J. VIRGIL, INC.
J. VIRGIL, INC. received 1,067 applications in 2025 and made 831 mortgages, in 94 counties across 6 states. The median rate its borrowers got was 6.625% on a median loan of $205,000. Of 849 decisions, 18 were denials — 2.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300K3VE61PXPZDV51 |
|---|---|
| Applications received | 1,067 |
| Mortgages made | 831 |
| Denied | 18 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 218 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.5645 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 700 | 6.625% | $205,000 | 2.1% |
| Refinancing | 53 | 6.125% | $255,000 | 3.6% |
| Cash-out refinancing | 74 | 6.750% | $165,000 | 1.3% |
| Other purposes | 4 | Under 10 loans | Under 10 loans | 0.0% |
Where J. VIRGIL, INC. lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Genesee County, MI | 263 | 6.625% | 0.4% |
| Lapeer County, MI | 63 | 6.500% | 0.0% |
| Fairfield County, OH | 47 | 6.625% | 4.1% |
| Tuscola County, MI | 35 | 6.625% | 0.0% |
| Saginaw County, MI | 33 | 6.750% | 0.0% |
| Palm Beach County, FL | 31 | 6.625% | 0.0% |
| Oakland County, MI | 28 | 6.750% | 3.5% |
| Shiawassee County, MI | 20 | 6.625% | 4.8% |
| Livingston County, MI | 15 | 6.375% | 0.0% |
| Licking County, OH | 14 | 6.625% | 0.0% |
| Muskingum County, OH | 14 | 6.625% | 6.7% |
| Wexford County, MI | 13 | 6.625% | 18.8% |
| Guernsey County, OH | 13 | 6.625% | 7.1% |
| Bay County, MI | 12 | 6.625% | 0.0% |
| Wayne County, MI | 12 | 6.688% | 7.7% |
| Hocking County, OH | 12 | 7.000% | 0.0% |
| Osceola County, MI | 11 | 6.625% | 8.3% |
| Martin County, FL | 9 | Under 10 loans | 0.0% |
| St. Clair County, MI | 9 | Under 10 loans | 0.0% |
| Franklin County, OH | 9 | Under 10 loans | 10.0% |
| Macomb County, MI | 8 | Under 10 loans | 0.0% |
| Missaukee County, MI | 8 | Under 10 loans | 11.1% |
| Huron County, MI | 7 | Under 10 loans | 0.0% |
| Kent County, MI | 7 | Under 10 loans | 0.0% |
| Broward County, FL | 6 | Under 10 loans | 14.3% |
| Clinton County, MI | 6 | Under 10 loans | 0.0% |
| Grand Traverse County, MI | 6 | Under 10 loans | 14.3% |
| Ingham County, MI | 6 | Under 10 loans | 0.0% |
| Iosco County, MI | 5 | Under 10 loans | 0.0% |
| Athens County, OH | 5 | Under 10 loans | 0.0% |
| Perry County, OH | 5 | Under 10 loans | 0.0% |
| Lee County, FL | 4 | Under 10 loans | 20.0% |
| St. Lucie County, FL | 4 | Under 10 loans | 0.0% |
| Alcona County, MI | 4 | Under 10 loans | 0.0% |
| Ogemaw County, MI | 4 | Under 10 loans | 0.0% |
| Sanilac County, MI | 4 | Under 10 loans | 0.0% |
| Pickaway County, OH | 4 | Under 10 loans | 0.0% |
| Lake County, FL | 3 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 3 | Under 10 loans | 0.0% |
| Clare County, MI | 3 | Under 10 loans | 0.0% |
| Eaton County, MI | 3 | Under 10 loans | 0.0% |
| Ottawa County, MI | 3 | Under 10 loans | 0.0% |
| Somerset County, NJ | 3 | Under 10 loans | 0.0% |
| Brevard County, FL | 2 | Under 10 loans | 0.0% |
| Sarasota County, FL | 2 | Under 10 loans | 0.0% |
| Seminole County, FL | 2 | Under 10 loans | 0.0% |
| Cheboygan County, MI | 2 | Under 10 loans | 0.0% |
| Crawford County, MI | 2 | Under 10 loans | 0.0% |
| Gratiot County, MI | 2 | Under 10 loans | 0.0% |
| Manistee County, MI | 2 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.