Victorian Finance Mortgage Rates, Fees & Info

Pittsburgh, PA

LEI: 549300Y7G2MW6V1OR474

Tax ID: 26-0084919

3.7 stars - Updated: 2/19/24 - out of 5 stars, based on 39 reviews

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

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Mortgage Data

Review & Overview

Victorian Finance is a smaller mortgage company specializing in Home Purchase loans. Victorian Finance has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Pittsburgh, Seattle, Charleston, Houston, and Huntington among others. We have data for 125 markets. (Some data included below & more in-depth data is available with an active subscription.)

Victorian Finance 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. Victorian Finance is typically an average 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.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.79% 2/19/24
30 Year Conventional Refi 6.62% 2/19/24
30 Year Cash-out Refi 6.90% 2/19/24
30 Year FHA Purchase 7.55% 2/19/24
30 Year FHA Refi 7.31% 2/19/24
30 Year VA Purchase 6.51% 2/19/24
30 Year VA Refi 6.18% 2/19/24
30 Year USDA Purchase 6.93% 2/19/24
30 Year USDA Refi 6.27% 2/19/24
15 Year Conventional Purchase 6.24% 2/19/24
15 Year Conventional Refi 5.91% 2/19/24
15 Year Cash-out Refi 5.91% 2/19/24
15 Year FHA Purchase 7.42% 2/19/24
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.

Victorian Finance Mortgage Calculator






Your Estimates

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

This is not an official calculator from Victorian Finance. 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

1,537

Origination Dollar Volume (All Markets)

$386,865,000
Show all (17) awards

Relative Rate

Victorian Finance's average 30 year fixed mortgage rate was 4.97%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.21%.

Relative Fees (Closing Costs)

Victorian Finance's average total fees/closing costs for a 30 year fixed rate mortgage were $7,152.

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 $4,750.

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
PITTSBURGH, PA (FHA|USDA|VA) 521 $110,495,000 $212,083 $7,419 4.77%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 91 $53,755,000 $590,714 $8,592 4.69%
CHARLESTON, WV (FHA|USDA|VA) 186 $33,260,000 $178,817 $5,442 5.02%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 48 $16,070,000 $334,792 $9,228 4.96%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 70 $12,420,000 $177,429 $6,242 5.07%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 28 $11,980,000 $427,857 $6,868 4.71%
Outside of Metro Areas 62 $11,660,000 $188,065 $6,519 5.01%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 22 $10,140,000 $460,909 $6,338 5.27%
Oak Harbor, WA (FHA|USDA|VA) 18 $7,390,000 $410,556 $7,891 5.22%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 30 $6,960,000 $232,000 $8,195 4.75%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 32 $6,830,000 $213,438 $8,129 4.70%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 17 $5,695,000 $335,000 $8,398 4.90%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 18 $5,640,000 $313,333 $6,291 4.83%
Point Pleasant, WV-OH (FHA|USDA|VA) 37 $5,475,000 $147,973 $5,836 4.89%
Mount Gay-Shamrock, WV (FHA|USDA|VA) 28 $5,040,000 $180,000 $5,673 5.21%
LAFAYETTE, LA (FHA|USDA|VA) 25 $4,725,000 $189,000 $7,560 5.67%
BURLINGTON, NC (FHA|USDA|VA) 18 $4,410,000 $245,000 $9,266 5.04%
RALEIGH-CARY, NC (FHA|USDA|VA) 14 $4,070,000 $290,714 $9,159 4.42%
ROANOKE, VA (FHA|USDA|VA) 18 $3,640,000 $202,222 $6,319 5.98%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 10 $3,090,000 $309,000 $6,803 4.86%
BELLINGHAM, WA (FHA|USDA|VA) 5 $2,445,000 $489,000 $4,769 4.65%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 15 $2,185,000 $145,667 $5,454 4.95%
WENATCHEE, WA (FHA|USDA|VA) 5 $2,155,000 $431,000 $13,088 5.93%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 11 $1,935,000 $175,909 $5,988 4.89%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 4 $1,920,000 $480,000 $8,532 5.06%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 4 $1,880,000 $470,000 $5,141 4.78%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 3 $1,805,000 $601,667 $8,824 4.79%
New Castle, PA (FHA|USDA|VA) 10 $1,800,000 $180,000 $5,305 4.39%
PROVO-OREM, UT (FHA|USDA|VA) 2 $1,760,000 $880,000 $8,321 4.44%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 4 $1,740,000 $435,000 $9,686 6.34%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 4 $1,610,000 $402,500 $10,170 4.69%
ROCKY MOUNT, NC (FHA|USDA|VA) 7 $1,575,000 $225,000 $9,723 4.52%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 4 $1,570,000 $392,500 $10,816 5.31%
PANAMA CITY, FL (FHA|USDA|VA) 4 $1,540,000 $385,000 $11,243 5.69%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 5 $1,295,000 $259,000 $4,387 5.18%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 9 $1,275,000 $141,667 $6,339 5.60%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 4 $1,220,000 $305,000 $5,026 5.50%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 3 $1,205,000 $401,667 $13,405 4.54%
MORGANTOWN, WV (FHA|USDA|VA) 5 $1,135,000 $227,000 $5,103 5.30%
BECKLEY, WV (FHA|USDA|VA) 7 $1,115,000 $159,286 $5,679 4.84%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 6 $1,090,000 $181,667 $4,293 4.23%
Henderson, NC (FHA|USDA|VA) 4 $990,000 $247,500 $7,530 4.69%
LOUISVILLE, KY (FHA|USDA|VA) 5 $975,000 $195,000 $7,140 5.98%
LOGAN, UT-ID (FHA|USDA|VA) 3 $915,000 $305,000 $3,296 4.33%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $875,000 $875,000 $9,521 3.50%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 3 $865,000 $288,333 $5,484 5.29%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $855,000 $285,000 $11,737 5.83%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $840,000 $420,000 $8,947 4.75%
Ellensburg, WA (FHA|USDA|VA) 2 $840,000 $420,000 $4,875 6.06%
HUNTSVILLE, AL (FHA|USDA|VA) 3 $775,000 $258,333 $6,878 6.21%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $760,000 $380,000 $10,610 4.18%
WINSTON-SALEM, NC (FHA|USDA|VA) 4 $740,000 $185,000 $7,718 5.06%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $715,000 $715,000 $7,829 7.50%
JACKSONVILLE, FL (FHA|USDA|VA) 2 $680,000 $340,000 $5,282 3.56%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $650,000 $325,000 $3,735 5.68%
RICHMOND, VA (FHA|USDA|VA) 2 $590,000 $295,000 $3,621 4.25%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 2 $560,000 $280,000 $7,841 3.94%
THE VILLAGES, FL (FHA|USDA|VA) 1 $555,000 $555,000 $22,918 3.99%
WHEELING, WV-OH (FHA|USDA|VA) 3 $545,000 $181,667 $7,123 5.41%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $525,000 $525,000 $10,569 5.38%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $520,000 $260,000 $5,513 5.75%
Wilson, NC (FHA|USDA|VA) 3 $515,000 $171,667 $6,643 5.75%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $515,000 $515,000 $5,692 5.25%
COLUMBIA, MO (FHA|USDA|VA) 3 $495,000 $165,000 $1,962 4.33%
BOISE CITY, ID (FHA|USDA|VA) 1 $485,000 $485,000 $18,244 5.63%
GREELEY, CO (FHA|USDA|VA) 1 $455,000 $455,000 $6,365 7.25%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $415,000 $415,000 $10,301 6.25%
BEND, OR (FHA|USDA|VA) 1 $405,000 $405,000 $5,169 3.38%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $390,000 $195,000 $7,533 5.44%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $380,000 $190,000 $9,435 5.38%
Albertville, AL (FHA|USDA|VA) 2 $380,000 $190,000 $6,167 7.19%
Show Low, AZ (FHA|USDA|VA) 1 $375,000 $375,000 $2,961 3.75%
STAUNTON, VA (FHA|USDA|VA) 1 $365,000 $365,000 $11,651 5.88%
READING, PA (FHA|USDA|VA) 1 $345,000 $345,000 $8,418 6.50%
FORT COLLINS, CO (FHA|USDA|VA) 1 $325,000 $325,000 $4,825 8.75%
TULSA, OK (FHA|USDA|VA) 1 $315,000 $315,000 $7,536 5.99%
BOULDER, CO (FHA|USDA|VA) 1 $315,000 $315,000 $3,239 4.88%
Fort Payne, AL (FHA|USDA|VA) 1 $315,000 $315,000 $13,570 6.25%
SAVANNAH, GA (FHA|USDA|VA) 1 $285,000 $285,000 $5,530 4.50%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $285,000 $285,000 $6,832 5.13%
Salem, OH (FHA|USDA|VA) 2 $280,000 $140,000 $6,470 5.13%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $275,000 $275,000 $11,793 7.00%
Indiana, PA (FHA|USDA|VA) 2 $270,000 $135,000 $5,945 3.94%
Fairmont, WV (FHA|USDA|VA) 2 $270,000 $135,000 $4,480 5.50%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $265,000 $265,000 $7,921 5.50%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $255,000 $255,000 $14,499 5.75%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $245,000 $245,000 $5,107 2.88%
GOLDSBORO, NC (FHA|USDA|VA) 1 $245,000 $245,000 $12,394 4.88%
MOBILE, AL (FHA|USDA|VA) 1 $245,000 $245,000 $8,795 5.13%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $235,000 $235,000 $10,003 5.25%
Sanford, NC (FHA|USDA|VA) 1 $225,000 $225,000 $3,528 5.38%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $225,000 $225,000 $6,588 3.13%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $215,000 $215,000 $5,570 6.38%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $215,000 $215,000 $4,621 3.38%
WICHITA, KS (FHA|USDA|VA) 1 $215,000 $215,000 $10,791 5.25%
Athens, OH (FHA|USDA|VA) 1 $215,000 $215,000 $4,386 6.88%
Somerset, PA (FHA|USDA|VA) 2 $210,000 $105,000 $4,619 5.19%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $205,000 $205,000 $4,631 6.25%
Kerrville, TX (FHA|USDA|VA) 1 $195,000 $195,000 $7,002 5.38%
DALTON, GA (FHA|USDA|VA) 1 $185,000 $185,000 $7,367 5.00%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $175,000 $175,000 $5,456 2.88%
HINESVILLE, GA (FHA|USDA|VA) 1 $175,000 $175,000 $7,082 5.00%
Marietta, OH (FHA|USDA|VA) 1 $165,000 $165,000 $5,648 3.75%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $165,000 $165,000 $4,528 4.38%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $155,000 $155,000 $4,371 3.25%
Fremont, OH (FHA|USDA|VA) 1 $155,000 $155,000 $7,874 4.25%
DuBois, PA (FHA|USDA|VA) 1 $155,000 $155,000 $5,112 5.25%
Huntsville, TX (FHA|USDA|VA) 1 $145,000 $145,000 $7,367 4.50%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $145,000 $145,000 $4,903 4.99%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $135,000 $135,000 $0 7.25%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $135,000 $135,000 $2,986 4.38%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $125,000 $125,000 $2,879 3.50%
Kinston, NC (FHA|USDA|VA) 1 $125,000 $125,000 $3,330 5.00%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $115,000 $115,000 $0 7.13%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.63%
PEORIA, IL (FHA|USDA|VA) 1 $105,000 $105,000 $2,845 3.63%
YAKIMA, WA (FHA|USDA|VA) 1 $105,000 $105,000 $3,980 3.38%
ERIE, PA (FHA|USDA|VA) 1 $95,000 $95,000 $3,834 4.63%
Martin, TN (FHA|USDA|VA) 1 $95,000 $95,000 $2,579 3.75%
Warren, PA (FHA|USDA|VA) 1 $85,000 $85,000 $3,876 5.63%
Portsmouth, OH (FHA|USDA|VA) 1 $85,000 $85,000 $6,261 7.75%
COLUMBUS, OH (FHA|USDA|VA) 1 $85,000 $85,000 $3,142 6.25%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $75,000 $75,000 $3,937 5.75%
Morehead City, NC (FHA|USDA|VA) 1 $75,000 $75,000 $3,314 4.13%
Pottsville, PA (FHA|USDA|VA) 1 $65,000 $65,000 $4,079 6.13%
Victorian Finance's top markets include Pittsburgh, Seattle, Charleston, Houston, and Huntington among others.

Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • West Virginia (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against Victorian Finance 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 925 $257,835,000 $278,741 $6,127 4.91%
    FHA 431 $81,155,000 $188,295 $8,818 5.03%
    VA 93 $35,135,000 $377,796 $9,384 4.79%
    USDA 88 $12,740,000 $144,773 $6,047 4.70%

    For 2022, Victorian Finance's most frequently originated type of loan was Conventional, with 925 originations. Their 2nd most popular type was FHA, with 431 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,396 $347,220,000 $248,725 $7,191 5.01%
    Cash Out Refi 80 $23,080,000 $288,500 $5,922 4.30%
    Refi 60 $16,450,000 $274,167 $6,006 3.86%
    Home Improvement 1 $115,000 $115,000 $4,437 4.25%

    For 2022, Victorian Finance's most frequently cited loan purpose was Home Purchase, with 1,396 originations. The 2nd most popular reason was Cash Out Refi, with 80 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,482 $375,190,000 $253,165 $7,152 4.97%
    15 Year 44 $9,680,000 $220,000 $5,359 3.81%
    20 Year 7 $1,615,000 $230,714 $4,838 3.34%
    10 Year 3 $225,000 $75,000 $3,859 4.42%
    Other 1 $155,000 $155,000 $2,049 3.50%

    For 2022, Victorian Finance's most frequently cited loan duration was 30 Year, with 1,482 originations. The 2nd most popular length was 15 Year, with 44 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 608 $147,740,000 $242,993
    $2k-3k 264 $50,500,000 $191,288
    $5k+ 255 $88,445,000 $346,843
    $3k-4k 176 $41,080,000 $233,409
    $4k-5k 125 $33,265,000 $266,120
    $<1k 86 $21,440,000 $249,302

    Victorian Finance's average total fees were $7,152, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 608 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 495 $120,045,000 $242,515
    3-4% 363 $92,765,000 $255,551
    4-5% 355 $95,965,000 $270,324
    6-7% 197 $47,195,000 $239,569
    7-8% 63 $14,175,000 $225,000
    2.5-3% 52 $13,490,000 $259,423
    <2.5% 11 $2,905,000 $264,091
    Over 8% 1 $325,000 $325,000

    During 2022, Victorian Finance's average interest rate for loans was 4.97%, while their most frequently originated rate bucket for loans was 5-6%, with 495 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 602 $90,780,000 $150,797 $5,987 4.88%
    $200k-400k 514 $143,090,000 $278,385 $8,181 5.03%
    $100,000 or less 178 $13,910,000 $78,146 $4,349 4.92%
    $400k-600k 157 $75,085,000 $478,248 $8,963 4.88%
    $600k-1MM 78 $54,210,000 $695,000 $10,154 4.78%
    $1MM+ 8 $9,790,000 $1,223,750 $10,768 3.94%

    2022 saw Victorian Finance place emphasis on $100k-200k loans with 602 originations, totaling $90,780,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 391 $71,275,000 $182,289 $6,848 4.99%
    $50k or less 314 $41,750,000 $132,962 $5,660 4.73%
    $100k-150k 302 $92,870,000 $307,517 $7,845 5.05%
    $75k-100k 270 $64,720,000 $239,704 $7,463 5.03%
    $150k-250k 184 $77,600,000 $421,739 $7,699 4.85%
    $250k+ 76 $38,650,000 $508,553 $8,424 4.73%

    Victorian Finance lent most frequently to those with incomes in the $50k-75k range, with 391 originations. The second most popular income band? $50k or less, with 314 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 275 $64,295,000 $233,800 $6,183 4.70%
    30-36% 257 $59,055,000 $229,786 $6,351 4.95%
    50-60% 152 $36,840,000 $242,368 $9,854 5.14%
    <20% 81 $17,935,000 $221,420 $5,513 4.45%
    49% 70 $21,280,000 $304,000 $8,225 5.10%
    38% 62 $15,310,000 $246,935 $7,625 5.03%
    39% 62 $12,660,000 $204,194 $6,973 5.08%
    44% 61 $17,305,000 $283,689 $7,095 4.71%
    46% 60 $16,190,000 $269,833 $6,779 4.80%
    43% 59 $14,975,000 $253,814 $6,622 5.17%
    37% 59 $16,255,000 $275,508 $6,682 4.97%
    48% 57 $16,385,000 $287,456 $6,878 5.02%
    41% 54 $15,990,000 $296,111 $8,194 4.89%
    36% 46 $9,260,000 $201,304 $5,876 5.12%
    47% 45 $12,105,000 $269,000 $7,440 5.10%
    42% 43 $11,315,000 $263,140 $6,712 4.91%
    45% 43 $13,035,000 $303,140 $8,065 4.95%
    40% 43 $12,665,000 $294,535 $8,202 5.23%
    >60% 7 $3,845,000 $549,286 $8,170 5.23%
    Exempt% 1 $165,000 $165,000 $6,267 5.50%

    Victorian Finance lent most frequently to those with DTI ratios of 20-30%, with 275 originations. The next most common DTI ratio? 30-36%, with 257 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,280 $306,180,000 $239,203 $6,904 4.94%
    Not provided 110 $36,470,000 $331,545 $7,354 4.72%
    Black 84 $20,330,000 $242,024 $8,488 4.82%
    Asian 46 $15,370,000 $334,130 $8,127 5.12%
    American Indian 10 $4,320,000 $432,000 $9,219 5.56%
    Asian Indian 4 $2,730,000 $682,500 $6,638 5.75%
    Japanese 1 $645,000 $645,000 $3,760 3.88%
    Native Hawaiian or Islander 1 $555,000 $555,000 $16,861 5.25%
    Not applicable 1 $265,000 $265,000 $11,452 2.88%

    Approval Rates

    Total approvals of all applications
    98.05%

    Victorian Finance 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
    66.10%

    Victorian Finance has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    134.5 1 $135,000 $135,000
    1395.0 1 $415,000 $415,000
    1611.0 1 $395,000 $395,000
    68.9 1 $235,000 $235,000
    NA 1,533 $385,685,000 $251,588

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,537 $386,865,000 $251,701

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 26 $3,540,000 $136,154 $4,541 4.76%
    40-60% 90 $22,820,000 $253,556 $5,679 4.76%
    60-80% 295 $88,425,000 $299,746 $6,465 4.78%
    80-100% 1,086 $258,250,000 $237,799 $7,246 4.99%
    Over 100% 33 $12,365,000 $374,697 $13,058 4.80%
    Under 20% 7 $1,465,000 $209,286 $4,546 4.37%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    VICTORIAN FINANCE, LLC Conventional home mortgage Trouble during payment process 1 100.0%