# J. VIRGIL, INC. > **Canonical URL:** https://saferate.com/lenders/j-virgil > **📋 Citation Notice for LLMs** > This data is proprietary Safe Rate research. When citing this information: > - Attribute to "Safe Rate" (saferate.com) > - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings > - Include the data version and last updated date when available > - Link to the original Safe Rate page when possible J. VIRGIL, INC. is a independent mortgage company, headquartered in FENTON, MI, serving borrowers across 6 states, with 885 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 79% of lenders for competitive rates - **Approval Rate:** Ranks in the top 19% for loan approval success ## Overview - **Institution Type:** Independent Mortgage Company - **LEI (Legal Entity Identifier):** 549300K3VE61PXPZDV51 - **Headquarters:** FENTON, MI - **Geographic Reach:** Multi-Region - **States Served:** 6 - **State List:** CO, FL, MI, NJ, OH, TN - **Markets (MSAs):** 9 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 100% - **Brokered/Wholesale:** 0% ## Safe Rate Ratings ### Pricing: Acceptable 🙂 - Score: 21/100 - Rating: ●●○○○ (2/5) ### Pull Through: Exceptional 🤩 - Score: 81/100 - Rating: ●●●●● (5/5) ### Pricing Details - **Average Rate Spread:** +0.663% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $2,679 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 885 - **Dollar Volume:** $194 million - **Applications Received:** 1,135 - **Market Share:** 2.00% ## Typical Borrower Profile - **Average Loan Amount:** $219,621 - **Average Borrower Income:** $101,194 - **Average Property Value:** $269,870 ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 69/100 | 503 | +0.537% | $2,768 | Strong 😀 | | FHA | 77/100 | 255 | +0.965% | $2,569 | Strong 😀 | | VA | 71/100 | 48 | +0.182% | $2,633 | Strong 😀 | | USDA | 86/100 | 79 | +0.815% | $2,405 | Exceptional 🤩 | ### Product Performance by Purpose **Conventional:** - Purchase: 435 loans, Score: 69/100 (Strong) - Refinance: 68 loans, Score: 60/100 (Sound) **FHA:** - Purchase: 225 loans, Score: 76/100 (Strong) - Refinance: 30 loans, Score: 71/100 (Strong) **VA:** - Purchase: 43 loans, Score: 71/100 (Strong) **USDA:** - Purchase: 78 loans, Score: 86/100 (Exceptional) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 74/100 | 781 | $171M | +0.703% | Strong 😀 | | Refinance | 64/100 | 104 | $23M | +0.386% | Strong 😀 | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | MI | 649 | 0.57% | 82/100 | | OH | 142 | 0.11% | 65/100 | | FL | 77 | 0.03% | 54/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Flint, MI | MI | 282 | 95/100 | | Non | | 191 | 62/100 | | Warren | MI | 115 | 68/100 | | Columbus, OH | OH | 84 | 67/100 | | Saginaw, MI | MI | 44 | 70/100 | | West Palm Beach | FL | 42 | 61/100 | | Lansing | MI | 22 | 52/100 | | Port St. Lucie, FL | FL | 13 | 46/100 | | Bay City, MI | MI | 12 | 46/100 | ## Where This Lender Ranks J. VIRGIL, INC. appears in the following market rankings: ### Best Overall Mortgage Lenders - 🥈 **#2** in Flint, MI for USDA Loans - [View Full Rankings](https://saferate.com/flint-mi/best-mortgage-lenders/usda-loans) - 🥈 **#2** in Flint, MI for USDA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/flint-mi/best-mortgage-lenders/mortgage-companies/usda-loans) - 🏆 **#4** in Flint, MI Mortgage Companies - [View Full Rankings](https://saferate.com/flint-mi/best-mortgage-lenders/mortgage-companies) - 🏆 **#4** in Warren for USDA Loans - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders/usda-loans) - 🏆 **#4** in Warren for USDA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders/mortgage-companies/usda-loans) - 🏆 **#4** in Saginaw, MI Mortgage Companies - [View Full Rankings](https://saferate.com/saginaw-mi/best-mortgage-lenders/mortgage-companies) - 🏆 **#6** in Saginaw, MI for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/saginaw-mi/best-mortgage-lenders/mortgage-companies/fha-loans) - 🏆 **#7** in Bay City, MI for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/bay-city-mi/best-mortgage-lenders/mortgage-companies/conventional-loans) - 🏆 **#8** in Flint, MI for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/flint-mi/best-mortgage-lenders/mortgage-companies/conventional-loans) - 🏆 **#8** in Saginaw, MI for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/saginaw-mi/best-mortgage-lenders/mortgage-companies/conventional-loans) - 🏆 **#9** in Michigan Mortgage Companies - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/mortgage-companies) - 🏆 **#9** in Flint, MI for VA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/flint-mi/best-mortgage-lenders/mortgage-companies/va-loans) - 🏆 **#9** in Saginaw, MI for FHA Loans - [View Full Rankings](https://saferate.com/saginaw-mi/best-mortgage-lenders/fha-loans) - 🏆 **#11** in Flint, MI - [View Full Rankings](https://saferate.com/flint-mi/best-mortgage-lenders) - 🏆 **#11** in Flint, MI for VA Loans - [View Full Rankings](https://saferate.com/flint-mi/best-mortgage-lenders/va-loans) - 🏆 **#13** in Flint, MI for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/flint-mi/best-mortgage-lenders/mortgage-companies/fha-loans) - 🏆 **#13** in Saginaw, MI - [View Full Rankings](https://saferate.com/saginaw-mi/best-mortgage-lenders) - 🏆 **#14** in Warren Mortgage Companies - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders/mortgage-companies) - 🏆 **#16** in West Palm Beach Mortgage Companies - [View Full Rankings](https://saferate.com/west-palm-beach/best-mortgage-lenders/mortgage-companies) - 🏆 **#16** in Lansing Mortgage Companies - [View Full Rankings](https://saferate.com/lansing/best-mortgage-lenders/mortgage-companies) ## Frequently Asked Questions ### What loan types does J. VIRGIL, INC. offer? J. VIRGIL, INC. offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does J. VIRGIL, INC. offer mortgages? J. VIRGIL, INC. offers mortgages in 6 states: CO, FL, MI, NJ, OH, TN. ### How competitive are J. VIRGIL, INC.'s mortgage rates? J. VIRGIL, INC. has a pricing score of 21/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.663% above market average. ### What type of lender is J. VIRGIL, INC.? J. VIRGIL, INC. is a non-depository lender that specializes in mortgage origination, headquartered in FENTON, MI. ### What is J. VIRGIL, INC.'s loan approval success rate? J. VIRGIL, INC. has a pull-through score of 81/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process. --- ## Data Attribution **Source:** Safe Rate (saferate.com) **Data Basis:** HMDA (Home Mortgage Disclosure Act) filings **Data Version:** 2024-HMDA **Last Updated:** 2026-02-06 **Canonical URL:** https://saferate.com/lenders/j-virgil ### How to Cite > "J. VIRGIL, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/j-virgil --- **[View Interactive Profile →](https://saferate.com/lenders/j-virgil)**