J. VIRGIL, INC. closing costs and rates (2024)
In 2024, J. VIRGIL, INC. originated 792 purchase mortgages at a median interest rate of 6.88% and median total closing costs of $6,007. That ranks #449 nationally by origination volume. For total closing costs among lenders with 500+ originations, J. VIRGIL, INC. ranks #281. That is $734 below the national median of $6,741. J. VIRGIL, INC. is most active in Michigan with 590 originations there.
Purchase Originations
792
Ranked #449 nationally
Median Total Costs
$6,007
−10.9% vs national ($6,741)
Median Rate
6.875%
+3.9% vs national (6.620%)
Median Origination
$2,252
Median Lender Credits
$115
Cost Rank (500+ vol.)
#281
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 418 | 6.875% | $4,751 | $2,312 |
| fha | 247 | 6.750% | $8,373 | $2,205 |
| usda | 79 | 6.875% | $6,569 | $2,144 |
| va | 48 | 6.750% | $5,729 | $2,003 |
Active states
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,447 | 6.625% | — | 8 | −$1,560 | |
| 2 | $4,489 | 7.000% | — | 8 | −$1,518 | |
| 3 | $4,602 | 6.875% | — | 42 | −$1,405 | |
| 4 | $4,987 | 6.875% | — | 9 | −$1,020 | |
| 5 | $5,050 | 6.625% | — | 9 | −$957 | |
| 6 | $5,455 | 6.875% | — | 53 | −$552 | |
| 7 | $5,540 | 7.000% | — | 9 | −$467 | |
| 8 | $5,609 | 6.625% | — | 31 | −$398 | |
| 9 | $5,621 | 6.938% | — | 10 | −$386 | |
| 10 | $5,755 | 6.750% | — | 31 | −$252 | |
| 11 | $5,798 | 6.875% | — | 9 | −$209 | |
| 12 | $5,803 | 6.750% | — | 252 | −$204 | |
| 13 | $6,325 | 6.625% | — | 24 | +$318 | |
| 14 | $6,733 | 7.062% | — | 20 | +$726 | |
| 15 | $6,834 | 6.625% | — | 33 | +$827 | |
| 16 | $7,191 | 7.250% | — | 8 | +$1,184 | |
| 17 | $7,197 | 6.938% | — | 12 | +$1,190 | |
| 18 | $7,428 | 7.125% | — | 44 | +$1,421 | |
| 19 | $7,517 | 6.938% | — | 16 | +$1,510 | |
| 20 | $8,653 | 7.250% | — | 8 | +$2,646 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, 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.