J. Virgil, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
J. Virgil, Inc. 2023 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 | 1,456 |
| Total Mortgage Loan Application Amount | $288,650,000 |
| Average Mortgage Loan Application Amount | $195,000 |
| Highest Mortgage Loan Application Amount | $1,285,000 |
| Average Applicant Income | $98,250 |
| Highest Applicant Income | $1,361,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 401 | $ 68,885,000 | $ 171,000 | $ 81,000 |
| Lapeer County Michigan | 107 | $ 20,785,000 | $ 194,000 | $ 79,000 |
| Fairfield County Ohio | 90 | $ 18,020,000 | $ 200,000 | $ 82,000 |
| Saginaw County Michigan | 56 | $ 9,240,000 | $ 165,000 | $ 82,000 |
| Tuscola County Michigan | 54 | $ 9,510,000 | $ 176,000 | $ 81,000 |
| Oakland County Michigan | 46 | $ 9,640,000 | $ 209,000 | $ 100,000 |
| Palm Beach County Florida | 34 | $ 11,760,000 | $ 345,000 | $ 127,000 |
| Ingham County Michigan | 32 | $ 5,240,000 | $ 163,000 | $ 64,000 |
| Muskingum County Ohio | 32 | $ 5,790,000 | $ 180,000 | $ 67,000 |
| Shiawassee County Michigan | 27 | $ 4,605,000 | $ 170,000 | $ 67,000 |
| Perry County Ohio | 24 | $ 3,750,000 | $ 156,000 | $ 69,000 |
| Bay County Michigan | 22 | $ 3,010,000 | $ 136,000 | $ 75,000 |
| Iosco County Michigan | 22 | $ 3,180,000 | $ 144,000 | $ 87,000 |
| Wexford County Michigan | 21 | $ 3,655,000 | $ 174,000 | $ 77,000 |
| Livingston County Michigan | 20 | $ 5,530,000 | $ 276,000 | $ 120,000 |
| Macomb County Michigan | 19 | $ 4,715,000 | $ 248,000 | $ 211,000 |
| Hocking County Ohio | 18 | $ 4,300,000 | $ 238,000 | $ 106,000 |
| Weber County Utah | 18 | $ 4,550,000 | $ 252,000 | $ 98,000 |
| Wayne County Michigan | 17 | $ 2,705,000 | $ 159,000 | $ 81,000 |
| Marion County Florida | 16 | $ 3,330,000 | $ 208,000 | $ 88,000 |
| Kent County Michigan | 16 | $ 4,630,000 | $ 289,000 | $ 117,000 |
| St. Clair County Michigan | 16 | $ 2,780,000 | $ 173,000 | $ 86,000 |
| Licking County Ohio | 14 | $ 2,830,000 | $ 202,000 | $ 73,000 |
| Sanilac County Michigan | 13 | $ 1,765,000 | $ 135,000 | $ 58,000 |
| Guernsey County Ohio | 12 | $ 2,000,000 | $ 166,000 | $ 107,000 |
| Ogemaw County Michigan | 11 | $ 1,265,000 | $ 115,000 | $ 68,000 |
| Athens County Ohio | 11 | $ 1,565,000 | $ 142,000 | $ 63,000 |
| Jackson County Michigan | 10 | $ 1,550,000 | $ 155,000 | $ 71,000 |
| Missaukee County Michigan | 10 | $ 1,420,000 | $ 142,000 | $ 64,000 |
| Ottawa County Michigan | 8 | $ 1,950,000 | $ 243,000 | $ 90,000 |
| Roscommon County Michigan | 8 | $ 940,000 | $ 117,000 | $ 105,000 |
| Martin County Florida | 7 | $ 2,825,000 | $ 403,000 | $ 120,000 |
| St. Lucie County Florida | 7 | $ 2,535,000 | $ 362,000 | $ 112,000 |
| Gladwin County Michigan | 7 | $ 1,245,000 | $ 177,000 | $ 131,000 |
| Isabella County Michigan | 7 | $ 1,225,000 | $ 175,000 | $ 78,000 |
| Franklin County Ohio | 7 | $ 2,245,000 | $ 320,000 | $ 106,000 |
| Clare County Michigan | 6 | $ 760,000 | $ 126,000 | $ 111,000 |
| Osceola County Michigan | 6 | $ 1,190,000 | $ 198,000 | $ 86,000 |
| Oscoda County Michigan | 6 | $ 490,000 | $ 81,000 | $ 49,000 |
| Washtenaw County Michigan | 6 | $ 1,690,000 | $ 281,000 | $ 118,000 |
| Arapahoe County Colorado | 5 | $ 1,605,000 | $ 321,000 | $ 92,000 |
| El Paso County Colorado | 5 | $ 2,035,000 | $ 407,000 | $ 125,000 |
| Sarasota County Florida | 5 | $ 1,105,000 | $ 221,000 | $ 89,000 |
| Grand Traverse County Michigan | 5 | $ 1,475,000 | $ 295,000 | $ 82,000 |
| Huron County Michigan | 5 | $ 795,000 | $ 159,000 | $ 76,000 |
| Midland County Michigan | 5 | $ 1,125,000 | $ 225,000 | $ 86,000 |
| Somerset County New Jersey | 5 | $ 4,265,000 | $ 853,000 | $ 377,000 |
| Meigs County Ohio | 5 | $ 835,000 | $ 167,000 | $ 55,000 |
| Pickaway County Ohio | 5 | $ 1,175,000 | $ 235,000 | $ 87,000 |
| Alcona County Michigan | 4 | $ 470,000 | $ 117,000 | $ 52,000 |
| Arenac County Michigan | 4 | $ 580,000 | $ 145,000 | $ 108,000 |
| Clinton County Michigan | 4 | $ 560,000 | $ 140,000 | $ 73,000 |
| Crawford County Michigan | 4 | $ 690,000 | $ 172,000 | $ 109,000 |
| Eaton County Michigan | 4 | $ 710,000 | $ 177,000 | $ 72,000 |
| Gratiot County Michigan | 4 | $ 620,000 | $ 155,000 | $ 107,000 |
| Otsego County Michigan | 4 | $ 890,000 | $ 222,000 | $ 70,000 |
| Miami-Dade County Florida | 3 | $ 1,045,000 | $ 348,000 | $ 198,000 |
| Polk County Florida | 3 | $ 765,000 | $ 255,000 | $ 68,000 |
| Antrim County Michigan | 3 | $ 605,000 | $ 201,000 | $ 98,000 |
| Cheboygan County Michigan | 3 | $ 805,000 | $ 268,000 | $ 121,000 |
| Emmet County Michigan | 3 | $ 505,000 | $ 168,000 | $ 65,000 |
| Manistee County Michigan | 3 | $ 705,000 | $ 235,000 | $ 122,000 |
| Mecosta County Michigan | 3 | $ 605,000 | $ 201,000 | $ 76,000 |
| Muskegon County Michigan | 3 | $ 675,000 | $ 225,000 | $ 77,000 |
| Middlesex County New Jersey | 3 | $ 1,545,000 | $ 515,000 | $ 207,000 |
| Knox County Ohio | 3 | $ 525,000 | $ 175,000 | $ 77,000 |
| Ross County Ohio | 3 | $ 525,000 | $ 175,000 | $ 73,000 |
| Washington County Ohio | 3 | $ 505,000 | $ 168,000 | $ 83,000 |
| Box Elder County Utah | 3 | $ 755,000 | $ 251,000 | $ 88,000 |
| Davis County Utah | 3 | $ 935,000 | $ 311,000 | $ 112,000 |
| Denver County Colorado | 2 | $ 440,000 | $ 220,000 | $ 150,000 |
| Jefferson County Colorado | 2 | $ 490,000 | $ 245,000 | $ 67,000 |
| Broward County Florida | 2 | $ 520,000 | $ 260,000 | $ 104,000 |
| Hillsborough County Florida | 2 | $ 510,000 | $ 255,000 | $ 111,000 |
| Lake County Florida | 2 | $ 810,000 | $ 405,000 | $ 45,000 |
| Delta County Michigan | 2 | $ 330,000 | $ 165,000 | $ 83,000 |
| Houghton County Michigan | 2 | $ 800,000 | $ 400,000 | $ 253,000 |
| Ionia County Michigan | 2 | $ 600,000 | $ 300,000 | $ 104,000 |
| Kalamazoo County Michigan | 2 | $ 480,000 | $ 240,000 | $ 104,000 |
| Lake County Michigan | 2 | $ 220,000 | $ 110,000 | $ 48,000 |
| Belmont County Ohio | 2 | $ 210,000 | $ 105,000 | $ 50,000 |
| Delaware County Ohio | 2 | $ 920,000 | $ 460,000 | $ 135,000 |
| Madison County Ohio | 2 | $ 530,000 | $ 265,000 | $ 85,000 |
| Pike County Ohio | 2 | $ 510,000 | $ 255,000 | $ 118,000 |
| Stark County Ohio | 2 | $ 580,000 | $ 290,000 | $ 89,000 |
| Tarrant County Texas | 2 | $ 720,000 | $ 360,000 | $ 95,000 |
| Wise County Texas | 2 | $ 760,000 | $ 380,000 | $ 129,000 |
| Douglas County Colorado | 1 | $ 485,000 | $ 485,000 | $ 133,000 |
| Larimer County Colorado | 1 | $ 405,000 | $ 405,000 | $ 290,000 |
| Otero County Colorado | 1 | $ 445,000 | $ 445,000 | $ 136,000 |
| Pueblo County Colorado | 1 | $ 175,000 | $ 175,000 | $ 97,000 |
| Baker County Florida | 1 | $ 335,000 | $ 335,000 | $ 96,000 |
| Bay County Florida | 1 | $ 425,000 | $ 425,000 | $ 122,000 |
| Brevard County Florida | 1 | $ 145,000 | $ 145,000 | $ 102,000 |
| Collier County Florida | 1 | $ 225,000 | $ 225,000 | $ 271,000 |
| Escambia County Florida | 1 | $ 275,000 | $ 275,000 | $ 144,000 |
| Lee County Florida | 1 | $ 715,000 | $ 715,000 | $ 411,000 |
| Seminole County Florida | 1 | $ 105,000 | $ 105,000 | $ 320,000 |
| Volusia County Florida | 1 | $ 185,000 | $ 185,000 | $ 118,000 |
| Washington County Florida | 1 | $ 135,000 | $ 135,000 | $ 82,000 |
| Alpena County Michigan | 1 | $ 95,000 | $ 95,000 | $ 40,000 |
| Hillsdale County Michigan | 1 | $ 325,000 | $ 325,000 | $ 102,000 |
| Kalkaska County Michigan | 1 | $ 245,000 | $ 245,000 | $ 77,000 |
| Menominee County Michigan | 1 | $ 85,000 | $ 85,000 | $ 55,000 |
| Monroe County Michigan | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Montcalm County Michigan | 1 | $ 215,000 | $ 215,000 | $ 77,000 |
| Newaygo County Michigan | 1 | $ 195,000 | $ 195,000 | $ 77,000 |
| Oceana County Michigan | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Presque Isle County Michigan | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| St. Joseph County Michigan | 1 | $ 155,000 | $ 155,000 | $ 66,000 |
| Buncombe County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 50,000 |
| Gallia County Ohio | 1 | $ 185,000 | $ 185,000 | $ 75,000 |
| Jackson County Ohio | 1 | $ 405,000 | $ 405,000 | $ 196,000 |
| Mahoning County Ohio | 1 | $ 65,000 | $ 65,000 | $ 25,000 |
| Medina County Ohio | 1 | $ 175,000 | $ 175,000 | $ 121,000 |
| Morgan County Ohio | 1 | $ 175,000 | $ 175,000 | $ 77,000 |
| Morrow County Ohio | 1 | $ 125,000 | $ 125,000 | $ 91,000 |
| Noble County Ohio | 1 | $ 195,000 | $ 195,000 | $ 53,000 |
| Preble County Ohio | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Scioto County Ohio | 1 | $ 55,000 | $ 55,000 | $ 40,000 |
| Seneca County Ohio | 1 | $ 345,000 | $ 345,000 | $ 80,000 |
| Summit County Ohio | 1 | $ 325,000 | $ 325,000 | $ 90,000 |
| Tuscarawas County Ohio | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Union County Ohio | 1 | $ 305,000 | $ 305,000 | $ 78,000 |
| Vinton County Ohio | 1 | $ 155,000 | $ 155,000 | $ 70,000 |
| Warren County Ohio | 1 | $ 665,000 | $ 665,000 | $ 167,000 |
| Dallas County Texas | 1 | $ 395,000 | $ 395,000 | $ 172,000 |
| Cache County Utah | 1 | $ 175,000 | $ 175,000 | $ 42,000 |
| Rich County Utah | 1 | $ 505,000 | $ 505,000 | $ 217,000 |
| Salt Lake County Utah | 1 | $ 175,000 | $ 175,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for J. Virgil, Inc. in 2023
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 | 1,342 | $265,920,000 | $198,000 | $1,285,000 | $88,000 | $1,361,000 |
| Cash-out Refinancing | 56 | $10,890,000 | $194,000 | $875,000 | $92,000 | $550,000 |
| Refinancing | 46 | $9,700,000 | $210,000 | $945,000 | $100,000 | $856,000 |
| Home Improvement | 12 | $2,140,000 | $178,000 | $805,000 | $113,000 | $361,000 |
| 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 | 1,262 | $247,040,000 | $195,000 | $995,000 | $87,000 | $1,361,000 |
| Hispanic | 85 | $19,055,000 | $224,000 | $875,000 | $96,000 | $550,000 |
| Black or African American | 75 | $14,425,000 | $192,000 | $1,265,000 | $85,000 | $518,000 |
| Asian | 17 | $5,575,000 | $327,000 | $1,285,000 | $166,000 | $700,000 |
| American Indian or Alaskan Native | 10 | $1,590,000 | $159,000 | $315,000 | $95,000 | $176,000 |
| Not Provided | 5 | $745,000 | $149,000 | $215,000 | $66,000 | $116,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $220,000 | $110,000 | $115,000 | $55,000 | $55,000 |
| 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) | 797 | $163,585,000 | $205,000 | $1,285,000 | $101,000 | $1,361,000 |
| FHA-insured (Federal Housing Administration) | 466 | $85,650,000 | $183,000 | $655,000 | $72,000 | $407,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 105 | $15,725,000 | $149,000 | $305,000 | $63,000 | $105,000 |
| VA-guaranteed (Veterans Administration) | 88 | $23,690,000 | $269,000 | $665,000 | $98,000 | $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 | 1,103 | $217,005,000 | $196,000 | $1,285,000 | $87,000 | $1,361,000 |
| Application Withdrawn By Applicant | 323 | $65,205,000 | $201,000 | $1,265,000 | $92,000 | $1,358,000 |
| File Closed For Incompleteness | 22 | $4,700,000 | $213,000 | $645,000 | $138,000 | $856,000 |
| Application Denied By Financial Institution | 8 | $1,740,000 | $217,000 | $435,000 | $76,000 | $250,000 |
| 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 | 1,448 | $286,910,000 | $198,000 | $1,285,000 | $89,000 | $1,361,000 |
| Debt-To-Income Ratio | 3 | $655,000 | $218,000 | $355,000 | $53,000 | $76,000 |
| Employment History | 3 | $245,000 | $81,000 | $105,000 | $33,000 | $39,000 |
| Collateral | 2 | $840,000 | $420,000 | $435,000 | $175,000 | $250,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 2023 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.