J. Virgil Mortgage Rates, Fees & Info

FENTON, MI

LEI: 549300K3VE61PXPZDV51

Tax ID: 38-3434023

4 stars - out of 5 stars, based on 60 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    J. Virgil is a smaller mortgage company specializing in Home Purchase and Refi loans. J. Virgil has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Flint, Detroit, Denver, Columbus, and Miami among others. We have data for 100 markets. (Some data included below & more in-depth data is available with an active subscription.)

    J. Virgil has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. J. Virgil is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 1/29/23
    30 Year Conventional Purchase 6.88% 1/29/23
    30 Year Conventional Refi 6.53% 1/29/23
    30 Year Cash-out Refi 6.76% 1/29/23
    30 Year FHA Purchase 7.76% 1/29/23
    30 Year FHA Refi 7.22% 1/29/23
    30 Year VA Purchase 6.61% 1/29/23
    30 Year VA Refi 6.15% 1/29/23
    30 Year USDA Purchase 7.17% 1/29/23
    30 Year USDA Refi 6.70% 1/29/23
    15 Year Conventional Purchase 6.28% 1/29/23
    15 Year Conventional Refi 6.11% 1/29/23
    15 Year Cash-out Refi 6.11% 1/29/23
    15 Year FHA Refi 7.55% 1/29/23
    15 Year VA Refi 5.72% 1/29/23
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    3,635

    Origination Dollar Volume (All Markets)

    $771,505,000
    Show all (5) awards

    Relative Rate

    J. Virgil's average 30 year fixed mortgage rate was 3.22%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 0.07%.

    Relative Fees (Closing Costs)

    J. Virgil's average total fees/closing costs for a 30 year fixed rate mortgage were $5,527.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    FLINT, MI (FHA|USDA|VA) 946 $161,890,000 $171,131 $5,037 3.20%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 633 $125,535,000 $198,318 $4,835 3.17%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 259 $100,625,000 $388,514 $4,893 2.95%
    COLUMBUS, OH (FHA|USDA|VA) 367 $68,125,000 $185,627 $5,852 3.25%
    Outside of Metro Areas 268 $38,560,000 $143,881 $5,102 3.27%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 115 $36,135,000 $314,217 $5,994 3.09%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 129 $33,915,000 $262,907 $6,478 3.10%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 78 $24,490,000 $313,974 $7,941 3.12%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 110 $18,670,000 $169,727 $5,455 3.25%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 61 $14,325,000 $234,836 $3,884 3.09%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 30 $13,400,000 $446,667 $5,536 2.73%
    Cadillac, MI (FHA|USDA|VA) 77 $11,475,000 $149,026 $6,322 3.21%
    SAGINAW, MI (FHA|USDA|VA) 77 $11,355,000 $147,468 $5,318 3.32%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 39 $10,815,000 $277,308 $5,674 3.12%
    Zanesville, OH (FHA|USDA|VA) 51 $8,205,000 $160,882 $5,837 3.33%
    Traverse City, MI (FHA|USDA|VA) 29 $6,455,000 $222,586 $7,673 3.03%
    GREELEY, CO (FHA|USDA|VA) 17 $6,115,000 $359,706 $6,467 2.81%
    AMARILLO, TX (FHA|USDA|VA) 34 $5,460,000 $160,588 $6,895 3.33%
    BOULDER, CO (FHA|USDA|VA) 10 $5,320,000 $532,000 $9,443 2.70%
    Dumas, TX (FHA|USDA|VA) 25 $4,555,000 $182,200 $6,704 3.58%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 14 $3,910,000 $279,286 $6,179 3.16%
    ANN ARBOR, MI (FHA|USDA|VA) 14 $3,560,000 $254,286 $5,321 3.24%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 10 $3,310,000 $331,000 $4,106 2.91%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 10 $2,810,000 $281,000 $6,252 3.05%
    SALT LAKE CITY, UT (FHA|USDA|VA) 10 $2,650,000 $265,000 $6,822 3.28%
    Cambridge, OH (FHA|USDA|VA) 13 $2,425,000 $186,538 $6,558 3.46%
    MIDLAND, MI (FHA|USDA|VA) 12 $2,420,000 $201,667 $4,672 3.19%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 5 $2,055,000 $411,000 $6,726 2.83%
    Breckenridge, CO (FHA|USDA|VA) 4 $2,050,000 $512,500 $8,608 2.75%
    Athens, OH (FHA|USDA|VA) 13 $1,975,000 $151,923 $4,921 3.38%
    BAY CITY, MI (FHA|USDA|VA) 14 $1,800,000 $128,571 $4,956 3.27%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 5 $1,795,000 $359,000 $8,362 3.03%
    MONROE, MI (FHA|USDA|VA) 7 $1,645,000 $235,000 $5,749 3.23%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $1,645,000 $329,000 $4,910 3.33%
    Chillicothe, OH (FHA|USDA|VA) 8 $1,640,000 $205,000 $7,338 3.22%
    Holland, MI (FHA|USDA|VA) 7 $1,465,000 $209,286 $6,225 3.13%
    Heber, UT (FHA|USDA|VA) 2 $1,340,000 $670,000 $8,501 2.94%
    PROVO-OREM, UT (FHA|USDA|VA) 4 $1,200,000 $300,000 $6,963 3.44%
    FORT COLLINS, CO (FHA|USDA|VA) 3 $1,015,000 $338,333 $5,488 2.54%
    Cañon City, CO (FHA|USDA|VA) 4 $960,000 $240,000 $8,937 3.44%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $930,000 $465,000 $9,778 3.31%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 4 $910,000 $227,500 $3,986 3.03%
    Big Rapids, MI (FHA|USDA|VA) 7 $895,000 $127,857 $5,511 3.34%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 2 $850,000 $425,000 $5,914 3.19%
    Mount Pleasant, MI (FHA|USDA|VA) 5 $815,000 $163,000 $6,266 3.30%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 3 $815,000 $271,667 $6,252 3.13%
    PUEBLO, CO (FHA|USDA|VA) 4 $810,000 $202,500 $5,151 2.97%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $705,000 $705,000 $6,414 3.38%
    LOGAN, UT-ID (FHA|USDA|VA) 3 $675,000 $225,000 $5,791 3.04%
    Ludington, MI (FHA|USDA|VA) 4 $650,000 $162,500 $5,504 3.00%
    MUSKEGON, MI (FHA|USDA|VA) 5 $615,000 $123,000 $2,909 3.13%
    Adrian, MI (FHA|USDA|VA) 4 $600,000 $150,000 $3,642 3.13%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $565,000 $188,333 $3,634 3.04%
    RICHMOND, VA (FHA|USDA|VA) 1 $545,000 $545,000 $3,634 2.38%
    Steamboat Springs, CO (FHA|USDA|VA) 1 $545,000 $545,000 $3,878 2.50%
    JACKSON, MI (FHA|USDA|VA) 3 $525,000 $175,000 $7,630 3.46%
    ST. GEORGE, UT (FHA|USDA|VA) 1 $515,000 $515,000 $8,318 2.88%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $510,000 $255,000 $4,149 3.19%
    Mount Vernon, OH (FHA|USDA|VA) 3 $505,000 $168,333 $5,950 3.00%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $495,000 $165,000 $3,816 2.75%
    Edwards, CO (FHA|USDA|VA) 1 $475,000 $475,000 $4,577 3.00%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $475,000 $475,000 $7,376 3.50%
    POCATELLO, ID (FHA|USDA|VA) 1 $465,000 $465,000 $7,626 2.88%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $465,000 $465,000 $4,329 3.00%
    Washington Court House, OH (FHA|USDA|VA) 3 $445,000 $148,333 $6,214 3.21%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $445,000 $445,000 $3,961 2.25%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $435,000 $435,000 $6,311 2.88%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $430,000 $215,000 $5,470 3.63%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $425,000 $425,000 $6,187 3.63%
    Granbury, TX (FHA|USDA|VA) 1 $395,000 $395,000 $13,633 3.88%
    Durango, CO (FHA|USDA|VA) 1 $325,000 $325,000 $3,328 2.88%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 2 $320,000 $160,000 $3,161 2.88%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $315,000 $315,000 $4,630 3.25%
    Alpena, MI (FHA|USDA|VA) 3 $315,000 $105,000 $4,838 3.38%
    BATTLE CREEK, MI (FHA|USDA|VA) 2 $300,000 $150,000 $3,435 3.25%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $275,000 $275,000 $4,617 2.63%
    WHEELING, WV-OH (FHA|USDA|VA) 2 $270,000 $135,000 $6,303 3.19%
    Fremont, OH (FHA|USDA|VA) 2 $260,000 $130,000 $4,807 3.44%
    Hillsdale, MI (FHA|USDA|VA) 1 $255,000 $255,000 $11,009 2.75%
    Alma, MI (FHA|USDA|VA) 3 $255,000 $85,000 $5,670 3.17%
    PUNTA GORDA, FL (FHA|USDA|VA) 2 $250,000 $125,000 $3,669 3.25%
    OCALA, FL (FHA|USDA|VA) 2 $250,000 $125,000 $6,145 3.94%
    Price, UT (FHA|USDA|VA) 2 $250,000 $125,000 $5,702 4.00%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $245,000 $245,000 $10,968 3.50%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $235,000 $235,000 $3,081 2.13%
    Marion, OH (FHA|USDA|VA) 1 $235,000 $235,000 $7,793 2.75%
    ABILENE, TX (FHA|USDA|VA) 1 $225,000 $225,000 $9,785 3.75%
    Sault Ste. Marie, MI (FHA|USDA|VA) 1 $205,000 $205,000 $3,396 2.88%
    Clewiston, FL (FHA|USDA|VA) 1 $205,000 $205,000 $4,515 3.25%
    Sulphur Springs, TX (FHA|USDA|VA) 1 $195,000 $195,000 $7,991 3.13%
    WACO, TX (FHA|USDA|VA) 1 $165,000 $165,000 $4,259 2.88%
    Houghton, MI (FHA|USDA|VA) 1 $165,000 $165,000 $3,151 3.38%
    Bucyrus-Galion, OH (FHA|USDA|VA) 1 $155,000 $155,000 $4,745 3.50%
    Vernal, UT (FHA|USDA|VA) 2 $140,000 $70,000 $3,166 3.50%
    SPRINGFIELD, OH (FHA|USDA|VA) 1 $135,000 $135,000 $6,870 3.63%
    MANSFIELD, OH (FHA|USDA|VA) 1 $125,000 $125,000 $3,734 3.38%
    Marietta, OH (FHA|USDA|VA) 1 $125,000 $125,000 $8,226 3.75%
    Tiffin, OH (FHA|USDA|VA) 1 $105,000 $105,000 $5,376 2.75%
    Coshocton, OH (FHA|USDA|VA) 1 $95,000 $95,000 $6,088 3.63%
    Hereford, TX (FHA|USDA|VA) 1 $85,000 $85,000 $6,543 2.75%
    J. Virgil's top markets include Flint, Detroit, Denver, Columbus, and Miami among others.

    Their top states include:
  • Michigan (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against J. VIRGIL based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    N C P D Federal Credit Union
    Similarity Rank: 102
    The Community Bank
    Similarity Rank: 117
    1st State Financial, Ltd.
    Similarity Rank: 154
    DADE COUNTY FEDERAL CREDIT UNION
    Similarity Rank: 167
    JOLT CREDIT UNION
    Similarity Rank: 168
    Lake Huron Credit Union
    Similarity Rank: 204
    HOMETRUST MORTGAGE COMPANY
    Similarity Rank: 228
    UNITED FINANCIAL Credit Union
    Similarity Rank: 270
    St James Mortgage Corporation
    Similarity Rank: 304

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,382 $539,510,000 $226,495 $4,227 3.17%
    FHA 778 $140,810,000 $180,990 $8,225 3.25%
    USDA 296 $46,050,000 $155,574 $6,580 3.14%
    VA 169 $43,555,000 $257,722 $6,719 3.01%
    FHA 3 $365,000 $121,667 $0 3.17%
    HELOC 3 $495,000 $165,000 n/a 3.29%
    HELOC 2 $450,000 $225,000 n/a 3.06%
    USDA 1 $115,000 $115,000 $0 3.00%
    Reverse Mortgage 1 $155,000 $155,000 $0 3.38%

    For 2021, J. Virgil's most frequently originated type of loan was Conventional, with 2,382 originations. Their 2nd most popular type was FHA, with 778 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,331 $483,735,000 $207,523 $5,938 3.27%
    Refi 825 $186,675,000 $226,273 $4,351 2.90%
    Home Improvement 469 $98,215,000 $209,414 $4,531 3.19%
    Cash Out Refi 10 $2,880,000 $288,000 $5,126 3.40%

    For 2021, J. Virgil's most frequently cited loan purpose was Home Purchase, with 2,331 originations. The 2nd most popular reason was Refi, with 825 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,342 $714,290,000 $213,731 $5,527 3.22%
    15 Year 193 $35,535,000 $184,119 $3,721 2.61%
    20 Year 67 $14,965,000 $223,358 $4,367 3.00%
    Other 25 $5,225,000 $209,000 $3,551 3.00%
    10 Year 8 $1,490,000 $186,250 $3,323 2.36%

    For 2021, J. Virgil's most frequently cited loan duration was 30 Year, with 3,342 originations. The 2nd most popular length was 15 Year, with 193 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,794 $402,770,000 $224,509
    $2k-3k 791 $123,175,000 $155,721
    $3k-4k 610 $122,010,000 $200,016
    $4k-5k 201 $53,395,000 $265,647
    $5k+ 125 $48,315,000 $386,520
    $<1k 103 $20,175,000 $195,874

    J. Virgil's average total fees were $5,527, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,794 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 2,105 $420,395,000 $199,713
    2.5-3% 1,135 $262,255,000 $231,062
    <2.5% 297 $75,205,000 $253,215
    4-5% 92 $13,550,000 $147,283
    5-6% 6 $100,000 $16,667

    During 2021, J. Virgil's average interest rate for loans was 3.22%, while their most frequently originated rate bucket for loans was 3-4%, with 2,105 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,712 $254,730,000 $148,791 $5,055 3.21%
    $200k-400k 1,193 $326,055,000 $273,307 $6,032 3.12%
    $100,000 or less 417 $31,205,000 $74,832 $3,780 3.36%
    $400k-600k 285 $135,375,000 $475,000 $6,445 2.96%
    $600k-1MM 25 $19,515,000 $780,600 $11,564 3.08%
    $1MM+ 3 $4,625,000 $1,541,667 $15,979 2.92%

    2021 saw J. Virgil place emphasis on $100k-200k loans with 1,712 originations, totaling $254,730,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 1,053 $140,015,000 $132,968 $5,088 3.21%
    $50k-75k 1,045 $193,255,000 $184,933 $5,478 3.24%
    $100k-150k 598 $163,760,000 $273,846 $5,315 3.13%
    $75k-100k 587 $137,685,000 $234,557 $5,677 3.16%
    $150k-250k 263 $94,525,000 $359,411 $5,398 3.04%
    $250k+ 79 $39,135,000 $495,380 $6,916 2.89%

    J. Virgil lent most frequently to those with incomes in the $50k or less range, with 1,053 originations. The second most popular income band? $50k-75k, with 1,045 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 806 $169,550,000 $210,360 $4,644 3.14%
    30-36% 734 $153,630,000 $209,305 $5,351 3.22%
    <20% 279 $59,175,000 $212,097 $4,280 3.00%
    50-60% 193 $37,635,000 $195,000 $8,112 3.25%
    42% 142 $30,890,000 $217,535 $5,460 3.20%
    43% 138 $30,690,000 $222,391 $5,122 3.22%
    37% 135 $27,625,000 $204,630 $5,713 3.22%
    39% 133 $27,145,000 $204,098 $5,541 3.22%
    44% 130 $29,690,000 $228,385 $6,010 3.22%
    40% 129 $29,195,000 $226,318 $5,541 3.20%
    36% 127 $26,205,000 $206,339 $5,481 3.23%
    41% 125 $26,335,000 $210,680 $5,611 3.30%
    38% 113 $24,875,000 $220,133 $5,681 3.23%
    45% 105 $25,325,000 $241,190 $6,070 3.20%
    49% 91 $19,545,000 $214,780 $5,840 3.17%
    47% 79 $14,855,000 $188,038 $5,800 3.12%
    46% 79 $16,855,000 $213,354 $5,684 3.18%
    48% 69 $16,075,000 $232,971 $6,236 3.10%
    >60% 1 $305,000 $305,000 $11,225 2.75%

    J. Virgil lent most frequently to those with DTI ratios of 20-30%, with 806 originations. The next most common DTI ratio? 30-36%, with 734 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,382 $718,250,000 $212,374 $5,348 3.17%
    Black 149 $27,835,000 $186,812 $6,439 3.25%
    Asian 46 $10,940,000 $237,826 $5,007 3.16%
    Not provided 34 $9,220,000 $271,176 $5,701 3.32%
    American Indian 17 $2,985,000 $175,588 $5,667 3.42%
    Native Hawaiian or Islander 3 $1,375,000 $458,333 $5,079 2.63%
    Other Asian 2 $450,000 $225,000 $5,097 3.00%
    Asian Indian 1 $365,000 $365,000 $4,071 2.13%
    1 $85,000 $85,000 $0 3.63%

    Approval Rates

    Total approvals of all applications
    99.31%

    J. Virgil has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    73.65%

    J. Virgil has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,635 $771,505,000 $212,243

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    3,635 $771,505,000 $212,243

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 91 $16,015,000 $175,989 $3,740 2.83%
    40-60% 330 $66,360,000 $201,091 $3,899 2.90%
    60-80% 943 $217,495,000 $230,642 $4,367 3.13%
    80-100% 2,207 $459,185,000 $208,058 $6,062 3.24%
    Over 100% 39 $11,335,000 $290,641 $11,681 3.07%
    Under 20% 23 $795,000 $34,565 $1,017 4.48%