VICTORIA Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Victoria averaged
6.82%
for the week of 2026-05-28, compared to the national average of
6.53% for the same period.
The average rate for the prior week (2026-05-21) was
6.9% and
one month ago for the week of 2026-04-23, the
average rate was 6.72%.
Victoria's average rate one year ago was 7.35%.
For refis of the same type during the week of 2026-05-28, the average rate
was 7.13%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-05-28 | 6.53% |
| Victoria 30 Year Fixed Rate | 2026-05-28 | 6.82% |
| Victoria 30 Year Fixed Rate Refi | 2026-05-28 | 7.13% |
| Victoria 15 Year Fixed Rate | 2026-05-28 | 5.97% |
| Victoria 15 Year Fixed Rate Refi | 2026-05-28 | 6.47% |
| Victoria 30 Year FHA | 2026-05-28 | 0.02% |
| Victoria 30 Year FHA Refi | 2026-05-28 | 0% |
| Victoria 30 Year USDA | 2026-05-28 | 0% |
| Victoria 30 Year USDA Refi | 2026-05-28 | 0% |
| Victoria 30 Year VA | 2026-05-28 | 0.01% |
| Victoria 30 Year VA Refi | 2026-05-28 | -0.1% |
VICTORIA Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the VICTORIA, TX market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
VICTORIA Average Closing Costs & Other Stats
VICTORIA, TX's 76 lenders originated 1,116
loans during 2024. The total origination value was $255,620,000, with an average loan value of
$229,050.
VICTORIA's average closing costs are $5,943.
The top VICTORIA lender as defined by loan originations is TEXAS DOW EMPLOYEES CREDIT UNION, with
80 loans originated. Their average total fees are
$4,749, which is $2,904
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee VICTORIA lenders (with over 10 loans originated) are
FIRST CHOICE MH LLC ($2,639), JPMorgan Chase Bank ($4,205), Prosperity Bank ($4,255), TEXAS DOW EMPLOYEES CREDIT UNION ($4,749) and Wallick & Volk, Inc. ($6,013).
The lowest rate VICTORIA lenders (with over 10 loans originated) are
JPMorgan Chase Bank (6.35%), Wallick & Volk, Inc. (6.47%), Prosperity Bank (6.61%), LOANDEPOT.COM, LLC (6.76%) and UNITED WHOLESALE MORTGAGE, LLC (6.91%).
VICTORIA, TX Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Wallick & Volk, Inc. | $31,060,000 | $33,905,000 | 9.2% | 13.3% |
| TEXAS DOW EMPLOYEES CREDIT UNION | $20,800,000 | $23,170,000 | 11.4% | 9.1% |
| QUICKEN LOANS, LLC | $8,350,000 | $20,030,000 | 139.9% | 7.8% |
| UNITED WHOLESALE MORTGAGE, LLC | $22,880,000 | $18,620,000 | -18.6% | 7.3% |
| Prosperity Bank | $40,980,000 | $18,085,000 | -55.9% | 7.1% |
| Mortgage Research Center, LLC | $6,180,000 | $7,450,000 | 20.6% | 2.9% |
| Farm Credit Mid-America, ACA | $870,000 | $5,650,000 | 549.4% | 2.2% |
| JPMorgan Chase Bank | $1,970,000 | $5,525,000 | 180.5% | 2.2% |
| MORTGAGE FINANCIAL SERVICES, LLC | $280,000 | $4,750,000 | 1,596.4% | 1.9% |
| PENNYMAC LOAN SERVICES, LLC | $890,000 | $4,610,000 | 418.0% | 1.8% |
| UNION HOME MORTGAGE CORP. | $290,000 | $3,840,000 | 1,224.1% | 1.5% |
| Network Funding, L.P. | $690,000 | $3,420,000 | 395.7% | 1.3% |
| Newfirst National Bank | $2,995,000 | $3,110,000 | 3.8% | 1.2% |
| 21ST MORTGAGE CORPORATION | $3,605,000 | $3,040,000 | -15.7% | 1.2% |
| First National Bank in Port Lavaca | $2,055,000 | $3,030,000 | 47.4% | 1.2% |
| GUILD MORTGAGE COMPANY | $445,000 | $2,960,000 | 565.2% | 1.2% |
| FIRST CHOICE MH LLC | $920,000 | $2,835,000 | 208.2% | 1.1% |
| Wells Fargo Bank | $2,475,000 | $2,810,000 | 13.5% | 1.1% |
| LOANDEPOT.COM, LLC | $365,000 | $2,780,000 | 661.6% | 1.1% |
| Plains Commerce Bank | $1,565,000 | $2,765,000 | 76.7% | 1.1% |
| BROKER SOLUTIONS, INC. | $650,000 | $2,705,000 | 316.2% | 1.1% |
| FIRST STATE BANK | $2,085,000 | $2,590,000 | 24.2% | 1.0% |
| PLAZA HOME MORTGAGE, INC. | $285,000 | $2,125,000 | 645.6% | 0.8% |
| Mr. Cooper ( Nationstar Mortgage ) | $485,000 | $2,050,000 | 322.7% | 0.8% |
| WESTSTAR MORTGAGE CORPORATION | $4,620,000 | $2,010,000 | -56.5% | 0.8% |
| FREEDOM MORTGAGE CORPORATION | $725,000 | $1,905,000 | 162.8% | 0.7% |
| USAA Federal Savings Bank | $1,125,000 | $1,820,000 | 61.8% | 0.7% |
| GUARANTEED RATE, INC. | $765,000 | $1,775,000 | 132.0% | 0.7% |
| TrustTexas Bank, SSB | $1,760,000 | $1,775,000 | 0.9% | 0.7% |
| Crossroads Bank | $2,665,000 | $1,750,000 | -34.3% | 0.7% |
| CMG MORTGAGE, INC. | $2,075,000 | $1,715,000 | -17.3% | 0.7% |
| First National Bank of Shiner | $1,745,000 | $1,705,000 | -2.3% | 0.7% |
| NAVY ARMY COMMUNITY CREDIT UNION | $960,000 | $1,695,000 | 76.6% | 0.7% |
| Gateway First Bank | $580,000 | $1,640,000 | 182.8% | 0.6% |
| LENDINGHOME FUNDING CORPORATION | $455,000 | $1,550,000 | 240.7% | 0.6% |
| VILLAGE CAPITAL MORTGAGE | $1,490,000 | n/a | 0.6% | |
| Equity Prime Mortgage LLC | $1,040,000 | $1,450,000 | 39.4% | 0.6% |
| Jefferson Bank | $1,425,000 | n/a | 0.6% | |
| Flagstar Bank, FSB | $1,050,000 | $1,400,000 | 33.3% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $1,960,000 | $1,310,000 | -33.2% | 0.5% |
| BancorpSouth | $1,305,000 | n/a | 0.5% | |
| TRIAD FINANCIAL SERVICES, INC. | $1,980,000 | $1,280,000 | -35.4% | 0.5% |
| CARDINAL FINANCIAL | $2,675,000 | $1,255,000 | -53.1% | 0.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $990,000 | $1,235,000 | 24.7% | 0.5% |
| Frost Bank | $1,380,000 | $1,110,000 | -19.6% | 0.4% |
| The Huntington National Bank | $1,005,000 | n/a | 0.4% | |
| U.S. Bank | $1,140,000 | $955,000 | -16.2% | 0.4% |
| CALCON MUTUAL MORTGAGE LLC | $925,000 | n/a | 0.4% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $500,000 | $880,000 | 76.0% | 0.3% |
| INTERLINC MORTGAGE SERVICES, LLC | $725,000 | $845,000 | 16.6% | 0.3% |
| Lakeview Community Capital, LLC | $840,000 | n/a | 0.3% | |
| PREMIA MORTGAGE, LLC | $760,000 | n/a | 0.3% | |
| BMO Harris Bank | $730,000 | n/a | 0.3% | |
| LIMA ONE CAPITAL, LLC | $3,055,000 | $730,000 | -76.1% | 0.3% |
| RANDOLPH-BROOKS | $965,000 | $685,000 | -29.0% | 0.3% |
| V.I.P. MORTGAGE, INC. | $225,000 | $680,000 | 202.2% | 0.3% |
| SECURITYNATIONAL MORTGAGE COMPANY | $535,000 | $675,000 | 26.2% | 0.3% |
| First Community Bank | $275,000 | $670,000 | 143.6% | 0.3% |
| S1L, Inc. | $215,000 | $670,000 | 211.6% | 0.3% |
| Extraco Banks | $465,000 | $665,000 | 43.0% | 0.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $435,000 | $655,000 | 50.6% | 0.3% |
| BETTER MORTGAGE CORPORATION | $645,000 | n/a | 0.3% | |
| Citizens National Bank, N.A. | $645,000 | n/a | 0.3% | |
| American Bank | $1,375,000 | $625,000 | -54.5% | 0.2% |
| RB MORTGAGE LLC | $135,000 | $620,000 | 359.3% | 0.2% |
| First-Citizens Bank & Trust Company | $615,000 | n/a | 0.2% | |
| CROSSCOUNTRY MORTGAGE, LLC | $670,000 | $595,000 | -11.2% | 0.2% |
| Home Mortgage Alliance Corp | $595,000 | n/a | 0.2% | |
| COUNTRYPLACE MORTGAGE, LTD. | $600,000 | $575,000 | -4.2% | 0.2% |
| Carrington Mortgage Services, LLC | $250,000 | $570,000 | 128.0% | 0.2% |
| CSL Financial, LLC | $540,000 | $555,000 | 2.8% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $540,000 | n/a | 0.2% | |
| Credit Union of Texas | $80,000 | $510,000 | 537.5% | 0.2% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $315,000 | $505,000 | 60.3% | 0.2% |
| AmeriHome Mortgage Company, LLC | $500,000 | n/a | 0.2% | |
| NFM, INC. | $235,000 | $500,000 | 112.8% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $605,000 | $480,000 | -20.7% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $460,000 | n/a | 0.2% | |
| SOUTHWEST FUNDING, LP | $460,000 | n/a | 0.2% | |
| GARDNER FINANCIAL SERVICES, LTD. | $440,000 | $450,000 | 2.3% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $330,000 | $430,000 | 30.3% | 0.2% |
| AMERICAN FINANCING CORPORATION | $720,000 | $425,000 | -41.0% | 0.2% |
| NEWREZ LLC | $1,280,000 | $410,000 | -68.0% | 0.2% |
| Lone Star National Bank | $405,000 | n/a | 0.2% | |
| The Central Trust Bank | $395,000 | n/a | 0.2% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $695,000 | $380,000 | -45.3% | 0.1% |
| First Horizon Bank | $820,000 | $375,000 | -54.3% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $375,000 | n/a | 0.1% | |
| Alliance Credit Union | $365,000 | n/a | 0.1% | |
| Community First National Bank | $365,000 | n/a | 0.1% | |
| UNIVERSITY Federal Credit Union | $450,000 | $355,000 | -21.1% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $345,000 | n/a | 0.1% | |
| UNITED BUILT HOMES, L.L.C. | $700,000 | $345,000 | -50.7% | 0.1% |
| MK LENDING CORP. | $335,000 | n/a | 0.1% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $330,000 | n/a | 0.1% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $495,000 | $315,000 | -36.4% | 0.1% |
| CLEARPATH LENDING | $315,000 | n/a | 0.1% | |
| OCMBC, INC. | $295,000 | $315,000 | 6.8% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $310,000 | n/a | 0.1% | |
| First United Bank and Trust Company | $255,000 | $305,000 | 19.6% | 0.1% |
| American Bank of Commerce | $300,000 | n/a | 0.1% | |
| American Mortgage & Equity Consultants, Inc. | $295,000 | n/a | 0.1% | |
| DOMINION FINANCIAL SERVICES, LLC | $295,000 | n/a | 0.1% | |
| NBKC BANK | $285,000 | n/a | 0.1% | |
| TOWNE MORTGAGE COMPANY | $275,000 | n/a | 0.1% | |
| International Bank of Commerce | $25,000 | $270,000 | 980.0% | 0.1% |
| CORNERSTONE HOME LENDING, INC. | $515,000 | $255,000 | -50.5% | 0.1% |
| MICHIGAN MUTUAL, INC. | $115,000 | $255,000 | 121.7% | 0.1% |
| SECURITY SERVICE | $485,000 | $250,000 | -48.5% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $795,000 | $245,000 | -69.2% | 0.1% |
| Frontier Bank of Texas | $245,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $235,000 | n/a | 0.1% | |
| Encompass Lending Group, LP | $235,000 | n/a | 0.1% | |
| PILGRIM MORTGAGE LLC | $235,000 | n/a | 0.1% | |
| Broadway National Bank | $225,000 | n/a | 0.1% | |
| COMMUNITY RESOURCE CREDIT UNION | $225,000 | n/a | 0.1% | |
| LOANPEOPLE, LLC | $245,000 | $225,000 | -8.2% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $65,000 | $210,000 | 223.1% | 0.1% |
| A+ Federal Credit Union | $35,000 | $205,000 | 485.7% | 0.1% |
| Bank of America | $1,335,000 | $205,000 | -84.6% | 0.1% |
| First National Bank Texas | $155,000 | $205,000 | 32.3% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $205,000 | n/a | 0.1% | |
| DAS Acquisition Company, LLC | $195,000 | n/a | 0.1% | |
| MID AMERICA MORTGAGE, INC. | $190,000 | n/a | 0.1% | |
| The Loan Store, Inc. | $185,000 | n/a | 0.1% | |
| NEW WAVE LENDING GROUP INC | $175,000 | n/a | 0.1% | |
| TJC Mortgage, Inc. | $175,000 | n/a | 0.1% | |
| Discover Bank | $700,000 | $170,000 | -75.7% | 0.1% |
| EVERETT FINANCIAL, INC. | $165,000 | n/a | 0.1% | |
| FIRST SERVICE Credit Union | $165,000 | n/a | 0.1% | |
| LOANPAL, LLC | $350,000 | $155,000 | -55.7% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $220,000 | $150,000 | -31.8% | 0.1% |
| LENDINGONE, LLC | $145,000 | n/a | 0.1% | |
| MERCO Credit Union | $145,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $235,000 | $140,000 | -40.4% | 0.1% |
| Florida Capital Bank | $135,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $135,000 | n/a | 0.1% | |
| PNC Bank | $665,000 | $120,000 | -82.0% | 0.0% |
| FirstBank | $95,000 | $115,000 | 21.1% | 0.0% |
| GMFS LLC | $115,000 | n/a | 0.0% | |
| Regions Bank | $135,000 | $105,000 | -22.2% | 0.0% |
| United Heritage Credit Union | $195,000 | $105,000 | -46.2% | 0.0% |
| H E B | $750,000 | $95,000 | -87.3% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $85,000 | n/a | 0.0% | |
| NATIONS RELIABLE LENDING, LLC | $310,000 | $75,000 | -75.8% | 0.0% |
| Figure Lending LLC | $55,000 | n/a | 0.0% | |
| GREATER TEXAS FEDERAL CREDIT UNION | $45,000 | n/a | 0.0% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $360,000 | $45,000 | -87.5% | 0.0% |
| AMPLIFY | $115,000 | $35,000 | -69.6% | 0.0% |
VICTORIA's top lender by overall market share is Wallick & Volk, Inc., with 13.3% market share. In second place, with 9.1%, is TEXAS DOW EMPLOYEES CREDIT UNION, having originated $23,170,000 in loans. In third place, with 7.8%, is QUICKEN LOANS, LLC, having originated $20,030,000 in loans. In fourth place, with 7.3%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $18,620,000 in loans. In fifth place, with 7.1%, is Prosperity Bank, having originated $18,085,000 in loans.
VICTORIA, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 850 | $210,140,000 | $247,224 |
| Cash Out Refi | 94 | $18,060,000 | $192,128 |
| Refi | 74 | $16,900,000 | $228,378 |
| Other | 62 | $6,260,000 | $100,968 |
| Home Improvement | 36 | $4,260,000 | $118,333 |
Victoria's most frequently cited loan purpose was Home Purchase, with 850 originations. The 2nd most popular reason was Cash Out Refi, with 94 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 483 | $124,995,000 | $258,789 |
| 7-8% | 217 | $50,555,000 | $232,972 |
| Over 8% | 179 | $20,555,000 | $114,832 |
| 5-6% | 146 | $39,120,000 | $267,945 |
| <2.5% | 7 | $55,000 | $7,857 |
| 4-5% | 4 | $1,320,000 | $330,000 |
| 3-4% | 2 | $550,000 | $275,000 |
| 2.5-3% | 1 | $255,000 | $255,000 |
During 2024, Victoria's most frequently originated rate bucket was 6-7%, with 483 originations.
Loan Sizing (VICTORIA, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 471 | $129,205,000 | $274,321 |
| $100k-200k | 346 | $51,090,000 | $147,659 |
| $100,000 or less | 193 | $13,135,000 | $68,057 |
| $400k-600k | 78 | $37,300,000 | $478,205 |
| $600k-1000k | 20 | $14,680,000 | $734,000 |
| $Over $1MM | 8 | $10,210,000 | $1,276,250 |
VICTORIA's loan sizing saw the bucket of loans from $200k-400k with 471 originations, totaling $129,205,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 593 | $157,005,000 | $264,764 |
| 60-80% | 239 | $49,045,000 | $205,209 |
| 40-60% | 71 | $13,385,000 | $188,521 |
| 20-40% | 66 | $6,770,000 | $102,576 |
| Under 20% | 29 | $1,075,000 | $37,069 |
| Over 100% | 20 | $4,990,000 | $249,500 |
VICTORIA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 593 originations, totaling $157,005,000 in origination value.