Victorian Finance Mortgage Rates, Fees & Info
Pittsburgh, PALEI: 549300Y7G2MW6V1OR474
Tax ID: 26-0084919
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
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% | 4/21/24 |
| 30 Year Conventional Refi | 6.62% | 4/21/24 |
| 30 Year Cash-out Refi | 6.90% | 4/21/24 |
| 30 Year FHA Purchase | 7.55% | 4/21/24 |
| 30 Year FHA Refi | 7.31% | 4/21/24 |
| 30 Year VA Purchase | 6.51% | 4/21/24 |
| 30 Year VA Refi | 6.18% | 4/21/24 |
| 30 Year USDA Purchase | 6.93% | 4/21/24 |
| 30 Year USDA Refi | 6.27% | 4/21/24 |
| 15 Year Conventional Purchase | 6.24% | 4/21/24 |
| 15 Year Conventional Refi | 5.91% | 4/21/24 |
| 15 Year Cash-out Refi | 5.91% | 4/21/24 |
| 15 Year FHA Purchase | 7.42% | 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. | ||
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
1,537Origination Dollar Volume (All Markets)
$386,865,000Awards
Victorian Finance - 2022
Victorian Finance is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
Work for Victorian Finance?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
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% |
Their top states include:
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.
Similarity Rank: 9
Similarity Rank: 48
Similarity Rank: 49
Similarity Rank: 78
Similarity Rank: 92
Similarity Rank: 96
Similarity Rank: 125
Similarity Rank: 192
Similarity Rank: 249
Similarity Rank: 280
Product Mix
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
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
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
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
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
2022 saw Victorian Finance place emphasis on $100k-200k loans with 602 originations, totaling $90,780,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications98.05%
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 origination66.10%
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 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| VICTORIAN FINANCE, LLC | Conventional home mortgage | Trouble during payment process | 1 | 100.0% |