Purchase Originations
664
Ranked #522 nationally
Median Total Costs
$6,090
−8.8% vs national ($6,680)
↑ $83 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$2,154
Median Lender Credits
$127
Cost Rank (500+ vol.)
#287
among lenders with 500+ originations
Denial Rate
1.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 367 | 6.750% | $5,005 | $2,299 |
| fha | 211 | 6.625% | $8,521 | $2,054 |
| usda | 52 | 6.500% | $6,771 | $2,089 |
| va | 34 | 6.625% | $5,858 | $1,765 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Michigan | 498 | 6.625% | $5,740 | #39 |
| Ohio | 107 | 6.625% | $7,082 | #129 |
| Florida | 53 | 6.625% | $6,872 | #318 |
| New Jersey | 6 | 7.000% | $8,087 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,298 | 6.625% | — | 10 | −$1,792 | |
| 2 | $4,735 | 6.625% | — | 7 | −$1,355 | |
| 3 | $4,945 | 6.500% | — | 11 | −$1,145 | |
| 4 | $5,136 | 6.875% | — | 25 | −$954 | |
| 5 | $5,219 | 7.000% | — | 9 | −$871 | |
| 6 | $5,531 | 6.688% | — | 30 | −$559 | |
| 7 | $5,665 | 6.625% | — | 209 | −$425 | |
| 8 | $5,671 | 6.625% | — | 54 | −$419 | |
| 9 | $6,215 | 6.625% | — | 10 | +$125 | |
| 10 | $6,227 | 6.562% | — | 8 | +$137 | |
| 11 | $6,311 | 6.688% | — | 12 | +$221 | |
| 12 | $6,384 | 6.625% | — | 37 | +$294 | |
| 13 | $6,692 | 6.625% | — | 15 | +$602 | |
| 14 | $6,872 | 6.625% | — | 25 | +$782 | |
| 15 | $6,904 | 6.750% | — | 8 | +$814 | |
| 16 | $7,009 | 6.625% | — | 12 | +$919 | |
| 17 | $7,237 | 6.625% | — | 29 | +$1,147 | |
| 18 | $8,108 | 6.625% | — | 9 | +$2,018 | |
| 19 | $8,156 | 6.562% | — | 10 | +$2,066 | |
| 20 | $8,496 | 6.625% | — | 11 | +$2,406 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | J. Virgil, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $205,000 | $335,000 | −$130,000 (−38.8%) |
| Median total closing costs | $6,090 | $7,127 | −$1,037 (−14.6%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.