Lender in Michigan · HMDA 2025
J. Virgil, Inc. mortgages in Michigan
J. Virgil, Inc.'s 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
J. Virgil, Inc. originated 551 owner-occupied single-family loans in Michigan from 558 completed applications.
Its median conventional purchase loan costs were $4,780 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.75% (Michigan: 6.625%).
Loans in MI
551
of 558 applications
Denial rate
1.3%
Purchase · MI 7.8%
Rate spread
+0.45 pts
Conv. · MI +0.23 pts
Loan amount
$195,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 480 | 474 | 1.3% | 6.750% | +0.45 pts | $4,780 | $195,000 |
| Refinance | 38 | 38 | 0.0% | 6.375% | +0.09 pts | $4,580 | $205,000 |
| Cash-out refinance | 40 | 39 | 2.5% | 6.625% | +0.42 pts | $4,370 | $185,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where J. Virgil, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Lapeer County | 3 | 57 | 4.5% |
| Genesee County | 4 | 247 | 4.5% |
| Tuscola County | 5 | 29 | 4.7% |
| Missaukee County | 7 | 7 | 4.2% |
| Osceola County | 8 | 8 | 3.5% |
| Wexford County | 11 | 11 | 2.4% |
| Huron County | 12 | 4 | 1.4% |
| Ogemaw County | 12 | 3 | 1.3% |
| Shiawassee County | 13 | 17 | 1.6% |
| Iosco County | 13 | 4 | 1.4% |
| Alcona County | 13 | 2 | 1.6% |
| Saginaw County | 19 | 29 | 1.3% |
| Crawford County | 22 | 2 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology