J. Virgil, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
J. Virgil, Inc. 2021 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 | 4,644 |
| Total Mortgage Loan Application Amount | $990,650,000 |
| Average Mortgage Loan Application Amount | $231,250 |
| Highest Mortgage Loan Application Amount | $2,165,000 |
| Average Applicant Income | $91,000 |
| Highest Applicant Income | $1,205,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 1,169 | $ 200,645,000 | $ 171,000 | $ 73,000 |
| Lapeer County Michigan | 303 | $ 54,405,000 | $ 179,000 | $ 70,000 |
| Oakland County Michigan | 299 | $ 66,265,000 | $ 221,000 | $ 92,000 |
| Fairfield County Ohio | 270 | $ 48,850,000 | $ 180,000 | $ 68,000 |
| Palm Beach County Florida | 133 | $ 42,855,000 | $ 322,000 | $ 137,000 |
| Weber County Utah | 99 | $ 25,765,000 | $ 260,000 | $ 81,000 |
| Saginaw County Michigan | 98 | $ 13,980,000 | $ 142,000 | $ 69,000 |
| Shiawassee County Michigan | 96 | $ 14,700,000 | $ 153,000 | $ 73,000 |
| Tuscola County Michigan | 83 | $ 12,505,000 | $ 150,000 | $ 65,000 |
| Livingston County Michigan | 81 | $ 19,045,000 | $ 235,000 | $ 86,000 |
| Jefferson County Colorado | 71 | $ 27,375,000 | $ 385,000 | $ 118,000 |
| Wexford County Michigan | 68 | $ 10,180,000 | $ 149,000 | $ 55,000 |
| Arapahoe County Colorado | 65 | $ 20,565,000 | $ 316,000 | $ 131,000 |
| Wayne County Michigan | 65 | $ 12,275,000 | $ 188,000 | $ 95,000 |
| Denver County Colorado | 63 | $ 24,915,000 | $ 395,000 | $ 124,000 |
| Macomb County Michigan | 59 | $ 10,505,000 | $ 178,000 | $ 68,000 |
| Iosco County Michigan | 54 | $ 6,800,000 | $ 125,000 | $ 57,000 |
| Muskingum County Ohio | 54 | $ 8,640,000 | $ 160,000 | $ 62,000 |
| Kent County Michigan | 53 | $ 12,365,000 | $ 233,000 | $ 93,000 |
| Adams County Colorado | 48 | $ 18,470,000 | $ 384,000 | $ 117,000 |
| Licking County Ohio | 47 | $ 8,835,000 | $ 187,000 | $ 68,000 |
| Franklin County Ohio | 44 | $ 8,570,000 | $ 194,000 | $ 70,000 |
| Douglas County Colorado | 42 | $ 21,140,000 | $ 503,000 | $ 165,000 |
| Hocking County Ohio | 41 | $ 7,835,000 | $ 191,000 | $ 71,000 |
| Davis County Utah | 41 | $ 11,205,000 | $ 273,000 | $ 85,000 |
| Denton County Texas | 39 | $ 13,475,000 | $ 345,000 | $ 130,000 |
| St. Clair County Michigan | 34 | $ 6,200,000 | $ 182,000 | $ 91,000 |
| Grand Traverse County Michigan | 31 | $ 7,255,000 | $ 234,000 | $ 78,000 |
| Perry County Ohio | 31 | $ 5,145,000 | $ 165,000 | $ 58,000 |
| Dallas County Texas | 31 | $ 7,885,000 | $ 254,000 | $ 114,000 |
| Moore County Texas | 31 | $ 5,375,000 | $ 173,000 | $ 71,000 |
| Martin County Florida | 29 | $ 8,135,000 | $ 280,000 | $ 104,000 |
| Randall County Texas | 29 | $ 5,545,000 | $ 191,000 | $ 76,000 |
| Missaukee County Michigan | 27 | $ 3,945,000 | $ 146,000 | $ 56,000 |
| Potter County Texas | 26 | $ 3,330,000 | $ 128,000 | $ 50,000 |
| Tarrant County Texas | 26 | $ 6,440,000 | $ 247,000 | $ 104,000 |
| Ingham County Michigan | 24 | $ 3,680,000 | $ 153,000 | $ 55,000 |
| St. Lucie County Florida | 23 | $ 6,075,000 | $ 264,000 | $ 107,000 |
| Sanilac County Michigan | 23 | $ 3,215,000 | $ 139,000 | $ 51,000 |
| Broward County Florida | 21 | $ 6,275,000 | $ 298,000 | $ 113,000 |
| Guernsey County Ohio | 21 | $ 3,665,000 | $ 174,000 | $ 62,000 |
| Osceola County Michigan | 20 | $ 2,860,000 | $ 143,000 | $ 52,000 |
| Washtenaw County Michigan | 19 | $ 4,615,000 | $ 242,000 | $ 97,000 |
| Athens County Ohio | 19 | $ 3,225,000 | $ 169,000 | $ 72,000 |
| Weld County Colorado | 18 | $ 6,350,000 | $ 352,000 | $ 102,000 |
| Bay County Michigan | 18 | $ 2,280,000 | $ 126,000 | $ 70,000 |
| Somerset County New Jersey | 17 | $ 7,265,000 | $ 427,000 | $ 213,000 |
| Pickaway County Ohio | 17 | $ 4,115,000 | $ 242,000 | $ 82,000 |
| Roscommon County Michigan | 16 | $ 1,950,000 | $ 121,000 | $ 74,000 |
| Clinton County Michigan | 14 | $ 3,140,000 | $ 224,000 | $ 82,000 |
| Salt Lake County Utah | 14 | $ 3,680,000 | $ 262,000 | $ 85,000 |
| El Paso County Colorado | 13 | $ 4,205,000 | $ 323,000 | $ 75,000 |
| Seminole County Florida | 13 | $ 4,145,000 | $ 318,000 | $ 87,000 |
| Alcona County Michigan | 13 | $ 1,435,000 | $ 110,000 | $ 48,000 |
| Emmet County Michigan | 12 | $ 2,590,000 | $ 215,000 | $ 101,000 |
| Midland County Michigan | 12 | $ 2,420,000 | $ 201,000 | $ 79,000 |
| Boulder County Colorado | 11 | $ 5,685,000 | $ 516,000 | $ 183,000 |
| Lee County Florida | 11 | $ 2,985,000 | $ 271,000 | $ 116,000 |
| Gladwin County Michigan | 11 | $ 1,485,000 | $ 135,000 | $ 97,000 |
| Kalkaska County Michigan | 11 | $ 1,845,000 | $ 167,000 | $ 64,000 |
| Ottawa County Michigan | 11 | $ 2,745,000 | $ 249,000 | $ 84,000 |
| Collin County Texas | 11 | $ 4,025,000 | $ 365,000 | $ 128,000 |
| Miami-Dade County Florida | 10 | $ 3,710,000 | $ 371,000 | $ 189,000 |
| Antrim County Michigan | 10 | $ 1,660,000 | $ 166,000 | $ 58,000 |
| Eaton County Michigan | 10 | $ 1,940,000 | $ 194,000 | $ 73,000 |
| Ross County Ohio | 10 | $ 2,200,000 | $ 220,000 | $ 80,000 |
| Cheboygan County Michigan | 8 | $ 1,040,000 | $ 130,000 | $ 72,000 |
| Mecosta County Michigan | 8 | $ 1,060,000 | $ 132,000 | $ 44,000 |
| Monroe County Michigan | 8 | $ 1,850,000 | $ 231,000 | $ 85,000 |
| Ogemaw County Michigan | 8 | $ 920,000 | $ 115,000 | $ 44,000 |
| Fremont County Colorado | 7 | $ 1,555,000 | $ 222,000 | $ 77,000 |
| Orange County Florida | 7 | $ 2,755,000 | $ 393,000 | $ 146,000 |
| Allegan County Michigan | 7 | $ 1,465,000 | $ 209,000 | $ 54,000 |
| Clare County Michigan | 7 | $ 855,000 | $ 122,000 | $ 67,000 |
| Muskegon County Michigan | 7 | $ 865,000 | $ 123,000 | $ 54,000 |
| Parker County Texas | 7 | $ 3,265,000 | $ 466,000 | $ 217,000 |
| Broomfield County Colorado | 6 | $ 2,640,000 | $ 440,000 | $ 198,000 |
| Pueblo County Colorado | 6 | $ 1,370,000 | $ 228,000 | $ 65,000 |
| Hillsborough County Florida | 6 | $ 1,520,000 | $ 253,000 | $ 112,000 |
| Crawford County Michigan | 6 | $ 630,000 | $ 105,000 | $ 66,000 |
| Huron County Michigan | 6 | $ 650,000 | $ 108,000 | $ 56,000 |
| Union County New Jersey | 6 | $ 2,600,000 | $ 433,000 | $ 244,000 |
| Meigs County Ohio | 6 | $ 890,000 | $ 148,000 | $ 116,000 |
| Box Elder County Utah | 6 | $ 900,000 | $ 150,000 | $ 60,000 |
| Summit County Colorado | 5 | $ 2,345,000 | $ 469,000 | $ 541,000 |
| Marion County Florida | 5 | $ 705,000 | $ 141,000 | $ 93,000 |
| Pasco County Florida | 5 | $ 1,085,000 | $ 217,000 | $ 73,000 |
| Gratiot County Michigan | 5 | $ 605,000 | $ 121,000 | $ 36,000 |
| Isabella County Michigan | 5 | $ 815,000 | $ 163,000 | $ 56,000 |
| Jackson County Michigan | 5 | $ 865,000 | $ 173,000 | $ 67,000 |
| Lenawee County Michigan | 5 | $ 955,000 | $ 191,000 | $ 39,000 |
| Morris County New Jersey | 5 | $ 2,615,000 | $ 523,000 | $ 215,000 |
| Harris County Texas | 5 | $ 1,345,000 | $ 269,000 | $ 168,000 |
| Travis County Texas | 5 | $ 2,285,000 | $ 457,000 | $ 233,000 |
| Elbert County Colorado | 4 | $ 1,680,000 | $ 420,000 | $ 135,000 |
| Osceola County Florida | 4 | $ 1,140,000 | $ 285,000 | $ 89,000 |
| Sarasota County Florida | 4 | $ 960,000 | $ 240,000 | $ 174,000 |
| Volusia County Florida | 4 | $ 910,000 | $ 227,000 | $ 59,000 |
| Arenac County Michigan | 4 | $ 540,000 | $ 135,000 | $ 34,000 |
| Barry County Michigan | 4 | $ 810,000 | $ 202,000 | $ 101,000 |
| Calhoun County Michigan | 4 | $ 640,000 | $ 160,000 | $ 57,000 |
| Ionia County Michigan | 4 | $ 740,000 | $ 185,000 | $ 71,000 |
| Lake County Michigan | 4 | $ 530,000 | $ 132,000 | $ 67,000 |
| Manistee County Michigan | 4 | $ 550,000 | $ 137,000 | $ 124,000 |
| Mason County Michigan | 4 | $ 650,000 | $ 162,000 | $ 111,000 |
| Bergen County New Jersey | 4 | $ 1,260,000 | $ 315,000 | $ 211,000 |
| Essex County New Jersey | 4 | $ 2,160,000 | $ 540,000 | $ 262,000 |
| Monmouth County New Jersey | 4 | $ 2,030,000 | $ 507,000 | $ 287,000 |
| Delaware County Ohio | 4 | $ 1,490,000 | $ 372,000 | $ 123,000 |
| Fayette County Ohio | 4 | $ 680,000 | $ 170,000 | $ 39,000 |
| Knox County Ohio | 4 | $ 620,000 | $ 155,000 | $ 54,000 |
| Sherman County Texas | 4 | $ 330,000 | $ 82,000 | $ 53,000 |
| Utah County Utah | 4 | $ 1,200,000 | $ 300,000 | $ 71,000 |
| Larimer County Colorado | 3 | $ 1,015,000 | $ 338,000 | $ 100,000 |
| Pinellas County Florida | 3 | $ 1,075,000 | $ 358,000 | $ 80,000 |
| Polk County Florida | 3 | $ 495,000 | $ 165,000 | $ 39,000 |
| Alpena County Michigan | 3 | $ 315,000 | $ 105,000 | $ 43,000 |
| Charlevoix County Michigan | 3 | $ 555,000 | $ 185,000 | $ 73,000 |
| Montcalm County Michigan | 3 | $ 645,000 | $ 215,000 | $ 90,000 |
| Montmorency County Michigan | 3 | $ 425,000 | $ 141,000 | $ 75,000 |
| Otsego County Michigan | 3 | $ 485,000 | $ 161,000 | $ 57,000 |
| Middlesex County New Jersey | 3 | $ 1,225,000 | $ 408,000 | $ 194,000 |
| Belmont County Ohio | 3 | $ 455,000 | $ 151,000 | $ 46,000 |
| Coshocton County Ohio | 3 | $ 335,000 | $ 111,000 | $ 33,000 |
| Morgan County Ohio | 3 | $ 445,000 | $ 148,000 | $ 59,000 |
| Ellis County Texas | 3 | $ 1,145,000 | $ 381,000 | $ 67,000 |
| Cache County Utah | 3 | $ 675,000 | $ 225,000 | $ 97,000 |
| Charlotte County Florida | 2 | $ 250,000 | $ 125,000 | $ 63,000 |
| Benzie County Michigan | 2 | $ 280,000 | $ 140,000 | $ 58,000 |
| Kalamazoo County Michigan | 2 | $ 320,000 | $ 160,000 | $ 75,000 |
| Presque Isle County Michigan | 2 | $ 440,000 | $ 220,000 | $ 86,000 |
| Van Buren County Michigan | 2 | $ 390,000 | $ 195,000 | $ 40,000 |
| Hudson County New Jersey | 2 | $ 450,000 | $ 225,000 | $ 128,000 |
| Warren County New Jersey | 2 | $ 980,000 | $ 490,000 | $ 181,000 |
| Clark County Ohio | 2 | $ 680,000 | $ 340,000 | $ 146,000 |
| Madison County Ohio | 2 | $ 280,000 | $ 140,000 | $ 50,000 |
| Montgomery County Ohio | 2 | $ 540,000 | $ 270,000 | $ 79,000 |
| Sandusky County Ohio | 2 | $ 260,000 | $ 130,000 | $ 54,000 |
| Union County Ohio | 2 | $ 670,000 | $ 335,000 | $ 66,000 |
| Vinton County Ohio | 2 | $ 350,000 | $ 175,000 | $ 69,000 |
| Atascosa County Texas | 2 | $ 620,000 | $ 310,000 | $ 77,000 |
| Bell County Texas | 2 | $ 560,000 | $ 280,000 | $ 277,000 |
| Deaf Smith County Texas | 2 | $ 200,000 | $ 100,000 | $ 48,000 |
| Grayson County Texas | 2 | $ 660,000 | $ 330,000 | $ 107,000 |
| Hays County Texas | 2 | $ 640,000 | $ 320,000 | $ 190,000 |
| Hood County Texas | 2 | $ 710,000 | $ 355,000 | $ 204,000 |
| Jefferson County Texas | 2 | $ 410,000 | $ 205,000 | $ 193,000 |
| Kaufman County Texas | 2 | $ 740,000 | $ 370,000 | $ 143,000 |
| Rockwall County Texas | 2 | $ 790,000 | $ 395,000 | $ 158,000 |
| Waller County Texas | 2 | $ 920,000 | $ 460,000 | $ 174,000 |
| Carbon County Utah | 2 | $ 250,000 | $ 125,000 | $ 66,000 |
| Garfield County Utah | 2 | $ 260,000 | $ 130,000 | $ 52,000 |
| Morgan County Utah | 2 | $ 760,000 | $ 380,000 | $ 89,000 |
| Summit County Utah | 2 | $ 1,340,000 | $ 670,000 | $ 128,000 |
| Uintah County Utah | 2 | $ 140,000 | $ 70,000 | $ 36,000 |
| Custer County Colorado | 1 | $ 135,000 | $ 135,000 | $ 95,000 |
| Eagle County Colorado | 1 | $ 475,000 | $ 475,000 | $ 198,000 |
| Gilpin County Colorado | 1 | $ 545,000 | $ 545,000 | $ 200,000 |
| Gunnison County Colorado | 1 | $ 385,000 | $ 385,000 | $ 64,000 |
| Huerfano County Colorado | 1 | $ 515,000 | $ 515,000 | $ 239,000 |
| La Plata County Colorado | 1 | $ 325,000 | $ 325,000 | $ 126,000 |
| Routt County Colorado | 1 | $ 545,000 | $ 545,000 | $ 145,000 |
| Brevard County Florida | 1 | $ 315,000 | $ 315,000 | $ 95,000 |
| Collier County Florida | 1 | $ 435,000 | $ 435,000 | $ 742,000 |
| Escambia County Florida | 1 | $ 185,000 | $ 185,000 | $ 70,000 |
| Hendry County Florida | 1 | $ 205,000 | $ 205,000 | $ 101,000 |
| Lake County Florida | 1 | $ 195,000 | $ 195,000 | $ 98,000 |
| Leon County Florida | 1 | $ 115,000 | $ 115,000 | $ 25,000 |
| Manatee County Florida | 1 | $ 195,000 | $ 195,000 | $ 55,000 |
| Okaloosa County Florida | 1 | $ 465,000 | $ 465,000 | $ 371,000 |
| Putnam County Florida | 1 | $ 135,000 | $ 135,000 | $ 51,000 |
| Santa Rosa County Florida | 1 | $ 325,000 | $ 325,000 | $ 149,000 |
| St. Johns County Florida | 1 | $ 395,000 | $ 395,000 | $ 125,000 |
| Bannock County Idaho | 1 | $ 465,000 | $ 465,000 | $ 212,000 |
| Chippewa County Michigan | 1 | $ 205,000 | $ 205,000 | $ 96,000 |
| Hillsdale County Michigan | 1 | $ 255,000 | $ 255,000 | $ 56,000 |
| Houghton County Michigan | 1 | $ 165,000 | $ 165,000 | $ 157,000 |
| Leelanau County Michigan | 1 | $ 515,000 | $ 515,000 | $ 256,000 |
| Newaygo County Michigan | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Oceana County Michigan | 1 | $ 265,000 | $ 265,000 | $ 132,000 |
| Oscoda County Michigan | 1 | $ 165,000 | $ 165,000 | $ 59,000 |
| Hunterdon County New Jersey | 1 | $ 345,000 | $ 345,000 | $ 225,000 |
| Passaic County New Jersey | 1 | $ 235,000 | $ 235,000 | $ 337,000 |
| Ashtabula County Ohio | 1 | $ 125,000 | $ 125,000 | $ 152,000 |
| Butler County Ohio | 1 | $ 135,000 | $ 135,000 | $ 54,000 |
| Crawford County Ohio | 1 | $ 155,000 | $ 155,000 | $ 84,000 |
| Cuyahoga County Ohio | 1 | $ 445,000 | $ 445,000 | $ 340,000 |
| Erie County Ohio | 1 | $ 85,000 | $ 85,000 | $ 38,000 |
| Greene County Ohio | 1 | $ 275,000 | $ 275,000 | $ 130,000 |
| Marion County Ohio | 1 | $ 235,000 | $ 235,000 | $ 74,000 |
| Monroe County Ohio | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| Morrow County Ohio | 1 | $ 145,000 | $ 145,000 | $ 94,000 |
| Noble County Ohio | 1 | $ 155,000 | $ 155,000 | $ 45,000 |
| Richland County Ohio | 1 | $ 125,000 | $ 125,000 | $ 22,000 |
| Seneca County Ohio | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Warren County Ohio | 1 | $ 295,000 | $ 295,000 | $ 145,000 |
| Washington County Ohio | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| Dickson County Tennessee | 1 | $ 375,000 | $ 375,000 | $ 85,000 |
| Williamson County Tennessee | 1 | $ 475,000 | $ 475,000 | $ 101,000 |
| Bexar County Texas | 1 | $ 385,000 | $ 385,000 | $ 215,000 |
| Fort Bend County Texas | 1 | $ 355,000 | $ 355,000 | $ 150,000 |
| Galveston County Texas | 1 | $ 335,000 | $ 335,000 | $ 91,000 |
| Hill County Texas | 1 | $ 315,000 | $ 315,000 | $ 144,000 |
| Hopkins County Texas | 1 | $ 195,000 | $ 195,000 | $ 55,000 |
| Hunt County Texas | 1 | $ 245,000 | $ 245,000 | $ 104,000 |
| Johnson County Texas | 1 | $ 355,000 | $ 355,000 | $ 194,000 |
| Lampasas County Texas | 1 | $ 415,000 | $ 415,000 | $ 85,000 |
| McLennan County Texas | 1 | $ 165,000 | $ 165,000 | $ 359,000 |
| Medina County Texas | 1 | $ 395,000 | $ 395,000 | $ 81,000 |
| Midland County Texas | 1 | $ 405,000 | $ 405,000 | $ 156,000 |
| Montgomery County Texas | 1 | $ 355,000 | $ 355,000 | $ 108,000 |
| Taylor County Texas | 1 | $ 225,000 | $ 225,000 | $ 59,000 |
| Williamson County Texas | 1 | $ 455,000 | $ 455,000 | $ 82,000 |
| Wilson County Texas | 1 | $ 545,000 | $ 545,000 | $ 82,000 |
| Wise County Texas | 1 | $ 545,000 | $ 545,000 | $ 227,000 |
| Tooele County Utah | 1 | $ 425,000 | $ 425,000 | $ 104,000 |
| Washington County Utah | 1 | $ 515,000 | $ 515,000 | $ 239,000 |
| Chesterfield County Virginia | 1 | $ 545,000 | $ 545,000 | $ 218,000 |
| Fairfax County Virginia | 1 | $ 705,000 | $ 705,000 | $ 125,000 |
| Virginia Beach County Virginia | 1 | $ 235,000 | $ 235,000 | $ 304,000 |
Mortgage Loan Application Detail Totals for J. Virgil, Inc. in 2021
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 | 2,909 | $606,975,000 | $208,000 | $2,165,000 | $80,000 | $1,050,000 |
| Refinancing | 1,137 | $255,475,000 | $224,000 | $1,485,000 | $96,000 | $1,205,000 |
| Home Improvement | 579 | $122,845,000 | $212,000 | $1,785,000 | $91,000 | $843,000 |
| Cash-out Refinancing | 19 | $5,355,000 | $281,000 | $545,000 | $97,000 | $209,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 4,022 | $852,840,000 | $212,000 | $2,165,000 | $86,000 | $1,205,000 |
| Hispanic | 263 | $58,645,000 | $222,000 | $595,000 | $73,000 | $381,000 |
| Black or African American | 204 | $38,620,000 | $189,000 | $825,000 | $78,000 | $682,000 |
| Asian | 65 | $16,325,000 | $251,000 | $785,000 | $105,000 | $488,000 |
| Not Provided | 61 | $16,725,000 | $274,000 | $645,000 | $110,000 | $480,000 |
| American Indian or Alaskan Native | 17 | $3,145,000 | $185,000 | $395,000 | $74,000 | $275,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $2,680,000 | $446,000 | $925,000 | $153,000 | $576,000 |
| 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) | 3,042 | $689,780,000 | $226,000 | $2,165,000 | $99,000 | $1,205,000 |
| FHA-insured (Federal Housing Administration) | 1,024 | $188,530,000 | $184,000 | $575,000 | $60,000 | $291,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 354 | $55,120,000 | $155,000 | $435,000 | $47,000 | $101,000 |
| VA-guaranteed (Veterans Administration) | 224 | $57,220,000 | $255,000 | $675,000 | $66,000 | $222,000 |
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 | 3,635 | $771,505,000 | $212,000 | $2,165,000 | $85,000 | $1,205,000 |
| Application Withdrawn By Applicant | 956 | $208,500,000 | $218,000 | $1,785,000 | $87,000 | $894,000 |
| Application Denied By Financial Institution | 32 | $6,540,000 | $204,000 | $505,000 | $64,000 | $253,000 |
| File Closed For Incompleteness | 19 | $3,775,000 | $198,000 | $365,000 | $75,000 | $134,000 |
| Application Approved But Not Accepted | 2 | $330,000 | $165,000 | $275,000 | $73,000 | $129,000 |
| 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 | 4,612 | $984,110,000 | $213,000 | $2,165,000 | $85,000 | $1,205,000 |
| Debt-To-Income Ratio | 16 | $3,890,000 | $243,000 | $505,000 | $76,000 | $253,000 |
| Credit History | 6 | $930,000 | $155,000 | $225,000 | $54,000 | $98,000 |
| Employment History | 5 | $935,000 | $187,000 | $275,000 | $40,000 | $65,000 |
| Collateral | 5 | $785,000 | $157,000 | $305,000 | $61,000 | $108,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into J. Virgil, Inc.'s 2021 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.
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