# 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

## 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 |

## 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.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**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

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