J. Virgil, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
J. Virgil, Inc. 2019 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 | 2,884 |
| Total Mortgage Loan Application Amount | $552,710,000 |
| Average Mortgage Loan Application Amount | $204,200 |
| Highest Mortgage Loan Application Amount | $1,585,000 |
| Average Applicant Income | $84,400 |
| Highest Applicant Income | $855,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 749 | $ 112,205,000 | $ 149,000 | $ 67,000 |
| Lapeer County Michigan | 220 | $ 34,660,000 | $ 157,000 | $ 69,000 |
| Oakland County Michigan | 161 | $ 33,185,000 | $ 206,000 | $ 82,000 |
| Fairfield County Ohio | 112 | $ 17,960,000 | $ 160,000 | $ 61,000 |
| Palm Beach County Florida | 71 | $ 19,185,000 | $ 270,000 | $ 115,000 |
| Livingston County Michigan | 59 | $ 13,905,000 | $ 235,000 | $ 88,000 |
| Shiawassee County Michigan | 58 | $ 6,940,000 | $ 119,000 | $ 48,000 |
| Tuscola County Michigan | 54 | $ 6,370,000 | $ 117,000 | $ 52,000 |
| Salt Lake County Utah | 52 | $ 16,480,000 | $ 316,000 | $ 94,000 |
| Wexford County Michigan | 47 | $ 5,925,000 | $ 126,000 | $ 50,000 |
| Kent County Michigan | 44 | $ 8,410,000 | $ 191,000 | $ 95,000 |
| Charleston County South Carolina | 44 | $ 12,160,000 | $ 276,000 | $ 88,000 |
| Weber County Utah | 44 | $ 11,250,000 | $ 255,000 | $ 63,000 |
| Horry County South Carolina | 43 | $ 7,685,000 | $ 178,000 | $ 86,000 |
| Iosco County Michigan | 39 | $ 3,765,000 | $ 96,000 | $ 56,000 |
| Saginaw County Michigan | 36 | $ 4,820,000 | $ 133,000 | $ 60,000 |
| Davis County Utah | 35 | $ 11,155,000 | $ 318,000 | $ 93,000 |
| Adams County Colorado | 31 | $ 9,045,000 | $ 291,000 | $ 78,000 |
| Macomb County Michigan | 31 | $ 6,135,000 | $ 197,000 | $ 100,000 |
| Franklin County Ohio | 31 | $ 5,635,000 | $ 181,000 | $ 78,000 |
| Hudson County New Jersey | 30 | $ 10,990,000 | $ 366,000 | $ 142,000 |
| Jefferson County Colorado | 29 | $ 9,935,000 | $ 342,000 | $ 107,000 |
| Denver County Colorado | 28 | $ 9,540,000 | $ 340,000 | $ 102,000 |
| Arapahoe County Colorado | 27 | $ 7,835,000 | $ 290,000 | $ 108,000 |
| Douglas County Colorado | 25 | $ 9,735,000 | $ 389,000 | $ 129,000 |
| Hocking County Ohio | 24 | $ 3,630,000 | $ 151,000 | $ 79,000 |
| Missaukee County Michigan | 22 | $ 2,450,000 | $ 111,000 | $ 48,000 |
| El Paso County Colorado | 21 | $ 6,955,000 | $ 331,000 | $ 104,000 |
| Ingham County Michigan | 21 | $ 2,865,000 | $ 136,000 | $ 59,000 |
| St. Clair County Michigan | 20 | $ 3,410,000 | $ 170,000 | $ 77,000 |
| Licking County Ohio | 20 | $ 3,490,000 | $ 174,000 | $ 71,000 |
| Sanilac County Michigan | 19 | $ 2,205,000 | $ 116,000 | $ 67,000 |
| Berkeley County South Carolina | 19 | $ 3,725,000 | $ 196,000 | $ 53,000 |
| Osceola County Michigan | 18 | $ 2,450,000 | $ 136,000 | $ 63,000 |
| Wayne County Michigan | 18 | $ 2,940,000 | $ 163,000 | $ 84,000 |
| Martin County Florida | 16 | $ 5,590,000 | $ 349,000 | $ 140,000 |
| Alcona County Michigan | 16 | $ 1,480,000 | $ 92,000 | $ 41,000 |
| Grand Traverse County Michigan | 16 | $ 2,970,000 | $ 185,000 | $ 72,000 |
| Essex County New Jersey | 16 | $ 4,030,000 | $ 251,000 | $ 89,000 |
| Dorchester County South Carolina | 16 | $ 3,700,000 | $ 231,000 | $ 63,000 |
| Ottawa County Michigan | 14 | $ 3,040,000 | $ 217,000 | $ 90,000 |
| Muskingum County Ohio | 14 | $ 2,050,000 | $ 146,000 | $ 61,000 |
| Lexington County South Carolina | 13 | $ 1,965,000 | $ 151,000 | $ 61,000 |
| Richland County South Carolina | 13 | $ 2,445,000 | $ 188,000 | $ 83,000 |
| Collin County Texas | 13 | $ 4,625,000 | $ 355,000 | $ 122,000 |
| Virginia Beach County Virginia | 13 | $ 3,605,000 | $ 277,000 | $ 82,000 |
| Somerset County New Jersey | 12 | $ 4,370,000 | $ 364,000 | $ 148,000 |
| Tarrant County Texas | 12 | $ 3,820,000 | $ 318,000 | $ 122,000 |
| Audubon County Iowa | 11 | $ 1,885,000 | $ 171,000 | $ 93,000 |
| Denton County Texas | 11 | $ 3,525,000 | $ 320,000 | $ 208,000 |
| Polk County Iowa | 9 | $ 1,675,000 | $ 186,000 | $ 106,000 |
| Passaic County New Jersey | 9 | $ 2,675,000 | $ 297,000 | $ 72,000 |
| Perry County Ohio | 9 | $ 1,395,000 | $ 155,000 | $ 70,000 |
| Wake County North Carolina | 8 | $ 2,720,000 | $ 340,000 | $ 101,000 |
| Otero County Colorado | 7 | $ 925,000 | $ 132,000 | $ 57,000 |
| St. Lucie County Florida | 7 | $ 975,000 | $ 139,000 | $ 77,000 |
| Weld County Colorado | 6 | $ 2,250,000 | $ 375,000 | $ 96,000 |
| Cheboygan County Michigan | 6 | $ 790,000 | $ 131,000 | $ 85,000 |
| Clinton County Michigan | 6 | $ 910,000 | $ 151,000 | $ 33,000 |
| Mason County Michigan | 6 | $ 760,000 | $ 126,000 | $ 48,000 |
| Otsego County Michigan | 6 | $ 880,000 | $ 146,000 | $ 71,000 |
| Washtenaw County Michigan | 6 | $ 1,170,000 | $ 195,000 | $ 85,000 |
| Union County New Jersey | 6 | $ 1,770,000 | $ 295,000 | $ 130,000 |
| Bexar County Texas | 6 | $ 970,000 | $ 161,000 | $ 46,000 |
| Pueblo County Colorado | 5 | $ 905,000 | $ 181,000 | $ 70,000 |
| Clare County Michigan | 5 | $ 375,000 | $ 75,000 | $ 54,000 |
| Eaton County Michigan | 5 | $ 905,000 | $ 181,000 | $ 59,000 |
| Kalkaska County Michigan | 5 | $ 535,000 | $ 107,000 | $ 75,000 |
| Ogemaw County Michigan | 5 | $ 585,000 | $ 117,000 | $ 145,000 |
| Roscommon County Michigan | 5 | $ 535,000 | $ 107,000 | $ 90,000 |
| Bergen County New Jersey | 5 | $ 1,505,000 | $ 301,000 | $ 153,000 |
| Mercer County New Jersey | 5 | $ 785,000 | $ 157,000 | $ 48,000 |
| Jefferson County Texas | 5 | $ 815,000 | $ 163,000 | $ 62,000 |
| Utah County Utah | 5 | $ 1,295,000 | $ 259,000 | $ 84,000 |
| Chesapeake County Virginia | 5 | $ 1,365,000 | $ 273,000 | $ 79,000 |
| Dallas County Iowa | 4 | $ 1,110,000 | $ 277,000 | $ 143,000 |
| Arenac County Michigan | 4 | $ 410,000 | $ 102,000 | $ 35,000 |
| Emmet County Michigan | 4 | $ 770,000 | $ 192,000 | $ 64,000 |
| Midland County Michigan | 4 | $ 470,000 | $ 117,000 | $ 43,000 |
| Burlington County New Jersey | 4 | $ 720,000 | $ 180,000 | $ 66,000 |
| Middlesex County New Jersey | 4 | $ 960,000 | $ 240,000 | $ 102,000 |
| Knox County Ohio | 4 | $ 720,000 | $ 180,000 | $ 49,000 |
| Kershaw County South Carolina | 4 | $ 360,000 | $ 90,000 | $ 34,000 |
| Ellis County Texas | 4 | $ 1,250,000 | $ 312,000 | $ 81,000 |
| Clear Creek County Colorado | 3 | $ 1,165,000 | $ 388,000 | $ 94,000 |
| Elbert County Colorado | 3 | $ 1,265,000 | $ 421,000 | $ 132,000 |
| Fremont County Colorado | 3 | $ 585,000 | $ 195,000 | $ 46,000 |
| Broward County Florida | 3 | $ 825,000 | $ 275,000 | $ 89,000 |
| Guthrie County Iowa | 3 | $ 805,000 | $ 268,000 | $ 62,000 |
| Story County Iowa | 3 | $ 735,000 | $ 245,000 | $ 131,000 |
| Antrim County Michigan | 3 | $ 405,000 | $ 135,000 | $ 68,000 |
| Gratiot County Michigan | 3 | $ 475,000 | $ 158,000 | $ 67,000 |
| Huron County Michigan | 3 | $ 265,000 | $ 88,000 | $ 31,000 |
| Manistee County Michigan | 3 | $ 315,000 | $ 105,000 | $ 52,000 |
| Mecosta County Michigan | 3 | $ 325,000 | $ 108,000 | $ 70,000 |
| Camden County New Jersey | 3 | $ 775,000 | $ 258,000 | $ 94,000 |
| Ocean County New Jersey | 3 | $ 545,000 | $ 181,000 | $ 287,000 |
| Sussex County New Jersey | 3 | $ 565,000 | $ 188,000 | $ 77,000 |
| Franklin County North Carolina | 3 | $ 545,000 | $ 181,000 | $ 65,000 |
| Dallas County Texas | 3 | $ 475,000 | $ 158,000 | $ 63,000 |
| Tooele County Utah | 3 | $ 705,000 | $ 235,000 | $ 44,000 |
| Southampton County Virginia | 3 | $ 505,000 | $ 168,000 | $ 88,000 |
| Walworth County Wisconsin | 3 | $ 585,000 | $ 195,000 | $ 60,000 |
| Grand County Colorado | 2 | $ 730,000 | $ 365,000 | $ 289,000 |
| Carroll County Iowa | 2 | $ 210,000 | $ 105,000 | $ 102,000 |
| Mills County Iowa | 2 | $ 510,000 | $ 255,000 | $ 0 |
| Page County Iowa | 2 | $ 270,000 | $ 135,000 | $ 55,000 |
| Barry County Michigan | 2 | $ 420,000 | $ 210,000 | $ 62,000 |
| Benzie County Michigan | 2 | $ 220,000 | $ 110,000 | $ 38,000 |
| Hillsdale County Michigan | 2 | $ 280,000 | $ 140,000 | $ 53,000 |
| Ionia County Michigan | 2 | $ 280,000 | $ 140,000 | $ 61,000 |
| Kalamazoo County Michigan | 2 | $ 350,000 | $ 175,000 | $ 61,000 |
| Lake County Michigan | 2 | $ 330,000 | $ 165,000 | $ 68,000 |
| Lenawee County Michigan | 2 | $ 570,000 | $ 285,000 | $ 147,000 |
| Montcalm County Michigan | 2 | $ 380,000 | $ 190,000 | $ 95,000 |
| Newaygo County Michigan | 2 | $ 280,000 | $ 140,000 | $ 114,000 |
| Hunterdon County New Jersey | 2 | $ 470,000 | $ 235,000 | $ 62,000 |
| Morris County New Jersey | 2 | $ 920,000 | $ 460,000 | $ 118,000 |
| Warren County New Jersey | 2 | $ 320,000 | $ 160,000 | $ 61,000 |
| Nash County North Carolina | 2 | $ 320,000 | $ 160,000 | $ 49,000 |
| Guernsey County Ohio | 2 | $ 140,000 | $ 70,000 | $ 67,000 |
| Pickaway County Ohio | 2 | $ 320,000 | $ 160,000 | $ 48,000 |
| Vinton County Ohio | 2 | $ 180,000 | $ 90,000 | $ 54,000 |
| Anderson County South Carolina | 2 | $ 370,000 | $ 185,000 | $ 28,000 |
| Colleton County South Carolina | 2 | $ 320,000 | $ 160,000 | $ 90,000 |
| Georgetown County South Carolina | 2 | $ 220,000 | $ 110,000 | $ 17,000 |
| Grayson County Texas | 2 | $ 560,000 | $ 280,000 | $ 114,000 |
| Harris County Texas | 2 | $ 550,000 | $ 275,000 | $ 89,000 |
| Montgomery County Texas | 2 | $ 590,000 | $ 295,000 | $ 85,000 |
| Travis County Texas | 2 | $ 430,000 | $ 215,000 | $ 129,000 |
| Box Elder County Utah | 2 | $ 770,000 | $ 385,000 | $ 88,000 |
| Summit County Utah | 2 | $ 980,000 | $ 490,000 | $ 114,000 |
| Washington County Utah | 2 | $ 610,000 | $ 305,000 | $ 72,000 |
| Norfolk County Virginia | 2 | $ 310,000 | $ 155,000 | $ 33,000 |
| Milwaukee County Wisconsin | 2 | $ 210,000 | $ 105,000 | $ 74,000 |
| Fulton County Arkansas | 1 | $ 195,000 | $ 195,000 | $ 37,000 |
| Broomfield County Colorado | 1 | $ 435,000 | $ 435,000 | $ 169,000 |
| Delta County Colorado | 1 | $ 255,000 | $ 255,000 | $ 82,000 |
| Huerfano County Colorado | 1 | $ 85,000 | $ 85,000 | $ 55,000 |
| Larimer County Colorado | 1 | $ 355,000 | $ 355,000 | $ 61,000 |
| Lincoln County Colorado | 1 | $ 165,000 | $ 165,000 | $ 49,000 |
| Morgan County Colorado | 1 | $ 95,000 | $ 95,000 | $ 62,000 |
| Park County Colorado | 1 | $ 375,000 | $ 375,000 | $ 151,000 |
| Teller County Colorado | 1 | $ 215,000 | $ 215,000 | $ 55,000 |
| Lake County Florida | 1 | $ 205,000 | $ 205,000 | $ 52,000 |
| Manatee County Florida | 1 | $ 145,000 | $ 145,000 | $ 77,000 |
| Polk County Florida | 1 | $ 115,000 | $ 115,000 | $ 22,000 |
| Cass County Iowa | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Jasper County Iowa | 1 | $ 215,000 | $ 215,000 | $ 72,000 |
| Montgomery County Iowa | 1 | $ 95,000 | $ 95,000 | $ 28,000 |
| Pottawattamie County Iowa | 1 | $ 255,000 | $ 255,000 | $ 59,000 |
| Shelby County Iowa | 1 | $ 135,000 | $ 135,000 | $ 78,000 |
| Warren County Iowa | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| Allegan County Michigan | 1 | $ 185,000 | $ 185,000 | $ 61,000 |
| Bay County Michigan | 1 | $ 215,000 | $ 215,000 | $ 78,000 |
| Calhoun County Michigan | 1 | $ 255,000 | $ 255,000 | $ 65,000 |
| Charlevoix County Michigan | 1 | $ 215,000 | $ 215,000 | $ 74,000 |
| Crawford County Michigan | 1 | $ 65,000 | $ 65,000 | $ 138,000 |
| Delta County Michigan | 1 | $ 55,000 | $ 55,000 | $ 43,000 |
| Gladwin County Michigan | 1 | $ 235,000 | $ 235,000 | $ 64,000 |
| Luce County Michigan | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Mackinac County Michigan | 1 | $ 115,000 | $ 115,000 | $ 65,000 |
| Menominee County Michigan | 1 | $ 65,000 | $ 65,000 | $ 30,000 |
| Montmorency County Michigan | 1 | $ 235,000 | $ 235,000 | $ 163,000 |
| Muskegon County Michigan | 1 | $ 165,000 | $ 165,000 | $ 100,000 |
| Presque Isle County Michigan | 1 | $ 105,000 | $ 105,000 | $ 59,000 |
| St. Joseph County Michigan | 1 | $ 95,000 | $ 95,000 | $ 28,000 |
| Otoe County Nebraska | 1 | $ 745,000 | $ 745,000 | $ 147,000 |
| Brunswick County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 29,000 |
| Catawba County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 98,000 |
| Dare County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 164,000 |
| Harnett County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 63,000 |
| Johnston County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 37,000 |
| Rowan County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 36,000 |
| Vance County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 43,000 |
| Warren County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 43,000 |
| Clark County Ohio | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Coshocton County Ohio | 1 | $ 75,000 | $ 75,000 | $ 22,000 |
| Cuyahoga County Ohio | 1 | $ 135,000 | $ 135,000 | $ 50,000 |
| Delaware County Ohio | 1 | $ 485,000 | $ 485,000 | $ 123,000 |
| Madison County Ohio | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| Meigs County Ohio | 1 | $ 55,000 | $ 55,000 | $ 24,000 |
| Morrow County Ohio | 1 | $ 145,000 | $ 145,000 | $ 81,000 |
| Preble County Ohio | 1 | $ 135,000 | $ 135,000 | $ 62,000 |
| Union County Ohio | 1 | $ 185,000 | $ 185,000 | $ 57,000 |
| Greenville County South Carolina | 1 | $ 195,000 | $ 195,000 | $ 60,000 |
| Spartanburg County South Carolina | 1 | $ 305,000 | $ 305,000 | $ 69,000 |
| Tipton County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 40,000 |
| Bosque County Texas | 1 | $ 55,000 | $ 55,000 | $ 20,000 |
| Galveston County Texas | 1 | $ 235,000 | $ 235,000 | $ 341,000 |
| Hill County Texas | 1 | $ 135,000 | $ 135,000 | $ 83,000 |
| Kaufman County Texas | 1 | $ 345,000 | $ 345,000 | $ 84,000 |
| Nueces County Texas | 1 | $ 125,000 | $ 125,000 | $ 46,000 |
| Williamson County Texas | 1 | $ 455,000 | $ 455,000 | $ 269,000 |
| Cache County Utah | 1 | $ 275,000 | $ 275,000 | $ 110,000 |
| Uintah County Utah | 1 | $ 235,000 | $ 235,000 | $ 163,000 |
| Bedford County Virginia | 1 | $ 165,000 | $ 165,000 | $ 53,000 |
| Chesterfield County Virginia | 1 | $ 215,000 | $ 215,000 | $ 41,000 |
| Hampton County Virginia | 1 | $ 355,000 | $ 355,000 | $ 106,000 |
| Poquoson County Virginia | 1 | $ 375,000 | $ 375,000 | $ 95,000 |
| Portsmouth County Virginia | 1 | $ 225,000 | $ 225,000 | $ 56,000 |
| Racine County Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for J. Virgil, Inc. in 2019
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 | 2,138 | $388,690,000 | $181,000 | $995,000 | $75,000 | $734,000 |
| Refinancing | 496 | $112,300,000 | $226,000 | $755,000 | $78,000 | $656,000 |
| Home Improvement | 98 | $21,080,000 | $215,000 | $505,000 | $99,000 | $445,000 |
| Not Applicable | 88 | $18,540,000 | $210,000 | $1,585,000 | $83,000 | $855,000 |
| Cash-out Refinancing | 64 | $12,100,000 | $189,000 | $485,000 | $87,000 | $358,000 |
| Other Purpose | 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 | 2,515 | $473,435,000 | $188,000 | $1,585,000 | $77,000 | $734,000 |
| Hispanic | 172 | $40,220,000 | $233,000 | $705,000 | $77,000 | $656,000 |
| Black or African American | 133 | $23,295,000 | $175,000 | $485,000 | $70,000 | $855,000 |
| Asian | 30 | $8,100,000 | $270,000 | $675,000 | $112,000 | $309,000 |
| Not Provided | 21 | $4,945,000 | $235,000 | $485,000 | $89,000 | $258,000 |
| American Indian or Alaskan Native | 5 | $695,000 | $139,000 | $215,000 | $46,000 | $72,000 |
| Not applicable | 3 | $465,000 | $155,000 | $185,000 | $72,000 | $110,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $700,000 | $350,000 | $355,000 | $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) | 1,336 | $288,990,000 | $216,000 | $1,585,000 | $98,000 | $855,000 |
| FHA-insured (Federal Housing Administration) | 951 | $162,125,000 | $170,000 | $585,000 | $62,000 | $576,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 377 | $49,705,000 | $131,000 | $355,000 | $49,000 | $95,000 |
| VA-guaranteed (Veterans Administration) | 220 | $51,890,000 | $235,000 | $745,000 | $59,000 | $296,000 |
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 | 2,220 | $416,560,000 | $187,000 | $815,000 | $76,000 | $734,000 |
| Application Withdrawn By Applicant | 554 | $115,830,000 | $209,000 | $1,585,000 | $80,000 | $855,000 |
| Application Denied By Financial Institution | 110 | $20,320,000 | $184,000 | $635,000 | $72,000 | $656,000 |
| 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 | 2,774 | $532,390,000 | $191,000 | $1,585,000 | $77,000 | $855,000 |
| Debt-To-Income Ratio | 30 | $6,760,000 | $225,000 | $635,000 | $61,000 | $168,000 |
| Credit History | 29 | $5,205,000 | $179,000 | $445,000 | $89,000 | $656,000 |
| Collateral | 19 | $2,295,000 | $120,000 | $205,000 | $69,000 | $202,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $2,795,000 | $215,000 | $605,000 | $60,000 | $155,000 |
| Unverifiable Information | 8 | $1,490,000 | $186,000 | $295,000 | $72,000 | $129,000 |
| Employment History | 5 | $645,000 | $129,000 | $205,000 | $50,000 | $81,000 |
| Other | 4 | $1,000,000 | $250,000 | $355,000 | $102,000 | $179,000 |
| Credit Application Incomplete | 2 | $130,000 | $65,000 | $105,000 | $69,000 | $74,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into J. Virgil, Inc.'s 2019 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.