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 and Refi 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, Durham, Charleston, Seattle, and Houston among others. We have data for 133 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% 4/18/24
30 Year Conventional Refi 6.62% 4/18/24
30 Year Cash-out Refi 6.90% 4/18/24
30 Year FHA Purchase 7.55% 4/18/24
30 Year FHA Refi 7.31% 4/18/24
30 Year VA Purchase 6.51% 4/18/24
30 Year VA Refi 6.18% 4/18/24
30 Year USDA Purchase 6.93% 4/18/24
30 Year USDA Refi 6.27% 4/18/24
15 Year Conventional Purchase 6.24% 4/18/24
15 Year Conventional Refi 5.91% 4/18/24
15 Year Cash-out Refi 5.91% 4/18/24
15 Year FHA Purchase 7.42% 4/18/24
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

3,488

Origination Dollar Volume (All Markets)

$749,720,000
Show all (26) 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) 1,551 $308,625,000 $198,985 $5,419 3.07%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 212 $56,930,000 $268,538 $3,701 3.12%
CHARLESTON, WV (FHA|USDA|VA) 313 $53,225,000 $170,048 $3,849 3.07%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 92 $40,010,000 $434,891 $4,610 2.62%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 131 $35,895,000 $274,008 $6,119 3.06%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 131 $34,375,000 $262,405 $6,302 3.19%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 159 $29,125,000 $183,176 $4,377 3.16%
RALEIGH-CARY, NC (FHA|USDA|VA) 98 $27,950,000 $285,204 $3,253 3.04%
BURLINGTON, NC (FHA|USDA|VA) 78 $15,120,000 $193,846 $4,529 3.16%
Outside of Metro Areas 83 $14,605,000 $175,964 $4,625 3.23%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 68 $10,590,000 $155,735 $5,274 2.98%
Point Pleasant, WV-OH (FHA|USDA|VA) 76 $9,490,000 $124,868 $4,357 3.16%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 13 $5,475,000 $421,154 $5,250 3.05%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 26 $4,960,000 $190,769 $5,133 3.12%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 17 $4,915,000 $289,118 $4,030 3.04%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 16 $4,680,000 $292,500 $6,156 3.01%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 17 $4,645,000 $273,235 $6,037 3.33%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 16 $4,500,000 $281,250 $4,481 2.91%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 31 $4,305,000 $138,871 $4,862 3.39%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 14 $4,250,000 $303,571 $3,102 2.96%
Mount Gay-Shamrock, WV (FHA|USDA|VA) 31 $3,945,000 $127,258 $5,486 3.27%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 14 $3,860,000 $275,714 $3,645 2.66%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 12 $3,510,000 $292,500 $2,890 2.65%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 13 $3,135,000 $241,154 $4,396 3.18%
Ellensburg, WA (FHA|USDA|VA) 7 $2,585,000 $369,286 $3,815 2.66%
BECKLEY, WV (FHA|USDA|VA) 12 $2,470,000 $205,833 $4,545 3.15%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 8 $2,120,000 $265,000 $3,930 2.72%
Oak Harbor, WA (FHA|USDA|VA) 6 $1,990,000 $331,667 $4,244 2.67%
New Castle, PA (FHA|USDA|VA) 10 $1,760,000 $176,000 $4,538 3.21%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 8 $1,710,000 $213,750 $2,621 2.98%
GAINESVILLE, GA (FHA|USDA|VA) 6 $1,690,000 $281,667 $4,820 3.08%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 4 $1,640,000 $410,000 $4,078 3.00%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 8 $1,630,000 $203,750 $6,290 3.56%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 11 $1,465,000 $133,182 $4,201 3.10%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 4 $1,390,000 $347,500 $6,591 2.69%
Morehead City, NC (FHA|USDA|VA) 4 $1,340,000 $335,000 $2,811 2.84%
Salem, OH (FHA|USDA|VA) 10 $1,260,000 $126,000 $4,635 3.00%
Meadville, PA (FHA|USDA|VA) 7 $1,195,000 $170,714 $4,887 2.91%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 5 $1,165,000 $233,000 $4,269 2.95%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $1,155,000 $385,000 $4,207 2.67%
Somerset, PA (FHA|USDA|VA) 5 $1,045,000 $209,000 $5,312 2.98%
WILMINGTON, NC (FHA|USDA|VA) 5 $995,000 $199,000 $2,610 2.80%
WINSTON-SALEM, NC (FHA|USDA|VA) 6 $980,000 $163,333 $4,561 3.25%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 4 $940,000 $235,000 $5,144 3.25%
MORGANTOWN, WV (FHA|USDA|VA) 5 $915,000 $183,000 $4,372 3.05%
Moses Lake, WA (FHA|USDA|VA) 3 $885,000 $295,000 $3,429 2.58%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 4 $870,000 $217,500 $3,350 3.06%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 3 $845,000 $281,667 $9,112 3.13%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 2 $810,000 $405,000 $5,069 2.44%
ASHEVILLE, NC (FHA|USDA|VA) 4 $800,000 $200,000 $2,579 2.97%
WENATCHEE, WA (FHA|USDA|VA) 2 $740,000 $370,000 $7,300 2.69%
JACKSONVILLE, NC (FHA|USDA|VA) 2 $730,000 $365,000 $2,956 2.81%
WHEELING, WV-OH (FHA|USDA|VA) 3 $715,000 $238,333 $4,368 3.00%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 3 $705,000 $235,000 $7,518 3.25%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $685,000 $228,333 $4,168 3.17%
PANAMA CITY, FL (FHA|USDA|VA) 2 $670,000 $335,000 $8,428 3.00%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $665,000 $221,667 $4,621 2.58%
DALTON, GA (FHA|USDA|VA) 3 $645,000 $215,000 $3,811 3.17%
RICHMOND, VA (FHA|USDA|VA) 2 $640,000 $320,000 $6,536 3.81%
WALLA WALLA, WA (FHA|USDA|VA) 2 $580,000 $290,000 $5,094 2.50%
FAYETTEVILLE, NC (FHA|USDA|VA) 3 $565,000 $188,333 $6,080 3.63%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $540,000 $270,000 $10,103 3.38%
Boone, NC (FHA|USDA|VA) 2 $530,000 $265,000 $2,642 2.88%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $530,000 $265,000 $4,750 2.94%
LANCASTER, PA (FHA|USDA|VA) 2 $520,000 $260,000 $3,767 3.00%
ROCKY MOUNT, NC (FHA|USDA|VA) 3 $485,000 $161,667 $5,362 2.96%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $480,000 $240,000 $7,080 3.19%
COLUMBUS, OH (FHA|USDA|VA) 2 $480,000 $240,000 $4,598 3.13%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $445,000 $445,000 $3,248 2.75%
YORK-HANOVER, PA (FHA|USDA|VA) 2 $440,000 $220,000 $6,740 5.88%
CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $430,000 $215,000 $4,324 2.88%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $405,000 $405,000 $6,150 2.25%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $395,000 $395,000 $8,158 2.63%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $390,000 $195,000 $7,929 3.06%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 2 $370,000 $185,000 $2,568 2.69%
YAKIMA, WA (FHA|USDA|VA) 1 $365,000 $365,000 $3,890 2.63%
SAVANNAH, GA (FHA|USDA|VA) 1 $325,000 $325,000 $6,047 2.88%
GETTYSBURG, PA (FHA|USDA|VA) 2 $320,000 $160,000 $5,818 3.38%
Shelton, WA (FHA|USDA|VA) 1 $315,000 $315,000 $4,288 2.63%
Calhoun, GA (FHA|USDA|VA) 2 $310,000 $155,000 $7,102 4.19%
CHICO, CA (FHA|USDA|VA) 1 $305,000 $305,000 $8,345 3.63%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $305,000 $305,000 $3,710 2.75%
LEBANON, PA (FHA|USDA|VA) 1 $305,000 $305,000 $9,138 2.63%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $295,000 $295,000 $3,804 2.75%
Indiana, PA (FHA|USDA|VA) 3 $295,000 $98,333 $4,655 2.83%
Henderson, NC (FHA|USDA|VA) 1 $295,000 $295,000 $1,904 2.88%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $285,000 $285,000 $8,950 3.13%
VISALIA, CA (FHA|USDA|VA) 1 $285,000 $285,000 $8,992 4.00%
AKRON, OH (FHA|USDA|VA) 2 $280,000 $140,000 $3,425 3.19%
Oil City, PA (FHA|USDA|VA) 3 $275,000 $91,667 $4,062 3.33%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $275,000 $275,000 $29,177 2.75%
Ashtabula, OH (FHA|USDA|VA) 2 $270,000 $135,000 $4,859 3.00%
Jefferson, GA (FHA|USDA|VA) 1 $265,000 $265,000 $12,569 3.00%
LOUISVILLE, KY (FHA|USDA|VA) 1 $255,000 $255,000 $3,026 3.25%
Clarksburg, WV (FHA|USDA|VA) 1 $245,000 $245,000 $3,182 2.88%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $245,000 $245,000 $4,174 3.00%
READING, PA (FHA|USDA|VA) 1 $245,000 $245,000 $3,652 3.13%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $245,000 $245,000 $3,967 3.25%
Wilson, NC (FHA|USDA|VA) 1 $235,000 $235,000 $2,932 2.75%
Marietta, OH (FHA|USDA|VA) 1 $235,000 $235,000 $3,584 2.88%
GREENVILLE, NC (FHA|USDA|VA) 1 $225,000 $225,000 $8,168 2.75%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $225,000 $225,000 $14,180 3.63%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $215,000 $215,000 $3,135 2.75%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $205,000 $205,000 $3,259 3.25%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $205,000 $205,000 $1,891 3.25%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $205,000 $205,000 $3,698 3.63%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $205,000 $205,000 $4,827 2.75%
COLUMBIA, SC (FHA|USDA|VA) 2 $200,000 $100,000 $2,737 3.13%
ERIE, PA (FHA|USDA|VA) 2 $200,000 $100,000 $5,281 3.31%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $185,000 $185,000 $6,098 2.75%
WACO, TX (FHA|USDA|VA) 1 $185,000 $185,000 $5,214 2.50%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $175,000 $175,000 $8,081 4.63%
Arcadia, FL (FHA|USDA|VA) 1 $175,000 $175,000 $7,074 3.63%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $165,000 $165,000 $3,789 3.25%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $165,000 $165,000 $3,056 2.75%
Albemarle, NC (FHA|USDA|VA) 1 $165,000 $165,000 $10,439 3.88%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $155,000 $155,000 $4,210 2.88%
KNOXVILLE, TN (FHA|USDA|VA) 1 $145,000 $145,000 $2,927 4.50%
Fairmont, WV (FHA|USDA|VA) 1 $145,000 $145,000 $2,903 2.88%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $145,000 $145,000 $2,927 3.63%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $145,000 $145,000 $3,551 2.88%
Huntsville, TX (FHA|USDA|VA) 1 $135,000 $135,000 $2,497 4.00%
Warren, PA (FHA|USDA|VA) 1 $125,000 $125,000 $3,594 2.75%
SUMTER, SC (FHA|USDA|VA) 1 $125,000 $125,000 $2,475 2.75%
STAUNTON, VA (FHA|USDA|VA) 1 $125,000 $125,000 $2,723 2.88%
Lawrenceburg, TN (FHA|USDA|VA) 1 $115,000 $115,000 $2,461 2.88%
Norwalk, OH (FHA|USDA|VA) 1 $115,000 $115,000 $4,655 4.13%
Fremont, OH (FHA|USDA|VA) 1 $105,000 $105,000 $4,807 3.38%
Ashland, OH (FHA|USDA|VA) 1 $95,000 $95,000 $6,311 2.38%
Eufaula, AL-GA (FHA|USDA|VA) 1 $95,000 $95,000 $2,752 2.50%
Sevierville, TN (FHA|USDA|VA) 1 $95,000 $95,000 $3,410 3.25%
DuBois, PA (FHA|USDA|VA) 1 $65,000 $65,000 $2,874 2.63%
Elkins, WV (FHA|USDA|VA) 1 $65,000 $65,000 $4,300 2.75%
Victorian Finance's top markets include Pittsburgh, Durham, Charleston, Seattle, and Houston among others.

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

    Liberty Bank
    Similarity Rank: 68
    M. S. Flynn, Inc.
    Similarity Rank: 236
    TRI BORO
    Similarity Rank: 264
    WEBER STATE FEDERAL CREDIT UNION
    Similarity Rank: 329
    TRISTAR FINANCE, INC.
    Similarity Rank: 378
    Community Trust Bank, Inc.
    Similarity Rank: 402
    WELCOME HOME FINANCE, L.P.
    Similarity Rank: 456
    The Ohio Valley Bank Company
    Similarity Rank: 480
    AAXY L.L.C.
    Similarity Rank: 522

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,279 $541,565,000 $237,633 $4,174 3.01%
    FHA 821 $133,665,000 $162,808 $6,954 3.27%
    USDA 200 $27,270,000 $136,350 $5,249 3.11%
    VA 188 $47,220,000 $251,170 $5,246 2.93%

    For 2020, Victorian Finance's most frequently originated type of loan was Conventional, with 2,279 originations. Their 2nd most popular type was FHA, with 821 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,328 $461,860,000 $198,393 $5,345 3.11%
    Refi 833 $206,145,000 $247,473 $3,915 2.93%
    Cash Out Refi 327 $81,715,000 $249,893 $4,764 3.18%

    For 2020, Victorian Finance's most frequently cited loan purpose was Home Purchase, with 2,328 originations. The 2nd most popular reason was Refi, with 833 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,045 $654,615,000 $214,980 $5,112 3.12%
    15 Year 301 $61,535,000 $204,435 $3,797 2.72%
    20 Year 104 $24,910,000 $239,519 $4,000 2.92%
    Other 30 $7,510,000 $250,333 $3,662 2.98%
    10 Year 8 $1,150,000 $143,750 $3,239 2.58%

    For 2020, Victorian Finance's most frequently cited loan duration was 30 Year, with 3,045 originations. The 2nd most popular length was 15 Year, with 301 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,959 $393,905,000 $201,075
    $<1k 705 $168,965,000 $239,667
    $2k-3k 401 $76,135,000 $189,863
    $3k-4k 200 $45,940,000 $229,700
    $4k-5k 116 $29,200,000 $251,724
    $5k+ 104 $35,320,000 $339,615

    Victorian Finance's average total fees were $5,112, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,959 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 1,740 $397,270,000 $228,316
    3-4% 1,189 $228,655,000 $192,309
    <2.5% 398 $96,700,000 $242,965
    4-5% 148 $24,970,000 $168,716
    5-6% 8 $1,110,000 $138,750
    Over 8% 3 $495,000 $165,000
    7-8% 2 $520,000 $260,000

    During 2020, Victorian Finance's average interest rate for loans was 3.12%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,740 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,447 $217,175,000 $150,086 $4,763 3.10%
    $200k-400k 1,337 $368,705,000 $275,770 $5,289 3.00%
    $100,000 or less 436 $32,660,000 $74,908 $3,918 3.32%
    $400k-600k 248 $116,630,000 $470,282 $5,793 2.88%
    $600k-1MM 20 $14,550,000 $727,500 $7,536 3.08%

    2020 saw Victorian Finance place emphasis on $100k-200k loans with 1,447 originations, totaling $217,175,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 873 $151,765,000 $173,843 $5,133 3.12%
    $50k or less 770 $101,060,000 $131,247 $4,643 3.15%
    $100k-150k 680 $176,890,000 $260,132 $4,921 3.04%
    $75k-100k 590 $125,000,000 $211,864 $5,097 3.07%
    $150k-250k 417 $134,735,000 $323,106 $5,014 2.95%
    $250k+ 158 $60,270,000 $381,456 $4,806 2.92%

    Victorian Finance lent most frequently to those with incomes in the $50k-75k range, with 873 originations. The second most popular income band? $50k or less, with 770 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 844 $179,160,000 $212,275 $4,443 3.04%
    30-36% 641 $136,975,000 $213,690 $4,829 3.06%
    <20% 378 $87,450,000 $231,349 $3,998 2.92%
    50-60% 213 $37,695,000 $176,972 $6,844 3.17%
    40% 120 $24,740,000 $206,167 $5,484 3.21%
    41% 118 $26,190,000 $221,949 $5,019 3.11%
    37% 118 $25,320,000 $214,576 $5,120 3.10%
    38% 116 $26,960,000 $232,414 $4,808 3.04%
    43% 113 $21,945,000 $194,204 $5,088 3.13%
    42% 112 $24,940,000 $222,679 $5,077 3.21%
    36% 112 $24,270,000 $216,696 $5,357 3.06%
    44% 104 $22,480,000 $216,154 $5,694 3.22%
    39% 98 $21,180,000 $216,122 $5,435 3.22%
    49% 83 $17,165,000 $206,807 $5,628 3.28%
    45% 73 $15,775,000 $216,096 $5,497 3.15%
    47% 72 $15,110,000 $209,861 $5,227 3.05%
    48% 63 $14,195,000 $225,317 $5,565 3.08%
    46% 57 $13,235,000 $232,193 $5,536 3.10%
    >60% 8 $2,520,000 $315,000 $7,773 2.73%

    Victorian Finance lent most frequently to those with DTI ratios of 20-30%, with 844 originations. The next most common DTI ratio? 30-36%, with 641 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,952 $621,470,000 $210,525 $4,922 3.07%
    Not provided 249 $63,925,000 $256,727 $4,878 3.01%
    Black 179 $36,555,000 $204,218 $5,662 3.27%
    Asian 84 $22,350,000 $266,071 $4,569 2.92%
    Not applicable 15 $3,235,000 $215,667 $5,143 3.14%
    American Indian 7 $1,785,000 $255,000 $5,052 3.23%
    Native Hawaiian or Islander 2 $400,000 $200,000 $3,197 3.69%

    Approval Rates

    Total approvals of all applications
    98.86%

    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
    73.62%

    Victorian Finance has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,488 $749,720,000 $214,943

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 70 $8,950,000 $127,857
    Single Family (1-4 Units):Site-Built 3,418 $740,770,000 $216,726

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 65 $11,805,000 $181,615 $3,161 2.83%
    40-60% 245 $57,055,000 $232,878 $3,538 2.87%
    60-80% 1,002 $247,880,000 $247,385 $4,228 3.03%
    80-100% 2,125 $420,385,000 $197,828 $5,434 3.13%
    Over 100% 48 $12,340,000 $257,083 $8,315 3.01%
    Under 20% 3 $255,000 $85,000 $2,495 2.75%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    VICTORIAN FINANCE, LLC FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%