Victorian Finance Mortgage Rates, Fees & Info

Pittsburgh, PA

LEI: 549300Y7G2MW6V1OR474

Tax ID: 26-0084919

Latest/2023 | 2022 Data | 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 a a high proportion of FHA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Pittsburgh, Charleston, Deltona, Durham, and Huntington among others. We have data for 113 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% 3/28/24
30 Year Conventional Refi 6.62% 3/28/24
30 Year Cash-out Refi 6.90% 3/28/24
30 Year FHA Purchase 7.55% 3/28/24
30 Year FHA Refi 7.31% 3/28/24
30 Year VA Purchase 6.51% 3/28/24
30 Year VA Refi 6.18% 3/28/24
30 Year USDA Purchase 6.93% 3/28/24
30 Year USDA Refi 6.27% 3/28/24
15 Year Conventional Purchase 6.24% 3/28/24
15 Year Conventional Refi 5.91% 3/28/24
15 Year Cash-out Refi 5.91% 3/28/24
15 Year FHA Purchase 7.42% 3/28/24
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

2,251

Origination Dollar Volume (All Markets)

$361,805,000
Show all (12) 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
PITTSBURGH, PA (FHA|USDA|VA) 934 $150,230,000 $160,846 $5,210 4.75%
CHARLESTON, WV (FHA|USDA|VA) 181 $25,545,000 $141,133 $3,862 4.67%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 113 $20,475,000 $181,195 $5,050 4.95%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 88 $18,710,000 $212,614 $4,345 4.85%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 107 $17,225,000 $160,981 $4,152 4.67%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 52 $11,920,000 $229,231 $6,401 4.81%
BURLINGTON, NC (FHA|USDA|VA) 76 $11,340,000 $149,211 $4,843 4.93%
BECKLEY, WV (FHA|USDA|VA) 106 $10,760,000 $101,509 $3,463 4.83%
RALEIGH-CARY, NC (FHA|USDA|VA) 40 $9,290,000 $232,250 $5,229 4.84%
Outside of Metro Areas 59 $8,015,000 $135,847 $5,221 4.73%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 61 $8,015,000 $131,393 $4,526 5.02%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 27 $5,565,000 $206,111 $5,840 4.76%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 20 $4,540,000 $227,000 $7,766 4.73%
Point Pleasant, WV-OH (FHA|USDA|VA) 38 $4,370,000 $115,000 $4,573 4.90%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 9 $3,065,000 $340,556 $9,619 4.14%
WINSTON-SALEM, NC (FHA|USDA|VA) 17 $2,395,000 $140,882 $5,035 4.90%
Mount Gay-Shamrock, WV (FHA|USDA|VA) 19 $2,145,000 $112,895 $3,956 4.87%
RICHMOND, VA (FHA|USDA|VA) 11 $2,085,000 $189,545 $6,912 4.64%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 13 $2,065,000 $158,846 $3,928 4.89%
Somerset, PA (FHA|USDA|VA) 17 $1,855,000 $109,118 $4,904 4.63%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 7 $1,725,000 $246,429 $10,363 5.11%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 10 $1,720,000 $172,000 $5,744 4.74%
LANCASTER, PA (FHA|USDA|VA) 9 $1,695,000 $188,333 $9,085 4.44%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 6 $1,550,000 $258,333 $6,086 4.31%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 7 $1,505,000 $215,000 $4,778 4.63%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 11 $1,305,000 $118,636 $4,829 4.85%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 12 $1,230,000 $102,500 $4,498 5.25%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 8 $1,220,000 $152,500 $7,083 4.30%
New Castle, PA (FHA|USDA|VA) 7 $1,185,000 $169,286 $6,218 4.79%
YORK-HANOVER, PA (FHA|USDA|VA) 6 $1,050,000 $175,000 $9,201 4.44%
JACKSONVILLE, FL (FHA|USDA|VA) 4 $1,020,000 $255,000 $6,445 4.69%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 4 $1,000,000 $250,000 $10,823 4.72%
DALTON, GA (FHA|USDA|VA) 7 $995,000 $142,143 $6,351 4.50%
Salem, OH (FHA|USDA|VA) 9 $985,000 $109,444 $4,858 4.82%
Oil City, PA (FHA|USDA|VA) 14 $980,000 $70,000 $4,341 4.84%
Meadville, PA (FHA|USDA|VA) 10 $920,000 $92,000 $4,446 4.89%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $915,000 $305,000 $8,406 4.67%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 3 $855,000 $285,000 $11,241 5.25%
Key West, FL (FHA|USDA|VA) 2 $830,000 $415,000 $10,838 4.56%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 6 $770,000 $128,333 $4,335 4.40%
SAVANNAH, GA (FHA|USDA|VA) 3 $765,000 $255,000 $4,192 4.54%
ALTOONA, PA (FHA|USDA|VA) 6 $760,000 $126,667 $4,931 4.60%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 2 $700,000 $350,000 $7,152 5.00%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $695,000 $695,000 $21,864 4.00%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 5 $625,000 $125,000 $5,866 4.65%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $585,000 $585,000 $22,533 4.50%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 3 $585,000 $195,000 $9,574 5.04%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 4 $550,000 $137,500 $7,547 4.22%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $525,000 $175,000 $6,284 4.96%
Henderson, NC (FHA|USDA|VA) 2 $470,000 $235,000 $4,406 4.88%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 2 $430,000 $215,000 $7,521 4.00%
FAYETTEVILLE, NC (FHA|USDA|VA) 3 $425,000 $141,667 $6,180 4.88%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 3 $425,000 $141,667 $6,540 5.50%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 2 $410,000 $205,000 $7,116 4.94%
READING, PA (FHA|USDA|VA) 2 $400,000 $200,000 $5,189 4.25%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $365,000 $365,000 $4,259 4.50%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 2 $350,000 $175,000 $4,779 5.00%
Clearlake, CA (FHA|USDA|VA) 1 $345,000 $345,000 $6,734 5.38%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $335,000 $335,000 $5,868 4.63%
Palatka, FL (FHA|USDA|VA) 2 $330,000 $165,000 $4,732 5.06%
COLUMBIA, SC (FHA|USDA|VA) 1 $325,000 $325,000 $3,497 4.38%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $325,000 $325,000 $7,348 4.63%
JOHNSTOWN, PA (FHA|USDA|VA) 4 $310,000 $77,500 $3,190 4.59%
EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $310,000 $155,000 $3,776 4.63%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $305,000 $305,000 $3,000 4.38%
MONTGOMERY, AL (FHA|USDA|VA) 3 $295,000 $98,333 $5,191 5.33%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $280,000 $140,000 $8,665 5.44%
WHEELING, WV-OH (FHA|USDA|VA) 2 $280,000 $140,000 $5,541 4.31%
Bluefield, WV-VA (FHA|USDA|VA) 2 $250,000 $125,000 $5,379 5.00%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $245,000 $245,000 $7,201 4.38%
AKRON, OH (FHA|USDA|VA) 2 $240,000 $120,000 $4,074 4.69%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $240,000 $120,000 $2,826 5.13%
Warren, PA (FHA|USDA|VA) 3 $235,000 $78,333 $4,568 4.67%
LYNCHBURG, VA (FHA|USDA|VA) 1 $225,000 $225,000 $10,606 4.38%
Jefferson, GA (FHA|USDA|VA) 1 $215,000 $215,000 $9,147 4.88%
PANAMA CITY, FL (FHA|USDA|VA) 1 $205,000 $205,000 $7,206 5.13%
CUMBERLAND, MD-WV (FHA|USDA|VA) 2 $200,000 $100,000 $5,661 4.88%
North Wilkesboro, NC (FHA|USDA|VA) 1 $185,000 $185,000 $5,981 3.88%
VALDOSTA, GA (FHA|USDA|VA) 1 $185,000 $185,000 $8,235 3.88%
Clarksburg, WV (FHA|USDA|VA) 1 $175,000 $175,000 $2,795 4.50%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $175,000 $175,000 $2,682 4.50%
Cornelia, GA (FHA|USDA|VA) 1 $175,000 $175,000 $8,713 3.88%
Cambridge, MD (FHA|USDA|VA) 1 $165,000 $165,000 $8,672 4.50%
Jasper, AL (FHA|USDA|VA) 1 $165,000 $165,000 $7,334 4.50%
NEW BERN, NC (FHA|USDA|VA) 1 $165,000 $165,000 $2,122 5.00%
OCALA, FL (FHA|USDA|VA) 1 $135,000 $135,000 $8,268 4.25%
LAFAYETTE, LA (FHA|USDA|VA) 1 $135,000 $135,000 $7,719 5.63%
HAMMOND, LA (FHA|USDA|VA) 1 $135,000 $135,000 $6,766 5.50%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $135,000 $135,000 $7,304 4.38%
Indiana, PA (FHA|USDA|VA) 2 $130,000 $65,000 $4,475 4.69%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 1 $125,000 $125,000 $5,529 3.50%
Athens, OH (FHA|USDA|VA) 1 $125,000 $125,000 $3,692 4.88%
ROANOKE, VA (FHA|USDA|VA) 2 $120,000 $60,000 $3,850 4.56%
STAUNTON, VA (FHA|USDA|VA) 1 $115,000 $115,000 $4,815 4.63%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $115,000 $115,000 $6,369 4.25%
Glasgow, KY (FHA|USDA|VA) 1 $105,000 $105,000 $4,115 5.00%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $105,000 $105,000 $3,674 4.00%
Lewisburg, PA (FHA|USDA|VA) 1 $105,000 $105,000 $2,791 4.75%
Mount Airy, NC (FHA|USDA|VA) 1 $105,000 $105,000 $3,701 5.00%
Sunbury, PA (FHA|USDA|VA) 1 $105,000 $105,000 $5,929 4.63%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $95,000 $95,000 $13,070 3.50%
MORGANTOWN, WV (FHA|USDA|VA) 1 $95,000 $95,000 $4,872 5.50%
THE VILLAGES, FL (FHA|USDA|VA) 1 $85,000 $85,000 $4,394 5.13%
SPARTANBURG, SC (FHA|USDA|VA) 1 $85,000 $85,000 $4,253 5.75%
ERIE, PA (FHA|USDA|VA) 1 $85,000 $85,000 $9,404 3.50%
MOBILE, AL (FHA|USDA|VA) 1 $85,000 $85,000 $1,613 4.38%
Sanford, NC (FHA|USDA|VA) 1 $75,000 $75,000 $4,528 4.88%
Chillicothe, OH (FHA|USDA|VA) 1 $75,000 $75,000 $3,200 4.88%
Fairmont, WV (FHA|USDA|VA) 1 $75,000 $75,000 $3,332 4.63%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $65,000 $65,000 $3,687 5.38%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $65,000 $65,000 $2,850 5.63%
Ashtabula, OH (FHA|USDA|VA) 1 $55,000 $55,000 $2,623 4.88%
GREENVILLE, NC (FHA|USDA|VA) 1 $55,000 $55,000 $4,562 5.50%
Victorian Finance's top markets include Pittsburgh, Charleston, Deltona, Durham, and Huntington among others.

Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • West Virginia (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Florida (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.

    Westmoreland Federal Savings
    Similarity Rank: 12
    TRI BORO
    Similarity Rank: 25
    Town Square Bank
    Similarity Rank: 30
    Commercial Bank and Trust of PA
    Similarity Rank: 57
    West View Savings Bank
    Similarity Rank: 102
    The Poca Valley Bank, Inc.
    Similarity Rank: 133

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 956 $174,930,000 $182,981 $4,024 4.76%
    FHA 853 $120,365,000 $141,108 $6,136 4.85%
    USDA 287 $34,975,000 $121,864 $5,063 4.64%
    VA 150 $30,830,000 $205,533 $5,441 4.67%
    FHA 5 $705,000 $141,000 $0 4.69%

    For 2018, Victorian Finance's most frequently originated type of loan was Conventional, with 956 originations. Their 2nd most popular type was FHA, with 853 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,026 $319,090,000 $157,498 $4,941 4.77%
    Cash Out Refi 155 $29,885,000 $192,806 $6,407 4.77%
    Refi 61 $11,135,000 $182,541 $4,704 4.67%
    Home Improvement 5 $1,205,000 $241,000 $12,294 5.68%
    Other 4 $490,000 $122,500 $4,767 4.97%

    For 2018, Victorian Finance's most frequently cited loan purpose was Home Purchase, with 2,026 originations. The 2nd most popular reason was Cash Out Refi, with 155 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,142 $342,590,000 $159,939 $5,110 4.79%
    15 Year 67 $11,375,000 $169,776 $4,008 4.21%
    20 Year 33 $6,475,000 $196,212 $3,558 4.46%
    Other 7 $1,245,000 $177,857 $5,483 4.53%
    10 Year 2 $120,000 $60,000 $3,273 4.19%

    For 2018, Victorian Finance's most frequently cited loan duration was 30 Year, with 2,142 originations. The 2nd most popular length was 15 Year, with 67 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,297 $195,415,000 $150,667
    $<1k 492 $78,190,000 $158,923
    $2k-3k 263 $41,975,000 $159,601
    $3k-4k 98 $19,840,000 $202,449
    $5k+ 58 $17,600,000 $303,448
    $4k-5k 38 $8,080,000 $212,632

    Victorian Finance's average total fees were $5,110, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,297 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,567 $259,175,000 $165,396
    5-6% 521 $74,235,000 $142,486
    3-4% 154 $27,440,000 $178,182
    6-7% 7 $535,000 $76,429
    Over 8% 1 $325,000 $325,000

    During 2018, Victorian Finance's average interest rate for loans was 4.79%, while their most frequently originated rate bucket for loans was 4-5%, with 1,567 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,112 $161,410,000 $145,153 $5,025 4.75%
    $100,000 or less 576 $42,310,000 $73,455 $3,776 4.90%
    $200k-400k 506 $131,100,000 $259,091 $6,156 4.70%
    $400k-600k 50 $22,390,000 $447,800 $7,681 4.58%
    $600k-1MM 7 $4,595,000 $656,429 $15,361 4.34%

    2018 saw Victorian Finance place emphasis on $100k-200k loans with 1,112 originations, totaling $161,410,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 775 $81,215,000 $104,794 $4,462 4.80%
    $50k-75k 648 $96,380,000 $148,735 $5,134 4.77%
    $75k-100k 372 $69,310,000 $186,317 $5,545 4.77%
    $100k-150k 281 $64,345,000 $228,986 $5,264 4.72%
    $150k-250k 144 $41,210,000 $286,181 $6,085 4.75%
    $250k+ 31 $9,345,000 $301,452 $5,350 4.58%

    Victorian Finance lent most frequently to those with incomes in the $50k or less range, with 775 originations. The second most popular income band? $50k-75k, with 648 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    <20% 1,060 $154,340,000 $145,604 $4,559 4.77%
    20-30% 843 $143,265,000 $169,947 $5,370 4.77%
    30-36% 222 $42,020,000 $189,279 $5,785 4.79%
    36% 21 $3,295,000 $156,905 $4,964 4.86%
    38% 19 $3,315,000 $174,474 $6,479 4.76%
    37% 15 $2,735,000 $182,333 $4,885 4.73%
    39% 15 $2,215,000 $147,667 $6,374 4.98%
    40% 9 $2,145,000 $238,333 $6,975 4.50%
    43% 7 $1,175,000 $167,857 $6,755 4.80%
    41% 6 $1,380,000 $230,000 $7,329 4.75%
    45% 6 $1,210,000 $201,667 $6,526 4.75%
    44% 5 $855,000 $171,000 $3,785 4.90%
    42% 5 $865,000 $173,000 $4,816 4.68%
    46% 4 $690,000 $172,500 $5,912 4.41%
    49% 3 $525,000 $175,000 $5,377 4.71%
    47% 2 $460,000 $230,000 $4,758 4.94%
    48% 1 $135,000 $135,000 $3,415 5.25%

    Victorian Finance lent most frequently to those with DTI ratios of <20%, with 1,060 originations. The next most common DTI ratio? 20-30%, with 843 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,000 $318,700,000 $159,350 $5,013 4.77%
    Black 148 $23,890,000 $161,419 $5,544 4.86%
    Not provided 51 $9,685,000 $189,902 $5,729 4.70%
    Asian 38 $7,550,000 $198,684 $4,715 4.74%
    American Indian 11 $1,505,000 $136,818 $3,903 4.80%
    Not applicable 2 $430,000 $215,000 $4,828 5.13%
    Native Hawaiian or Islander 1 $45,000 $45,000 $3,744 5.00%

    Approval Rates

    Total approvals of all applications
    96.19%

    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
    67.79%

    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
    1711.07 1 $95,000 $95,000
    1741.45 1 $95,000 $95,000
    NA 2,249 $361,615,000 $160,789

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 30 $3,360,000 $112,000
    Single Family (1-4 Units):Site-Built 2,221 $358,445,000 $161,389

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 20 $1,810,000 $90,500 $3,148 4.56%
    40-60% 75 $11,085,000 $147,800 $3,791 4.58%
    60-80% 314 $58,040,000 $184,841 $4,241 4.79%
    80-100% 1,803 $282,385,000 $156,620 $5,207 4.78%
    Over 100% 38 $8,410,000 $221,316 $7,807 4.62%
    Under 20% 1 $75,000 $75,000 $3,448 4.75%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    VICTORIAN FINANCE, LLC FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%