Victoria Financial Corp. Mortgage Rates, Fees & Info

SAN GABRIEL, CA

LEI: 549300LMP5T3UBHAEI68

Tax ID: 95-4249171

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Victoria Financial Corp. is a smaller mortgage company specializing in Refi, Cash Out Refi, and Home Purchase 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 Oxnard among others. We have data for 13 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 an above 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.45% 4/21/24
    30 Year Conventional Refi 6.40% 4/21/24
    30 Year Cash-out Refi 6.59% 4/21/24
    15 Year Conventional Refi 5.61% 4/21/24
    15 Year Cash-out Refi 5.61% 4/21/24
    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






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Victoria Financial Corp.. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    703

    Origination Dollar Volume (All Markets)

    $304,385,000
    Show all (5) awards

    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) 504 $226,550,000 $449,504 $3,563 3.91%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 119 $40,225,000 $338,025 $3,499 4.13%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 25 $10,325,000 $413,000 $3,268 4.03%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 17 $10,175,000 $598,529 $4,522 3.80%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 13 $6,175,000 $475,000 $3,340 4.00%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 8 $3,970,000 $496,250 $3,213 3.80%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 9 $3,535,000 $392,778 $3,394 3.85%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 2 $1,120,000 $560,000 $3,198 4.00%
    STOCKTON, CA (FHA|USDA|VA) 2 $820,000 $410,000 $3,309 4.06%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $475,000 $475,000 $3,379 3.50%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $475,000 $475,000 $5,173 4.13%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $285,000 $285,000 $2,849 4.88%
    FRESNO, CA (FHA|USDA|VA) 1 $255,000 $255,000 $3,416 3.63%
    Victoria Financial Corp.'s top markets include Los Angeles, Riverside, San Diego, San Francisco, and Oxnard among others.

    Their top states include:
  • California (FHA|USDA|VA)

    • 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.

    MYPOINT Credit Union
    Similarity Rank: 147
    Christian Community Credit Union
    Similarity Rank: 220
    LONG BEACH CITY EMPLOYEES Federal Credit Union
    Similarity Rank: 290
    HERITAGE COMMUNITY CREDIT UNION
    Similarity Rank: 318
    SAFEAMERICA CREDIT UNION
    Similarity Rank: 368
    SOUTHLAND CREDIT UNION
    Similarity Rank: 464
    El Dorado Savings Bank, F.S.B.
    Similarity Rank: 546
    CBC Federal Credit Union
    Similarity Rank: 756
    EXCITE Credit Union
    Similarity Rank: 817
    CommonWealth Central Credit Union
    Similarity Rank: 840

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 701 $302,575,000 $431,633 $3,552 3.95%
    VA 2 $1,810,000 $905,000 $4,196 3.81%

    For 2019, Victoria Financial Corp.'s most frequently originated type of loan was Conventional, with 701 originations. Their 2nd most popular type was VA, with 2 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 406 $172,000,000 $423,645 $2,999 3.85%
    Cash Out Refi 157 $67,135,000 $427,611 $2,834 4.07%
    Home Purchase 140 $65,250,000 $466,071 $5,967 4.12%

    For 2019, Victoria Financial Corp.'s most frequently cited loan purpose was Refi, with 406 originations. The 2nd most popular reason was Cash Out Refi, with 157 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 671 $293,345,000 $437,176 $3,582 3.98%
    15 Year 24 $8,420,000 $350,833 $2,992 3.36%
    20 Year 6 $1,950,000 $325,000 $2,772 3.54%
    30+ year 2 $670,000 $335,000 $3,022 4.06%

    For 2019, Victoria Financial Corp.'s most frequently cited loan duration was 30 Year, with 671 originations. The 2nd most popular length was 15 Year, with 24 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 572 $241,050,000 $421,416
    $2k-3k 89 $42,985,000 $482,978
    $5k+ 21 $12,625,000 $601,190
    $3k-4k 10 $3,700,000 $370,000
    $4k-5k 8 $3,560,000 $445,000
    $<1k 3 $465,000 $155,000

    Victoria Financial Corp.'s average total fees were $3,582, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 572 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 437 $193,835,000 $443,558
    4-5% 251 $105,275,000 $419,422
    5-6% 9 $2,815,000 $312,778
    2.5-3% 6 $2,460,000 $410,000

    During 2019, Victoria Financial Corp.'s average interest rate for loans was 3.98%, while their most frequently originated rate bucket for loans was 3-4%, with 437 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 299 $94,165,000 $314,933 $3,294 3.97%
    $400k-600k 295 $139,905,000 $474,254 $3,481 3.89%
    $600k-1MM 94 $64,270,000 $683,723 $4,506 4.03%
    $100k-200k 12 $1,950,000 $162,500 $2,865 4.53%
    $1MM+ 3 $4,095,000 $1,365,000 $9,416 3.75%

    2019 saw Victoria Financial Corp. place emphasis on $200k-400k loans with 299 originations, totaling $94,165,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 232 $98,110,000 $422,888 $3,460 3.91%
    $150k-250k 215 $102,045,000 $474,628 $3,639 3.98%
    $75k-100k 114 $43,840,000 $384,561 $3,323 3.90%
    $250k+ 68 $37,130,000 $546,029 $4,324 4.13%
    $50k-75k 64 $20,710,000 $323,594 $3,341 3.90%
    $50k or less 9 $2,075,000 $230,556 $2,638 4.17%

    Victoria Financial Corp. lent most frequently to those with incomes in the $100k-150k range, with 232 originations. The second most popular income band? $150k-250k, with 215 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 131 $56,445,000 $430,878 $3,272 3.89%
    30-36% 130 $58,010,000 $446,231 $3,684 3.89%
    49% 44 $18,820,000 $427,727 $3,732 3.91%
    43% 38 $16,260,000 $427,895 $4,277 4.11%
    41% 34 $13,760,000 $404,706 $3,245 4.03%
    38% 32 $14,290,000 $446,563 $3,954 3.93%
    45% 29 $12,755,000 $439,828 $3,598 4.00%
    48% 29 $11,755,000 $405,345 $3,600 4.11%
    <20% 29 $10,895,000 $375,690 $3,218 4.06%
    47% 28 $11,350,000 $405,357 $3,358 3.87%
    40% 28 $14,580,000 $520,714 $3,848 3.91%
    37% 27 $11,605,000 $429,815 $3,344 3.90%
    42% 26 $11,040,000 $424,615 $3,176 3.90%
    39% 23 $11,075,000 $481,522 $3,320 3.99%
    44% 22 $9,610,000 $436,818 $3,155 4.14%
    46% 20 $7,650,000 $382,500 $3,072 3.98%
    36% 20 $8,090,000 $404,500 $4,202 3.87%
    >60% 8 $4,300,000 $537,500 $5,014 4.17%
    50-60% 5 $2,095,000 $419,000 $3,789 4.22%

    Victoria Financial Corp. lent most frequently to those with DTI ratios of 20-30%, with 131 originations. The next most common DTI ratio? 30-36%, with 130 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Asian 512 $220,260,000 $430,195 $3,559 3.95%
    White 126 $58,050,000 $460,714 $3,711 4.03%
    Not provided 40 $16,570,000 $414,250 $3,274 3.95%
    Not applicable 12 $4,450,000 $370,833 $3,366 3.67%
    Black 7 $2,735,000 $390,714 $2,837 3.73%
    Native Hawaiian or Islander 3 $1,175,000 $391,667 $2,767 3.64%
    American Indian 2 $820,000 $410,000 $2,991 4.19%
    Other Asian 1 $325,000 $325,000 $2,766 3.75%

    Approval Rates

    Total approvals of all applications
    97.49%

    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 origination
    91.32%

    Victoria Financial Corp. has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 703 $304,385,000 $432,980

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 703 $304,385,000 $432,980

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 58 $19,670,000 $339,138 $3,107 3.76%
    40-60% 178 $74,030,000 $415,899 $3,358 3.82%
    60-80% 388 $174,460,000 $449,639 $3,615 4.01%
    80-100% 70 $32,900,000 $470,000 $4,182 4.10%
    Under 20% 9 $3,325,000 $369,444 $2,743 4.19%