We analyzed every closed loan from J. Virgil — 885 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 8 mkts
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Things to Think About
- Rates typically 66 basis points above market average
Explore another lender or local market
Report Card
J. Virgil performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+66.3 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 503 | 56.8% | +0.537%Above | $2,768Fees | ||||
FHA Loans | 255 | 28.8% | +0.965%Above | $2,569Fees | ||||
VA Loans | 48 | 5.4% | +0.182%Above | $2,633Fees | ||||
USDA Loans | 79 | 8.9% | +0.815%Above | $2,405Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume503
Mix56.8%
Spread
+0.537%Above
Fees
$2,768Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume255
Mix28.8%
Spread
+0.965%Above
Fees
$2,569Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume48
Mix5.4%
Spread
+0.182%Above
Fees
$2,633Fees
USDA Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume79
Mix8.9%
Spread
+0.815%Above
Fees
$2,405Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 781 | 88.2% | +0.703%Above | $2,695Fees | ||||
Refinance | 104 | 11.8% | +0.386%Above | $2,572Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume781
Mix88.2%
Spread
+0.703%Above
Fees
$2,695Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume104
Mix11.8%
Spread
+0.386%Above
Fees
$2,572Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
885
Applications
1,135
Volume
$194 million
Pricing & Closing
Avg Rate Spread
+0.663%
vs. market APOR
Avg Net Fees
$2,679
Origination − Credits
Pullthrough Rate
78.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$219,621
Avg Borrower Income
$101,194
Avg Property Value
$269,870
Geographic Coverage
Geographic Performance
Metro Areas
8
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
6Northeast1
NJ
Midwest2
MIOH
South2
FLTN
West1
CO
Top Metro Areas by Place Specialization Score
Volume 282Mix 31.86% of portfolio
95/100
Exceptional
Volume 44Mix 4.97% of portfolio
70/100
Strong
Volume 115Mix 12.99% of portfolio
68/100
Strong
Volume 84Mix 9.49% of portfolio
67/100
Strong
Volume 42Mix 4.75% of portfolio
61/100
Strong
Volume 22Mix 2.49% of portfolio
52/100
Sound
Volume 13Mix 1.47% of portfolio
46/100
Sound
Volume 12Mix 1.36% of portfolio
46/100
SoundTop States by Place Specialization Score
1
MichiganState
Volume 649Mix 73.33% of portfolio
82/100
Exceptional2
OhioState
Volume 142Mix 16.05% of portfolio
65/100
Strong3
FloridaState
Volume 77Mix 8.70% of portfolio
54/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
Are you the owner of J. Virgil?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.