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

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • 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 and Cash Out 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 Oxnard among others. We have data for 16 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.

    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% 12/29/24
    30 Year Conventional Refi 6.40% 12/29/24
    30 Year Cash-out Refi 6.59% 12/29/24
    15 Year Conventional Refi 5.61% 12/29/24
    15 Year Cash-out Refi 5.61% 12/29/24
    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

    1,897

    Origination Dollar Volume (All Markets)

    $826,285,000
    Show all (11) 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) 1,397 $630,205,000 $451,113 $3,723 2.81%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 284 $101,020,000 $355,704 $3,704 2.99%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 64 $25,190,000 $393,594 $3,611 2.93%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 46 $25,150,000 $546,739 $3,610 2.74%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 42 $18,330,000 $436,429 $3,468 2.80%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 20 $10,680,000 $534,000 $3,436 2.69%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 19 $7,055,000 $371,316 $3,447 2.84%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 4 $1,870,000 $467,500 $3,383 3.03%
    VALLEJO, CA (FHA|USDA|VA) 6 $1,760,000 $293,333 $3,569 2.94%
    BAKERSFIELD, CA (FHA|USDA|VA) 4 $1,300,000 $325,000 $4,047 2.97%
    FRESNO, CA (FHA|USDA|VA) 3 $905,000 $301,667 $3,127 2.67%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $810,000 $405,000 $2,845 3.25%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $760,000 $380,000 $3,328 2.81%
    VISALIA, CA (FHA|USDA|VA) 2 $560,000 $280,000 $3,814 3.56%
    STOCKTON, CA (FHA|USDA|VA) 1 $385,000 $385,000 $3,780 2.88%
    SALINAS, CA (FHA|USDA|VA) 1 $305,000 $305,000 $3,565 2.50%
    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.

    Christian Community Credit Union
    Similarity Rank: 354
    Credence Funding Corporation
    Similarity Rank: 404
    El Dorado Savings Bank, F.S.B.
    Similarity Rank: 624
    LONG BEACH CITY EMPLOYEES Federal Credit Union
    Similarity Rank: 825
    MYPOINT Credit Union
    Similarity Rank: 924
    Chaffey Federal Credit Union
    Similarity Rank: 966
    HERITAGE COMMUNITY CREDIT UNION
    Similarity Rank: 1134
    1ST NORTHERN CALIFORNIA
    Similarity Rank: 1164
    LA Financial Federal Credit Union
    Similarity Rank: 1374
    POPA FEDERAL CREDIT UNION
    Similarity Rank: 1380

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,897 $826,285,000 $435,575 $3,700 2.84%

    For 2021, Victoria Financial Corp.'s most frequently originated type of loan was Conventional, with 1,897 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,172 $483,570,000 $412,602 $3,395 2.76%
    Cash Out Refi 532 $238,280,000 $447,895 $3,437 2.98%
    Home Purchase 192 $103,680,000 $540,000 $6,271 2.98%
    Home Improvement 1 $755,000 $755,000 $3,655 3.63%

    For 2021, Victoria Financial Corp.'s most frequently cited loan purpose was Refi, with 1,172 originations. The 2nd most popular reason was Cash Out Refi, with 532 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,625 $730,765,000 $449,702 $3,744 2.92%
    15 Year 230 $80,310,000 $349,174 $3,436 2.39%
    20 Year 30 $10,810,000 $360,333 $3,377 2.59%
    10 Year 10 $3,410,000 $341,000 $3,678 2.11%
    Other 2 $990,000 $495,000 $3,179 2.62%

    For 2021, Victoria Financial Corp.'s most frequently cited loan duration was 30 Year, with 1,625 originations. The 2nd most popular length was 15 Year, with 230 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $2k-3k 1,307 $574,675,000 $439,690
    $1k-2k 578 $244,170,000 $422,439
    $5k+ 5 $3,655,000 $731,000
    $<1k 3 $1,595,000 $531,667
    $3k-4k 3 $1,445,000 $481,667
    $4k-5k 1 $745,000 $745,000

    Victoria Financial Corp.'s average total fees were $3,744, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 1,307 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 906 $415,120,000 $458,190
    <2.5% 515 $218,085,000 $423,466
    3-4% 466 $187,600,000 $402,575
    4-5% 10 $5,480,000 $548,000

    During 2021, Victoria Financial Corp.'s average interest rate for loans was 2.92%, while their most frequently originated rate bucket for loans was 2.5-3%, with 906 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 801 $246,475,000 $307,709 $3,449 2.86%
    $400k-600k 791 $388,335,000 $490,942 $3,741 2.79%
    $600k-1MM 247 $178,545,000 $722,854 $4,446 2.88%
    $100k-200k 55 $9,415,000 $171,182 $3,374 3.07%
    $1MM+ 3 $3,515,000 $1,171,667 $3,966 3.58%

    2021 saw Victoria Financial Corp. place emphasis on $200k-400k loans with 801 originations, totaling $246,475,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 614 $288,540,000 $469,935 $3,755 2.87%
    $100k-150k 593 $252,255,000 $425,388 $3,647 2.79%
    $75k-100k 287 $111,615,000 $388,902 $3,664 2.79%
    $250k+ 235 $121,575,000 $517,340 $3,856 3.00%
    $50k-75k 138 $44,360,000 $321,449 $3,547 2.80%
    $50k or less 30 $7,940,000 $264,667 $3,421 2.94%

    Victoria Financial Corp. lent most frequently to those with incomes in the $150k-250k range, with 614 originations. The second most popular income band? $100k-150k, with 593 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 412 $172,900,000 $419,660 $3,554 2.79%
    30-36% 369 $162,335,000 $439,932 $3,671 2.80%
    <20% 138 $57,970,000 $420,072 $3,525 2.78%
    49% 86 $35,370,000 $411,279 $3,789 2.91%
    48% 85 $37,435,000 $440,412 $3,892 2.92%
    43% 81 $37,655,000 $464,877 $4,039 2.88%
    36% 78 $35,490,000 $455,000 $3,709 2.84%
    44% 74 $33,000,000 $445,946 $3,751 2.94%
    41% 72 $31,440,000 $436,667 $3,774 2.94%
    40% 71 $32,595,000 $459,085 $3,763 2.86%
    42% 67 $29,835,000 $445,299 $3,951 2.89%
    38% 65 $26,905,000 $413,923 $3,791 2.89%
    39% 64 $27,360,000 $427,500 $3,468 2.81%
    47% 60 $26,850,000 $447,500 $3,668 2.83%
    46% 59 $26,225,000 $444,492 $4,021 2.86%
    45% 57 $26,445,000 $463,947 $3,824 2.92%
    37% 56 $25,370,000 $453,036 $3,655 2.92%
    50-60% 1 $205,000 $205,000 $3,564 2.99%

    Victoria Financial Corp. lent most frequently to those with DTI ratios of 20-30%, with 412 originations. The next most common DTI ratio? 30-36%, with 369 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Asian 1,439 $627,635,000 $436,161 $3,746 2.83%
    White 314 $139,530,000 $444,363 $3,611 2.87%
    Not provided 126 $52,270,000 $414,841 $3,397 2.84%
    Black 16 $6,170,000 $385,625 $3,595 3.05%
    Not applicable 1 $395,000 $395,000 $4,060 3.63%
    American Indian 1 $285,000 $285,000 $3,565 2.75%

    Approval Rates

    Total approvals of all applications
    98.90%

    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
    88.24%

    Victoria Financial Corp. has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,897 $826,285,000 $435,575

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,897 $826,285,000 $435,575

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 349 $114,095,000 $326,920 $3,433 2.78%
    40-60% 830 $357,800,000 $431,084 $3,548 2.78%
    60-80% 647 $318,945,000 $492,960 $3,932 2.95%
    80-100% 49 $28,885,000 $589,490 $5,186 2.87%
    Under 20% 22 $6,560,000 $298,182 $3,469 2.84%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    VICTORIAN FINANCE, LLC Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%