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
Promptness
Not enough data
—/5
No quote responses measured yet
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
2/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
503 loans · 0.54% above market
Strong
Top 40% of lenders
4/5
FHA
255 loans · 0.96% above market
Strong
Top 40% of lenders
4/5
VA
48 loans · 0.18% above market
Strong
Top 40% of lenders
4/5
USDA
79 loans · 0.81% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
781 loans · 0.70% above market
Strong
Top 40% of lenders
4/5
Refinance
104 loans · 0.39% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 markets
Strong
Top 40% of lenders
4/5
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
6Full-year 2024 · HMDALoans originated
< 100100+None
Northeast1
NJ
Midwest2
MIOH
South2
FLTN
West1
CO
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.
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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.