J. Virgil in Michigan vs the state
1.3%Denial rate-17.22 pts vs state
1.6%Decision denial rate-20.98 pts vs state
80.0%Origination rate+20.06 pts vs state
6.63%Median rate-0.13 pts vs state
0.56Rate spread (pts)+0.16 pts vs state
$82kMedian applicant income
614Loans originated
10Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,055 | 808 | 0.5% | 6.88% | #67 |
| 2024 | 868 | 691 | 2.7% | 6.75% | #80 |
| 2025 | 768 | 614 | 1.3% | 6.63% | #96 |
What J. Virgil lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most J. Virgil applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Genesee County | 326 | 263 | 1 | 0.3% |
| Lapeer County | 73 | 63 | 0 | 0.0% |
| Tuscola County | 46 | 35 | 0 | 0.0% |
| Saginaw County | 38 | 33 | 0 | 0.0% |
| Oakland County | 36 | 28 | 1 | 2.8% |
| Shiawassee County | 26 | 20 | 1 | 3.8% |
| Wexford County | 24 | 13 | 3 | 12.5% |
| Livingston County | 21 | 15 | 0 | 0.0% |
| Bay County | 17 | 12 | 0 | 0.0% |
| Wayne County | 17 | 12 | 1 | 5.9% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 768 applications in 2025, of which 614 were originated and 10 denied.
1.3% of all applications, or 1.6% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans J. Virgil originated in Michigan in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are J. Virgil's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology