J. Virgil in Ohio vs the state
3.5%Denial rate-14.22 pts vs state
4.4%Decision denial rate-17.54 pts vs state
76.3%Origination rate+16.40 pts vs state
6.63%Median rate-0.25 pts vs state
0.71Rate spread (pts)+0.32 pts vs state
$75kMedian applicant income
132Loans originated
6Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 252 | 193 | 0.8% | 7.00% | #183 |
| 2024 | 211 | 158 | 3.8% | 7.00% | #210 |
| 2025 | 173 | 132 | 3.5% | 6.63% | #259 |
What J. Virgil lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most J. Virgil applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfield County | 57 | 47 | 2 | 3.5% |
| Muskingum County | 23 | 14 | 1 | 4.3% |
| Guernsey County | 18 | 13 | 1 | 5.6% |
| Licking County | 15 | 14 | 0 | 0.0% |
| Hocking County | 14 | 12 | 0 | 0.0% |
| Franklin County | 11 | 9 | 1 | 9.1% |
| Perry County | 9 | 5 | 0 | 0.0% |
| Athens County | 5 | 5 | 0 | 0.0% |
| Pickaway County | 4 | 4 | 0 | 0.0% |
| Ross County | 2 | 0 | 1 | 50.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 173 applications in 2025, of which 132 were originated and 6 denied.
3.5% of all applications, or 4.4% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans J. Virgil originated in Ohio in 2025 was 6.63%, against a statewide median of 6.88%.
About this data. Figures are J. Virgil's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology