000 | $ 95,000 | $ 180,000 |
| Indian River County Florida | 1 | $ 185,000 | $ 185,000 | $ 104,000 |
| Lee County Florida | 1 | $ 135,000 | $ 135,000 | $ 156,000 |
| Marion County Florida | 1 | $ 135,000 | $ 135,000 | $ 72,000 |
| Miami-Dade County Florida | 1 | $ 325,000 | $ 325,000 | $ 552,000 |
| Polk County Florida | 1 | $ 375,000 | $ 375,000 | $ 418,000 |
| Antrim County Michigan | 1 | $ 95,000 | $ 95,000 | $ 42,000 |
| Benzie County Michigan | 1 | $ 105,000 | $ 105,000 | $ 33,000 |
| Berrien County Michigan | 1 | $ 175,000 | $ 175,000 | $ 73,000 |
| Chippewa County Michigan | 1 | $ 185,000 | $ 185,000 | $ 125,000 |
| Clinton County Michigan | 1 | $ 245,000 | $ 245,000 | $ 100,000 |
| Ionia County Michigan | 1 | $ 245,000 | $ 245,000 | $ 84,000 |
| Leelanau County Michigan | 1 | $ 255,000 | $ 255,000 | $ 215,000 |
| Mackinac County Michigan | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Monroe County Michigan | 1 | $ 205,000 | $ 205,000 | $ 74,000 |
| Montcalm County Michigan | 1 | $ 175,000 | $ 175,000 | $ 55,000 |
| Presque Isle County Michigan | 1 | $ 225,000 | $ 225,000 | $ 66,000 |
| Bergen County New Jersey | 1 | $ 355,000 | $ 355,000 | $ 41,000 |
| Morris County New Jersey | 1 | $ 165,000 | $ 165,000 | $ 40,000 |
| Somerset County New Jersey | 1 | $ 325,000 | $ 325,000 | $ 101,000 |
| Union County New Jersey | 1 | $ 395,000 | $ 395,000 | $ 145,000 |
| Alamance County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| Harnett County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 77,000 |
| Iredell County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 51,000 |
| Nash County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 49,000 |
| Delaware County Ohio | 1 | $ 145,000 | $ 145,000 | $ 30,000 |
| Guernsey County Ohio | 1 | $ 95,000 | $ 95,000 | $ 83,000 |
| Meigs County Ohio | 1 | $ 85,000 | $ 85,000 | $ 43,000 |
| Pickaway County Ohio | 1 | $ 165,000 | $ 165,000 | $ 107,000 |
| Scioto County Ohio | 1 | $ 55,000 | $ 55,000 | $ 25,000 |
| Virginia Beach County Virginia | 1 | $ 355,000 | $ 355,000 | $ 107,000 |
Mortgage Loan Application Detail Totals for J. Virgil, Inc. in 2018
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,525 | $255,835,000 | $167,000 | $4,255,000 | $70,000 | $765,000 |
| Cash-out Refinancing | 110 | $16,680,000 | $151,000 | $435,000 | $79,000 | $765,000 |
| Refinancing | 78 | $14,310,000 | $183,000 | $755,000 | $82,000 | $469,000 |
| Not Applicable | 1 | $165,000 | $165,000 | $165,000 | $55,000 | $55,000 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,553 | $256,805,000 | $165,000 | $4,255,000 | $71,000 | $765,000 |
| Black or African American | 71 | $12,175,000 | $171,000 | $455,000 | $68,000 | $205,000 |
| Hispanic | 55 | $11,355,000 | $206,000 | $455,000 | $66,000 | $203,000 |
| Not Provided | 23 | $4,645,000 | $201,000 | $395,000 | $92,000 | $242,000 |
| Asian | 7 | $1,135,000 | $162,000 | $385,000 | $69,000 | $151,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $240,000 | $120,000 | $165,000 | $32,000 | $37,000 |
| Not applicable | 1 | $65,000 | $65,000 | $65,000 | $24,000 | $24,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 806 | $151,220,000 | $187,000 | $4,255,000 | $88,000 | $765,000 |
| FHA-insured (Federal Housing Administration) | 520 | $77,760,000 | $149,000 | $755,000 | $59,000 | $210,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 275 | $34,205,000 | $124,000 | $885,000 | $45,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 113 | $23,805,000 | $210,000 | $1,705,000 | $69,000 | $253,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,415 | $225,375,000 | $159,000 | $995,000 | $71,000 | $765,000 |
| Application Withdrawn By Applicant | 258 | $54,230,000 | $210,000 | $4,255,000 | $74,000 | $523,000 |
| Application Denied By Financial Institution | 41 | $7,385,000 | $180,000 | $755,000 | $71,000 | $330,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,673 | $279,605,000 | $167,000 | $4,255,000 | $71,000 | $765,000 |
| Collateral | 21 | $3,215,000 | $153,000 | $645,000 | $82,000 | $330,000 |
| Credit History | 6 | $1,780,000 | $296,000 | $755,000 | $77,000 | $269,000 |
| Debt-To-Income Ratio | 5 | $845,000 | $169,000 | $315,000 | $45,000 | $82,000 |
| Other | 4 | $550,000 | $137,000 | $195,000 | $60,000 | $92,000 |
| Employment History | 3 | $615,000 | $205,000 | $355,000 | $48,000 | $77,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $380,000 | $190,000 | $195,000 | $54,000 | $72,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into J. Virgil, Inc.'s 2018 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess J. Virgil, Inc.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Michigan, download the full spreadsheet
with aggregated HMDA statistics today.