Victoria Financial Corp. Mortgage Rates, Fees & Info
SAN GABRIEL, CALEI: 549300LMP5T3UBHAEI68
Tax ID: 95-4249171
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Mortgage Data
Review & Overview
Victoria Financial Corp. is a smaller mortgage company specializing in Home Purchase and Refi loans. Victoria Financial Corp. has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Riverside, San Diego, San Francisco, and Sacramento among others. We have data for 8 markets. (Some data included below & more in-depth data is available with an active subscription.)Victoria Financial Corp. has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Victoria Financial Corp. is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.04% | 7/19/25 |
| 30 Year Conventional Refi | 6.92% | 7/19/25 |
| 30 Year Cash-out Refi | 6.72% | 7/19/25 |
| 15 Year Conventional Refi | 5.68% | 7/19/25 |
| 15 Year Cash-out Refi | 5.68% | 7/19/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Victoria Financial Corp. Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
125Origination Dollar Volume (All Markets)
$76,375,000Awards
VICTORIA FINANCIAL CORP. - 2024
VICTORIA FINANCIAL CORP. is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Victoria Financial Corp.'s average 30 year fixed mortgage rate was
6.79%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.24%.
Relative Fees (Closing Costs)
Victoria Financial Corp.'s average total fees/closing costs for a 30 year fixed rate
mortgage were $5,263.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 89 | $56,175,000 | $631,180 | $5,417 | 6.72% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 24 | $11,980,000 | $499,167 | $5,012 | 6.88% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 3 | $3,285,000 | $1,095,000 | $5,550 | 6.87% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 4 | $2,070,000 | $517,500 | $3,870 | 7.18% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 2 | $1,190,000 | $595,000 | $4,038 | 6.69% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $795,000 | $795,000 | $2,814 | 6.50% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $3,116 | 6.62% |
| REDDING, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,481 | 7.37% |
Their top states include:
Similar Lenders
We use machine learning to identify the top lenders compared against VICTORIA FINANCIAL CORP. based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 125 | $76,375,000 | $611,000 | $5,224 | 6.77% |
For 2024, Victoria Financial Corp.'s most frequently originated type of loan was Conventional, with 125 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 67 | $41,965,000 | $626,343 | $6,850 | 6.85% |
| Refi | 58 | $34,410,000 | $593,276 | $3,346 | 6.68% |
For 2024, Victoria Financial Corp.'s most frequently cited loan purpose was Home Purchase, with 67 originations. The 2nd most popular reason was Refi, with 58 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 123 | $75,155,000 | $611,016 | $5,263 | 6.79% |
| 15 Year | 2 | $1,220,000 | $610,000 | $2,869 | 5.49% |
For 2024, Victoria Financial Corp.'s most frequently cited loan duration was 30 Year, with 123 originations. The 2nd most popular length was 15 Year, with 2 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $2k-3k | 74 | $46,240,000 | $624,865 |
| $1k-2k | 50 | $29,280,000 | $585,600 |
| $3k-4k | 1 | $855,000 | $855,000 |
Victoria Financial Corp.'s average total fees were $5,263, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 74 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 82 | $52,570,000 | $641,098 |
| 7-8% | 34 | $17,980,000 | $528,824 |
| 5-6% | 8 | $5,490,000 | $686,250 |
| Over 8% | 1 | $335,000 | $335,000 |
During 2024, Victoria Financial Corp.'s average interest rate for loans was 6.79%, while their most frequently originated rate bucket for loans was 6-7%, with 82 originations.
Loan Sizing
2024 saw Victoria Financial Corp. place emphasis on $600k-1MM loans with 52 originations, totaling $37,030,000 in origination value.
Applicant Income
Victoria Financial Corp. lent most frequently to those with incomes in the $250k+ range, with 50 originations. The second most popular income band? $150k-250k, with 48 originations.
Applicant Debt to Income Ratio
Victoria Financial Corp. lent most frequently to those with DTI ratios of 20-30%, with 21 originations. The next most common DTI ratio? 49%, with 14 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.35%
Victoria Financial Corp. has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination73.60%
Victoria Financial Corp. has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 125 | $76,375,000 | $611,000 |