J. Virgil Mortgage Rates, Fees & Info
FENTON, MILEI: 549300K3VE61PXPZDV51
Tax ID: 38-3434023
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Mortgage Data
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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 7.26% | 12/16/24 |
| 30 Year Conventional Purchase | 7.12% | 12/16/24 |
| 30 Year Conventional Refi | 6.80% | 12/16/24 |
| 30 Year Cash-out Refi | 6.98% | 12/16/24 |
| 30 Year FHA Purchase | 7.75% | 12/16/24 |
| 30 Year FHA Refi | 7.60% | 12/16/24 |
| 30 Year VA Purchase | 6.73% | 12/16/24 |
| 30 Year VA Refi | 5.91% | 12/16/24 |
| 30 Year USDA Purchase | 7.22% | 12/16/24 |
| 30 Year USDA Refi | 6.56% | 12/16/24 |
| 15 Year Conventional Purchase | 6.54% | 12/16/24 |
| 15 Year Conventional Refi | 6.42% | 12/16/24 |
| 15 Year Cash-out Refi | 6.42% | 12/16/24 |
| 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. | ||
J. Virgil Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,635Origination Dollar Volume (All Markets)
$771,505,000Awards
J. VIRGIL - 2021
J. VIRGIL is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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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% |
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.
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Product Mix
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
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
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
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
2021 saw J. Virgil place emphasis on $100k-200k loans with 1,712 originations, totaling $254,730,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications99.31%
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 origination73.65%
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 |