J. Virgil, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
J. Virgil, Inc. 2020 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 | 4,346 |
| Total Mortgage Loan Application Amount | $888,840,000 |
| Average Mortgage Loan Application Amount | $166,000 |
| Highest Mortgage Loan Application Amount | $1,805,000 |
| Average Applicant Income | $80,200 |
| Highest Applicant Income | $3,162,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 1,147 | $ 182,845,000 | $ 159,000 | $ 70,000 |
| Oakland County Michigan | 365 | $ 77,235,000 | $ 211,000 | $ 93,000 |
| Lapeer County Michigan | 318 | $ 55,270,000 | $ 173,000 | $ 65,000 |
| Fairfield County Ohio | 228 | $ 38,900,000 | $ 170,000 | $ 67,000 |
| Weber County Utah | 127 | $ 31,385,000 | $ 247,000 | $ 80,000 |
| Palm Beach County Florida | 124 | $ 35,920,000 | $ 289,000 | $ 122,000 |
| Livingston County Michigan | 113 | $ 27,375,000 | $ 242,000 | $ 93,000 |
| Shiawassee County Michigan | 103 | $ 14,355,000 | $ 139,000 | $ 57,000 |
| Macomb County Michigan | 93 | $ 16,365,000 | $ 175,000 | $ 80,000 |
| Arapahoe County Colorado | 82 | $ 26,920,000 | $ 328,000 | $ 109,000 |
| Douglas County Colorado | 78 | $ 30,820,000 | $ 395,000 | $ 132,000 |
| Jefferson County Colorado | 77 | $ 26,445,000 | $ 343,000 | $ 114,000 |
| Saginaw County Michigan | 75 | $ 10,995,000 | $ 146,000 | $ 104,000 |
| Denver County Colorado | 64 | $ 22,900,000 | $ 357,000 | $ 139,000 |
| Kent County Michigan | 58 | $ 12,740,000 | $ 219,000 | $ 96,000 |
| Tuscola County Michigan | 48 | $ 5,780,000 | $ 120,000 | $ 53,000 |
| Iosco County Michigan | 47 | $ 5,065,000 | $ 107,000 | $ 47,000 |
| Licking County Ohio | 46 | $ 7,490,000 | $ 162,000 | $ 58,000 |
| Davis County Utah | 46 | $ 12,360,000 | $ 268,000 | $ 93,000 |
| Adams County Colorado | 42 | $ 14,550,000 | $ 346,000 | $ 107,000 |
| Wexford County Michigan | 42 | $ 5,450,000 | $ 129,000 | $ 42,000 |
| Wayne County Michigan | 40 | $ 6,950,000 | $ 173,000 | $ 93,000 |
| St. Clair County Michigan | 37 | $ 6,275,000 | $ 169,000 | $ 67,000 |
| Hocking County Ohio | 30 | $ 4,400,000 | $ 146,000 | $ 50,000 |
| Franklin County Ohio | 26 | $ 3,910,000 | $ 150,000 | $ 70,000 |
| Muskingum County Ohio | 26 | $ 3,260,000 | $ 125,000 | $ 52,000 |
| Martin County Florida | 25 | $ 8,915,000 | $ 356,000 | $ 146,000 |
| Grand Traverse County Michigan | 23 | $ 4,455,000 | $ 193,000 | $ 77,000 |
| El Paso County Colorado | 21 | $ 7,835,000 | $ 373,000 | $ 116,000 |
| Missaukee County Michigan | 21 | $ 3,465,000 | $ 165,000 | $ 78,000 |
| Sanilac County Michigan | 21 | $ 2,145,000 | $ 102,000 | $ 49,000 |
| Ottawa County Michigan | 19 | $ 4,105,000 | $ 216,000 | $ 75,000 |
| Tarrant County Texas | 19 | $ 4,405,000 | $ 231,000 | $ 143,000 |
| Harris County Texas | 18 | $ 3,970,000 | $ 220,000 | $ 98,000 |
| Ingham County Michigan | 17 | $ 2,245,000 | $ 132,000 | $ 54,000 |
| Alcona County Michigan | 16 | $ 1,830,000 | $ 114,000 | $ 58,000 |
| Somerset County New Jersey | 16 | $ 7,460,000 | $ 466,000 | $ 186,000 |
| Broward County Florida | 15 | $ 5,385,000 | $ 359,000 | $ 144,000 |
| Osceola County Michigan | 15 | $ 2,045,000 | $ 136,000 | $ 50,000 |
| Perry County Ohio | 15 | $ 2,625,000 | $ 175,000 | $ 68,000 |
| Clinton County Michigan | 14 | $ 2,280,000 | $ 162,000 | $ 70,000 |
| Denton County Texas | 14 | $ 4,050,000 | $ 289,000 | $ 162,000 |
| Miami-Dade County Florida | 13 | $ 4,075,000 | $ 313,000 | $ 112,000 |
| Polk County Iowa | 13 | $ 2,985,000 | $ 229,000 | $ 126,000 |
| St. Lucie County Florida | 12 | $ 2,090,000 | $ 174,000 | $ 42,000 |
| Monroe County Michigan | 12 | $ 2,180,000 | $ 181,000 | $ 80,000 |
| Hudson County New Jersey | 12 | $ 3,920,000 | $ 326,000 | $ 108,000 |
| Morris County New Jersey | 12 | $ 4,960,000 | $ 413,000 | $ 157,000 |
| Salt Lake County Utah | 12 | $ 3,640,000 | $ 303,000 | $ 91,000 |
| Larimer County Colorado | 11 | $ 3,455,000 | $ 314,000 | $ 118,000 |
| Eaton County Michigan | 11 | $ 1,885,000 | $ 171,000 | $ 62,000 |
| Box Elder County Utah | 11 | $ 3,015,000 | $ 274,000 | $ 90,000 |
| Boulder County Colorado | 9 | $ 3,415,000 | $ 379,000 | $ 113,000 |
| Broomfield County Colorado | 9 | $ 2,825,000 | $ 313,000 | $ 103,000 |
| Weld County Colorado | 9 | $ 3,175,000 | $ 352,000 | $ 126,000 |
| Bay County Michigan | 9 | $ 935,000 | $ 103,000 | $ 58,000 |
| Mecosta County Michigan | 9 | $ 1,135,000 | $ 126,000 | $ 61,000 |
| Midland County Michigan | 9 | $ 1,225,000 | $ 136,000 | $ 59,000 |
| Roscommon County Michigan | 9 | $ 1,485,000 | $ 165,000 | $ 92,000 |
| Union County New Jersey | 9 | $ 3,295,000 | $ 366,000 | $ 216,000 |
| Guernsey County Ohio | 9 | $ 1,705,000 | $ 189,000 | $ 66,000 |
| Polk County Florida | 8 | $ 1,520,000 | $ 190,000 | $ 94,000 |
| Elbert County Colorado | 7 | $ 2,445,000 | $ 349,000 | $ 115,000 |
| Montmorency County Michigan | 7 | $ 1,305,000 | $ 186,000 | $ 109,000 |
| Washtenaw County Michigan | 7 | $ 1,465,000 | $ 209,000 | $ 93,000 |
| Dallas County Texas | 7 | $ 1,355,000 | $ 193,000 | $ 90,000 |
| Audubon County Iowa | 6 | $ 1,230,000 | $ 205,000 | $ 111,000 |
| Dallas County Iowa | 6 | $ 1,670,000 | $ 278,000 | $ 127,000 |
| Gladwin County Michigan | 6 | $ 830,000 | $ 138,000 | $ 199,000 |
| Huron County Michigan | 6 | $ 780,000 | $ 130,000 | $ 108,000 |
| Ogemaw County Michigan | 6 | $ 670,000 | $ 111,000 | $ 84,000 |
| Otsego County Michigan | 6 | $ 700,000 | $ 116,000 | $ 45,000 |
| Middlesex County New Jersey | 6 | $ 2,020,000 | $ 336,000 | $ 128,000 |
| Passaic County New Jersey | 6 | $ 1,810,000 | $ 301,000 | $ 67,000 |
| Athens County Ohio | 6 | $ 820,000 | $ 136,000 | $ 52,000 |
| Osceola County Florida | 5 | $ 1,215,000 | $ 243,000 | $ 82,000 |
| Allegan County Michigan | 5 | $ 1,355,000 | $ 271,000 | $ 105,000 |
| Antrim County Michigan | 5 | $ 1,135,000 | $ 227,000 | $ 77,000 |
| Clare County Michigan | 5 | $ 825,000 | $ 165,000 | $ 106,000 |
| Ionia County Michigan | 5 | $ 1,125,000 | $ 225,000 | $ 136,000 |
| Kalkaska County Michigan | 5 | $ 675,000 | $ 135,000 | $ 57,000 |
| Muskegon County Michigan | 5 | $ 665,000 | $ 133,000 | $ 71,000 |
| Monmouth County New Jersey | 5 | $ 1,815,000 | $ 363,000 | $ 339,000 |
| Delaware County Ohio | 5 | $ 1,745,000 | $ 349,000 | $ 167,000 |
| Knox County Ohio | 5 | $ 735,000 | $ 147,000 | $ 55,000 |
| Pickaway County Ohio | 5 | $ 965,000 | $ 193,000 | $ 61,000 |
| Clear Creek County Colorado | 4 | $ 1,450,000 | $ 362,000 | $ 133,000 |
| Eagle County Colorado | 4 | $ 1,820,000 | $ 455,000 | $ 440,000 |
| Guthrie County Iowa | 4 | $ 1,360,000 | $ 340,000 | $ 175,000 |
| Arenac County Michigan | 4 | $ 550,000 | $ 137,000 | $ 57,000 |
| Barry County Michigan | 4 | $ 730,000 | $ 182,000 | $ 100,000 |
| Benzie County Michigan | 4 | $ 740,000 | $ 185,000 | $ 54,000 |
| Cheboygan County Michigan | 4 | $ 450,000 | $ 112,000 | $ 52,000 |
| Gratiot County Michigan | 4 | $ 420,000 | $ 105,000 | $ 75,000 |
| Jackson County Michigan | 4 | $ 690,000 | $ 172,000 | $ 73,000 |
| Lenawee County Michigan | 4 | $ 1,050,000 | $ 262,000 | $ 68,000 |
| Douglas County Nebraska | 4 | $ 970,000 | $ 242,000 | $ 51,000 |
| Bergen County New Jersey | 4 | $ 1,260,000 | $ 315,000 | $ 125,000 |
| Charleston County South Carolina | 4 | $ 970,000 | $ 242,000 | $ 107,000 |
| Horry County South Carolina | 4 | $ 550,000 | $ 137,000 | $ 40,000 |
| Bell County Texas | 4 | $ 530,000 | $ 132,000 | $ 115,000 |
| Collin County Texas | 4 | $ 1,350,000 | $ 337,000 | $ 633,000 |
| Montgomery County Texas | 4 | $ 1,030,000 | $ 257,000 | $ 79,000 |
| Cache County Utah | 4 | $ 960,000 | $ 240,000 | $ 60,000 |
| Washington County Utah | 4 | $ 750,000 | $ 187,000 | $ 99,000 |
| Summit County Colorado | 3 | $ 875,000 | $ 291,000 | $ 141,000 |
| Charlotte County Florida | 3 | $ 495,000 | $ 165,000 | $ 65,000 |
| Citrus County Florida | 3 | $ 745,000 | $ 248,000 | $ 100,000 |
| Lake County Florida | 3 | $ 705,000 | $ 235,000 | $ 86,000 |
| Orange County Florida | 3 | $ 1,005,000 | $ 335,000 | $ 135,000 |
| Seminole County Florida | 3 | $ 1,245,000 | $ 415,000 | $ 84,000 |
| Story County Iowa | 3 | $ 665,000 | $ 221,000 | $ 41,000 |
| Calhoun County Michigan | 3 | $ 465,000 | $ 155,000 | $ 76,000 |
| Emmet County Michigan | 3 | $ 685,000 | $ 228,000 | $ 230,000 |
| Lake County Michigan | 3 | $ 435,000 | $ 145,000 | $ 90,000 |
| Mason County Michigan | 3 | $ 305,000 | $ 101,000 | $ 34,000 |
| Van Buren County Michigan | 3 | $ 785,000 | $ 261,000 | $ 89,000 |
| Fayette County Ohio | 3 | $ 285,000 | $ 95,000 | $ 28,000 |
| Morgan County Ohio | 3 | $ 535,000 | $ 178,000 | $ 69,000 |
| Grand County Colorado | 2 | $ 730,000 | $ 365,000 | $ 257,000 |
| Pueblo County Colorado | 2 | $ 390,000 | $ 195,000 | $ 51,000 |
| Teller County Colorado | 2 | $ 580,000 | $ 290,000 | $ 77,000 |
| Brevard County Florida | 2 | $ 570,000 | $ 285,000 | $ 97,000 |
| Collier County Florida | 2 | $ 610,000 | $ 305,000 | $ 148,000 |
| Duval County Florida | 2 | $ 1,110,000 | $ 555,000 | $ 336,000 |
| Hernando County Florida | 2 | $ 290,000 | $ 145,000 | $ 113,000 |
| Lee County Florida | 2 | $ 280,000 | $ 140,000 | $ 301,000 |
| St. Johns County Florida | 2 | $ 390,000 | $ 195,000 | $ 259,000 |
| Carroll County Iowa | 2 | $ 300,000 | $ 150,000 | $ 94,000 |
| Warren County Iowa | 2 | $ 630,000 | $ 315,000 | $ 160,000 |
| Manistee County Michigan | 2 | $ 170,000 | $ 85,000 | $ 52,000 |
| Montcalm County Michigan | 2 | $ 420,000 | $ 210,000 | $ 126,000 |
| Ocean County New Jersey | 2 | $ 690,000 | $ 345,000 | $ 646,000 |
| Meigs County Ohio | 2 | $ 200,000 | $ 100,000 | $ 79,000 |
| Montgomery County Ohio | 2 | $ 170,000 | $ 85,000 | $ 38,000 |
| Dorchester County South Carolina | 2 | $ 220,000 | $ 110,000 | $ 121,000 |
| Bexar County Texas | 2 | $ 940,000 | $ 470,000 | $ 143,000 |
| Brazoria County Texas | 2 | $ 480,000 | $ 240,000 | $ 77,000 |
| Fort Bend County Texas | 2 | $ 430,000 | $ 215,000 | $ 61,000 |
| Galveston County Texas | 2 | $ 850,000 | $ 425,000 | $ 226,000 |
| Grayson County Texas | 2 | $ 510,000 | $ 255,000 | $ 111,000 |
| Johnson County Texas | 2 | $ 380,000 | $ 190,000 | $ 181,000 |
| Williamson County Texas | 2 | $ 480,000 | $ 240,000 | $ 75,000 |
| Duchesne County Utah | 2 | $ 390,000 | $ 195,000 | $ 64,000 |
| Fremont County Colorado | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Montrose County Colorado | 1 | $ 115,000 | $ 115,000 | $ 51,000 |
| Park County Colorado | 1 | $ 405,000 | $ 405,000 | $ 110,000 |
| Flagler County Florida | 1 | $ 215,000 | $ 215,000 | $ 102,000 |
| Gulf County Florida | 1 | $ 535,000 | $ 535,000 | $ 260,000 |
| Hendry County Florida | 1 | $ 185,000 | $ 185,000 | $ 45,000 |
| Hillsborough County Florida | 1 | $ 355,000 | $ 355,000 | $ 177,000 |
| Indian River County Florida | 1 | $ 195,000 | $ 195,000 | $ 66,000 |
| Manatee County Florida | 1 | $ 145,000 | $ 145,000 | $ 87,000 |
| Pinellas County Florida | 1 | $ 145,000 | $ 145,000 | $ 119,000 |
| Sarasota County Florida | 1 | $ 265,000 | $ 265,000 | $ 55,000 |
| Cass County Iowa | 1 | $ 55,000 | $ 55,000 | $ 45,000 |
| Mills County Iowa | 1 | $ 325,000 | $ 325,000 | $ 74,000 |
| Montgomery County Iowa | 1 | $ 95,000 | $ 95,000 | $ 28,000 |
| Alpena County Michigan | 1 | $ 85,000 | $ 85,000 | $ 44,000 |
| Branch County Michigan | 1 | $ 255,000 | $ 255,000 | $ 102,000 |
| Chippewa County Michigan | 1 | $ 205,000 | $ 205,000 | $ 95,000 |
| Hillsdale County Michigan | 1 | $ 115,000 | $ 115,000 | $ 48,000 |
| Kalamazoo County Michigan | 1 | $ 205,000 | $ 205,000 | $ 61,000 |
| Leelanau County Michigan | 1 | $ 225,000 | $ 225,000 | $ 55,000 |
| Mackinac County Michigan | 1 | $ 75,000 | $ 75,000 | $ 99,000 |
| Newaygo County Michigan | 1 | $ 345,000 | $ 345,000 | $ 146,000 |
| Presque Isle County Michigan | 1 | $ 55,000 | $ 55,000 | $ 79,000 |
| Essex County New Jersey | 1 | $ 315,000 | $ 315,000 | $ 212,000 |
| Hunterdon County New Jersey | 1 | $ 295,000 | $ 295,000 | $ 105,000 |
| Sussex County New Jersey | 1 | $ 235,000 | $ 235,000 | $ 49,000 |
| Catawba County North Carolina | 1 | $ 505,000 | $ 505,000 | $ 140,000 |
| Moore County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 125,000 |
| Allen County Ohio | 1 | $ 225,000 | $ 225,000 | $ 79,000 |
| Belmont County Ohio | 1 | $ 95,000 | $ 95,000 | $ 29,000 |
| Champaign County Ohio | 1 | $ 175,000 | $ 175,000 | $ 119,000 |
| Clark County Ohio | 1 | $ 125,000 | $ 125,000 | $ 62,000 |
| Greene County Ohio | 1 | $ 285,000 | $ 285,000 | $ 99,000 |
| Lucas County Ohio | 1 | $ 95,000 | $ 95,000 | $ 192,000 |
| Madison County Ohio | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Morrow County Ohio | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Ottawa County Ohio | 1 | $ 145,000 | $ 145,000 | $ 150,000 |
| Richland County Ohio | 1 | $ 225,000 | $ 225,000 | $ 64,000 |
| Tuscarawas County Ohio | 1 | $ 155,000 | $ 155,000 | $ 37,000 |
| Union County Ohio | 1 | $ 205,000 | $ 205,000 | $ 83,000 |
| Vinton County Ohio | 1 | $ 105,000 | $ 105,000 | $ 31,000 |
| Davidson County Tennessee | 1 | $ 395,000 | $ 395,000 | $ 115,000 |
| Chambers County Texas | 1 | $ 245,000 | $ 245,000 | $ 77,000 |
| Comal County Texas | 1 | $ 205,000 | $ 205,000 | $ 94,000 |
| Ellis County Texas | 1 | $ 185,000 | $ 185,000 | $ 103,000 |
| Guadalupe County Texas | 1 | $ 235,000 | $ 235,000 | $ 87,000 |
| Hays County Texas | 1 | $ 235,000 | $ 235,000 | $ 92,000 |
| Potter County Texas | 1 | $ 155,000 | $ 155,000 | $ 45,000 |
| San Patricio County Texas | 1 | $ 275,000 | $ 275,000 | $ 123,000 |
| Smith County Texas | 1 | $ 245,000 | $ 245,000 | $ 84,000 |
| Taylor County Texas | 1 | $ 305,000 | $ 305,000 | $ 75,000 |
| Tom Green County Texas | 1 | $ 185,000 | $ 185,000 | $ 56,000 |
| Val Verde County Texas | 1 | $ 175,000 | $ 175,000 | $ 39,000 |
| Carbon County Utah | 1 | $ 265,000 | $ 265,000 | $ 76,000 |
| Rich County Utah | 1 | $ 225,000 | $ 225,000 | $ 118,000 |
| Summit County Utah | 1 | $ 445,000 | $ 445,000 | $ 377,000 |
| Utah County Utah | 1 | $ 385,000 | $ 385,000 | $ 70,000 |
| Wasatch County Utah | 1 | $ 565,000 | $ 565,000 | $ 234,000 |
Mortgage Loan Application Detail Totals for J. Virgil, Inc. in 2020
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 | 2,276 | $430,880,000 | $189,000 | $1,805,000 | $75,000 | $3,162,000 |
| Refinancing | 1,627 | $365,705,000 | $224,000 | $1,205,000 | $96,000 | $2,049,000 |
| Home Improvement | 417 | $88,615,000 | $212,000 | $1,365,000 | $97,000 | $817,000 |
| Cash-out Refinancing | 18 | $3,580,000 | $198,000 | $425,000 | $82,000 | $188,000 |
| Other Purpose | 8 | $60,000 | $7,000 | $15,000 | $51,000 | $96,000 |
| Not Applicable | 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 | 3,913 | $790,035,000 | $201,000 | $1,805,000 | $85,000 | $3,162,000 |
| Hispanic | 182 | $46,290,000 | $254,000 | $855,000 | $93,000 | $2,049,000 |
| Black or African American | 143 | $26,655,000 | $186,000 | $585,000 | $70,000 | $270,000 |
| Not Provided | 49 | $10,905,000 | $222,000 | $765,000 | $86,000 | $260,000 |
| Asian | 44 | $10,230,000 | $232,000 | $615,000 | $117,000 | $480,000 |
| American Indian or Alaskan Native | 9 | $2,665,000 | $296,000 | $755,000 | $82,000 | $225,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,405,000 | $281,000 | $585,000 | $71,000 | $166,000 |
| Not applicable | 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) | 2,724 | $604,210,000 | $221,000 | $1,805,000 | $104,000 | $3,162,000 |
| FHA-insured (Federal Housing Administration) | 912 | $159,580,000 | $174,000 | $545,000 | $57,000 | $210,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 471 | $66,625,000 | $141,000 | $385,000 | $44,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 239 | $58,425,000 | $244,000 | $795,000 | $55,000 | $550,000 |
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 | 3,348 | $681,950,000 | $203,000 | $795,000 | $85,000 | $3,162,000 |
| Application Withdrawn By Applicant | 938 | $195,910,000 | $208,000 | $1,805,000 | $87,000 | $988,000 |
| Application Denied By Financial Institution | 59 | $10,815,000 | $183,000 | $585,000 | $60,000 | $203,000 |
| File Closed For Incompleteness | 1 | $165,000 | $165,000 | $165,000 | $122,000 | $122,000 |
| Application Approved But Not Accepted | 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 | 4,287 | $878,025,000 | $204,000 | $1,805,000 | $85,000 | $3,162,000 |
| Debt-To-Income Ratio | 20 | $4,140,000 | $207,000 | $445,000 | $54,000 | $146,000 |
| Collateral | 16 | $1,810,000 | $113,000 | $185,000 | $49,000 | $130,000 |
| Credit History | 15 | $2,625,000 | $175,000 | $405,000 | $60,000 | $98,000 |
| Other | 3 | $585,000 | $195,000 | $375,000 | $27,000 | $60,000 |
| Unverifiable Information | 3 | $1,365,000 | $455,000 | $585,000 | $185,000 | $203,000 |
| Employment History | 1 | $155,000 | $155,000 | $155,000 | $90,000 | $90,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $135,000 | $135,000 | $135,000 | $73,000 | $73,000 |
| Mortgage Insurance Denied | 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 2020 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.