VICTORIA Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Victoria averaged 6.88% for the week of 2022-12-01, compared to the national average of 6.49% for the same period.

The average rate for the prior week (2022-11-23) was 7.17% and one month ago for the week of 2022-10-27, the average rate was 7.77%.

Victoria's average rate one year ago was 3.44%.

For refis of the same type during the week of 2022-12-01, the average rate was 6.78%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-12-01 6.49%
Victoria 30 Year Fixed Rate 2022-12-01 6.88%
Victoria 30 Year Fixed Rate Refi 2022-12-01 6.78%
Victoria 15 Year Fixed Rate 2022-12-01 6.62%
Victoria 15 Year Fixed Rate Refi 2022-12-01 5.83%
Victoria 30 Year FHA 2022-12-01 6.54%
Victoria 30 Year FHA Refi 2022-12-01 6.33%
Victoria 30 Year USDA 2022-12-01 6.41%
Victoria 30 Year VA 2022-12-01 6.54%
Victoria 30 Year VA Refi 2022-12-01 6.35%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within VICTORIA, TX.

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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
TEXAS DOW EMPLOYEES CREDIT UNION 173 3.79% $4,622
QUICKEN LOANS, LLC 82 3.20% $4,789
Wallick & Volk, Inc. 79 3.07% $5,534
Prosperity Bank 79 3.20% $3,620
UNITED WHOLESALE MORTGAGE, LLC 55 3.12% $3,620
Wells Fargo Bank 42 3.10% $3,600
WESTSTAR MORTGAGE CORPORATION 39 2.99% $5,266
AMCAP MORTGAGE, LTD. 19 3.03% $6,155
HOME POINT FINANCIAL CORPORATION 16 3.19% $4,663
LOANDEPOT.COM, LLC 11 3.12% $4,785
CALIBER HOME LOANS, INC. 11 3.10% $4,233
BETTER MORTGAGE CORPORATION 10 2.89% $4,982
PENNYMAC LOAN SERVICES, LLC 9 3.11% $4,354
AMERISAVE MORTGAGE CORPORATION 8 2.95% $4,973
MASON MCDUFFIE MORTGAGE CORPORATION 6 3.06% $4,363
NEWREZ LLC 6 3.12% $4,347
UNION HOME MORTGAGE CORP. 6 3.33% $4,226
CORNERSTONE HOME LENDING, INC. 5 3.03% $5,975
Goldwater Bank, N.A. 5 3.22% $5,778
Gateway First Bank 5 3.78% $5,685
NATIONS RELIABLE LENDING, LLC 5 3.10% $5,853
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 3.27% $4,508
Mr. Cooper ( Nationstar Mortgage ) 5 3.40% $7,770
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 4 3.15% $5,319
GUILD MORTGAGE COMPANY 4 3.15% $9,384
Regions Bank 4 3.28% $7,156
ROYAL UNITED MORTGAGE LLC 4 3.56% $6,984
INFINITY MORTGAGE HOLDINGS, LLC 3 2.79% $3,488
NAVY FEDERAL CREDIT UNION 3 2.83% $5,981
Bank of America 3 2.92% $2,646
TIAA, FSB 3 3.08% $3,051
FINANCE OF AMERICA MORTGAGE LLC 3 3.33% $6,617
CRESCENT MORTGAGE COMPANY 3 3.46% $3,590
JPMorgan Chase Bank 3 3.16% $3,653
R Bank 3 2.96% $3,552
Wyndham Capital Mortgage, Inc. 2 2.88% $2,606
AMERICAN FINANCING CORPORATION 2 2.81% $6,917
ANGEL OAK MORTGAGE SOLUTIONS LLC 2 5.13% $6,647
ASPIRE FINANCIAL, INC. 2 3.19% $4,971
BOKF 2 2.88% $3,245
DIRECTIONS EQUITY, LLC 2 3.00% $5,183
FREEDOM MORTGAGE CORPORATION 2 2.94% $2,287
HOMEBRIDGE FINANCIAL SERVICES, INC. 2 3.06% $6,176
HOMEOWNERS FINANCIAL GROUP USA, LLC 2 3.63% $4,975
HOMESIDE FINANCIAL, LLC 2 2.87% $5,288
KELLER MORTGAGE, LLC 2 3.50% $2,031
MOVEMENT MORTGAGE, LLC 2 3.25% $1,679
Nations Lending Corporation 2 3.13% $6,734
NexBank 2 3.06% $5,405
Paramount Residential Mortgage Group, Inc. 2 3.56% $3,235
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 4.06% $4,582
Residential Mortgage Solutions, Inc. 2 3.38% $5,566
S1L, Inc. 2 3.19% $4,420
SECURITY SERVICE 2 3.25% $2,427
SOUTHWEST FUNDING, LP 2 3.25% $10,485
U.S. Bank 2 3.31% $3,153
International Bank of Commerce 1 3.63% $3,989
First Savings Bank 1 3.63% $17,797
BECKAM FUNDING CORP. 1 2.88% $1,698
LAKEVIEW LOAN SERVICING, LLC 1 3.75% $3,216
LIBERTY HOME MORTGAGE CORPORATION 1 3.63% $3,141
First National Bank Texas 1 2.99% $4,578
First Mortgage Solutions, LLC 1 2.50% $6,530
MEGA CAPITAL FUNDING, INC. 1 2.63% $6,481
MEMBER HOME LOAN, L.L.C. 1 3.00% $4,597
MID AMERICA MORTGAGE, INC. 1 2.88% $3,795
MORIA DEVELOPMENT, INC. 1 4.13% $4,109
Bank of England 1 3.38% $5,134
FIRST COMMUNITY MORTGAGE, INC. 1 3.38% $4,908
M&T Bank 1 3.00% $5,142
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 3.25% $4,328
Extraco Banks 1 3.25% $5,468
EVANSVILLE TEACHERS 1 3.00% $2,059
Network Funding, L.P. 1 2.99% $4,092
DELMAR FINANCIAL COMPANY 1 2.88% $4,916
UNIVERSITY Federal Credit Union 1 3.75% $3,690
North American Savings Bank, F.S.B. 1 2.88% $1,736
OCEANSIDE MORTGAGE COMPANY 1 3.25% $1,822
Origin Bank 1 2.88% $3,625
USAA Federal Savings Bank 1 2.88% $6,383
CROSSCOUNTRY MORTGAGE, LLC 1 4.38% $4,394
PHH Mortgage Corporation 1 2.88% $7,392
Plains Commerce Bank 1 3.50% $3,442
PNC Bank 1 3.25% $7,174
21ST MORTGAGE CORPORATION 1 7.05% $6,294
CMG MORTGAGE, INC. 1 3.63% $4,010
PROVIDENT FUNDING ASSOCIATES, L.P. 1 2.63% $5,300
City Bank 1 3.63% $7,543
RANDOLPH-BROOKS 1 3.13% $7,802
Citizens Bank 1 2.88% $4,747
CHURCHILL MORTGAGE CORPORATION 1 3.25% $4,137
AMERICAN INTERNET MORTGAGE, INC. 1 3.00% $3,553
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 3.25% $2,871
CELEBRITY HOME LOANS, LLC 1 3.13% $7,050
Watermark Capital, Inc. 1 2.99% $3,993
SECURITYNATIONAL MORTGAGE COMPANY 1 3.63% $4,058
Amarillo National Bank 1 2.88% $3,094
SIWELL, INC. 1 3.25% $4,365
SOFI LENDING CORP. 1 3.38% $2,471
Southwest Airlines Federal Credit Union 1 2.88% $5,593
A&D Mortgage LLC 1 4.38% $7,954
Stifel Bank and Trust 1 3.13% $2,759
SUCCESS MORTGAGE PARTNERS, INC. 1 2.88% $4,834
SUMMIT FUNDING, INC. 1 3.13% $6,510
SWBC MORTGAGE CORPORATION 1 2.75% $3,365
Texana Bank 1 3.13% $9,289
Carrington Mortgage Services, LLC 1 3.38% $5,460
Greenbox Loans, Inc. 1 5.00% $11,980
GUARANTEED RATE AFFINITY, LLC 1 2.88% $1,532
GUARANTEED RATE, INC. 1 3.25% $2,634
Guaranty Bank & Trust, N.A. 1 4.00% $3,988
GREAT WESTERN FINANCIAL SERVICES, INC. 1 4.38% $5,514
HAMILTON HOME LOANS, INC. 1 4.50% $3,993
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 3.63% $2,874
Texas Mortgage Lending, LLC 1 3.25% $4,053
HOME FINANCING UNLIMITED, INC. 1 2.88% $5,285
TEXAS TRUST 1 2.75% $3,006
Flagstar Bank, FSB 1 2.88% $10,276
THE MORTGAGE FIRM, INC. 1 3.13% $4,871
Independent Bank 1 2.88% $2,598
FIRST SERVICE Credit Union 1 2.88% $4,358

VICTORIA Average Closing Costs & Other Stats

VICTORIA, TX's 121 lenders originated 2,342 loans during 2021. The total origination value was $524,850,000, with an average loan value of $224,103.

VICTORIA's average closing costs are $5,244.

The top VICTORIA lender as defined by loan originations is TEXAS DOW EMPLOYEES CREDIT UNION, with 173 loans originated. Their average total fees are $4,622, which is $167 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee VICTORIA lenders (with over 10 loans originated) are Wells Fargo Bank ($3,600), UNITED WHOLESALE MORTGAGE, LLC ($3,620), Prosperity Bank ($3,620), CALIBER HOME LOANS, INC. ($4,233) and TEXAS DOW EMPLOYEES CREDIT UNION ($4,622).

The lowest rate VICTORIA lenders (with over 10 loans originated) are BETTER MORTGAGE CORPORATION (2.89%), WESTSTAR MORTGAGE CORPORATION (2.99%), AMCAP MORTGAGE, LTD. (3.03%), Wallick & Volk, Inc. (3.07%) and Wells Fargo Bank (3.10%).

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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
Prosperity Bank $32,565,000 $47,900,000 47.1% 9.1%
TEXAS DOW EMPLOYEES CREDIT UNION $53,550,000 $45,800,000 -14.5% 8.7%
Wallick & Volk, Inc. $53,450,000 $44,200,000 -17.3% 8.4%
QUICKEN LOANS, LLC $26,210,000 $41,315,000 57.6% 7.9%
Wells Fargo Bank $10,920,000 $35,375,000 223.9% 6.7%
First Community Bank $24,020,000 $25,715,000 7.1% 4.9%
UNITED WHOLESALE MORTGAGE, LLC $2,800,000 $22,035,000 687.0% 4.2%
M&T Realty Capital Corporation $16,355,000 n/a 3.1%
Cedar Rapids Bank and Trust Company $16,005,000 n/a 3.0%
WESTSTAR MORTGAGE CORPORATION $33,410,000 $15,055,000 -54.9% 2.9%
AMCAP MORTGAGE, LTD. $6,145,000 $12,390,000 101.6% 2.4%
FREEDOM MORTGAGE CORPORATION $9,865,000 $10,500,000 6.4% 2.0%
HOME POINT FINANCIAL CORPORATION $910,000 $8,865,000 874.2% 1.7%
Mortgage Research Center, LLC $4,715,000 $8,775,000 86.1% 1.7%
PENNYMAC LOAN SERVICES, LLC $3,495,000 $8,285,000 137.1% 1.6%
CALIBER HOME LOANS, INC. $2,480,000 $6,880,000 177.4% 1.3%
TrustTexas Bank, SSB $3,690,000 $5,930,000 60.7% 1.1%
First National Bank in Port Lavaca $8,410,000 $5,105,000 -39.3% 1.0%
Mr. Cooper ( Nationstar Mortgage ) $4,190,000 $5,090,000 21.5% 1.0%
21ST MORTGAGE CORPORATION $3,245,000 $5,070,000 56.2% 1.0%
NATIONS RELIABLE LENDING, LLC $4,420,000 $4,775,000 8.0% 0.9%
LOANDEPOT.COM, LLC $2,830,000 $4,240,000 49.8% 0.8%
Crossroads Bank $1,030,000 $4,135,000 301.5% 0.8%
NEWREZ LLC $1,130,000 $3,975,000 251.8% 0.8%
AMERISAVE MORTGAGE CORPORATION $2,505,000 $3,735,000 49.1% 0.7%
BETTER MORTGAGE CORPORATION $930,000 $3,725,000 300.5% 0.7%
LAKEVIEW LOAN SERVICING, LLC $1,190,000 $3,550,000 198.3% 0.7%
NAVY FEDERAL CREDIT UNION $1,685,000 $3,015,000 78.9% 0.6%
VILLAGE CAPITAL & INVESTMENT LLC $1,725,000 $2,930,000 69.9% 0.6%
UNION HOME MORTGAGE CORP. $870,000 $2,605,000 199.4% 0.5%
USAA Federal Savings Bank $2,670,000 $2,560,000 -4.1% 0.5%
Regions Bank $545,000 $2,300,000 322.0% 0.4%
MASON MCDUFFIE MORTGAGE CORPORATION $9,410,000 $2,290,000 -75.7% 0.4%
CORNERSTONE HOME LENDING, INC. $2,090,000 $2,160,000 3.3% 0.4%
Goldwater Bank, N.A. $4,215,000 $2,115,000 -49.8% 0.4%
Gateway First Bank $1,165,000 $2,070,000 77.7% 0.4%
CMG MORTGAGE, INC. $630,000 $2,020,000 220.6% 0.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,440,000 $2,010,000 -17.6% 0.4%
GUILD MORTGAGE COMPANY $1,630,000 $2,010,000 23.3% 0.4%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $850,000 $1,930,000 127.1% 0.4%
FINANCE OF AMERICA MORTGAGE LLC $605,000 $1,830,000 202.5% 0.3%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,530,000 $1,620,000 5.9% 0.3%
MOVEMENT MORTGAGE, LLC $705,000 $1,600,000 127.0% 0.3%
SOUTHWEST STAGE FUNDING, LLC $2,665,000 $1,585,000 -40.5% 0.3%
INFINITY MORTGAGE HOLDINGS, LLC $1,430,000 n/a 0.3%
Bank of America $880,000 $1,355,000 54.0% 0.3%
BROKER SOLUTIONS, INC. $1,180,000 $1,260,000 6.8% 0.2%
CHURCHILL MORTGAGE CORPORATION $1,695,000 $1,240,000 -26.8% 0.2%
Wyndham Capital Mortgage, Inc. $1,125,000 $1,240,000 10.2% 0.2%
Carrington Mortgage Services, LLC $2,805,000 $1,185,000 -57.8% 0.2%
SOUTHWEST FUNDING, LP $5,300,000 $1,165,000 -78.0% 0.2%
LEADERONE FINANCIAL CORPORATION $4,210,000 $1,100,000 -73.9% 0.2%
AmeriHome Mortgage Company, LLC $2,970,000 $1,085,000 -63.5% 0.2%
First National Bank Texas $280,000 $1,040,000 271.4% 0.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. $985,000 $1,025,000 4.1% 0.2%
Citizens Bank $155,000 $1,000,000 545.2% 0.2%
ASPIRE FINANCIAL, INC. $340,000 $995,000 192.6% 0.2%
Frost Bank $2,400,000 $995,000 -58.5% 0.2%
Low VA Rates, LLC $340,000 $985,000 189.7% 0.2%
Paramount Residential Mortgage Group, Inc. $985,000 n/a 0.2%
R Bank $285,000 $975,000 242.1% 0.2%
Investar Bank $1,555,000 $970,000 -37.6% 0.2%
U.S. Bank $830,000 $970,000 16.9% 0.2%
Hometown Equity Mortgage, LLC $950,000 n/a 0.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $1,485,000 $915,000 -38.4% 0.2%
GUARANTEED RATE, INC. $1,520,000 $910,000 -40.1% 0.2%
PHH Mortgage Corporation $895,000 n/a 0.2%
HOMESIDE FINANCIAL, LLC $830,000 n/a 0.2%
Nations Lending Corporation $820,000 n/a 0.2%
PROVIDENT FUNDING ASSOCIATES, L.P. $175,000 $815,000 365.7% 0.2%
NEW DAY FINANCIAL, LLC $720,000 $805,000 11.8% 0.2%
JPMorgan Chase Bank $2,655,000 $800,000 -69.9% 0.2%
UNITED BUILT HOMES, L.L.C. $390,000 $795,000 103.8% 0.2%
TIAA, FSB $805,000 $755,000 -6.2% 0.1%
American Bank $3,970,000 $740,000 -81.4% 0.1%
CLEARPATH LENDING $720,000 n/a 0.1%
NAVY ARMY COMMUNITY CREDIT UNION $475,000 $700,000 47.4% 0.1%
Residential Mortgage Solutions, Inc. $690,000 n/a 0.1%
S1L, Inc. $185,000 $685,000 270.3% 0.1%
Lakeview Community Capital, LLC $675,000 n/a 0.1%
Flagstar Bank, FSB $2,625,000 $635,000 -75.8% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $930,000 $610,000 -34.4% 0.1%
TRIAD FINANCIAL SERVICES, INC. $150,000 $600,000 300.0% 0.1%
CRESCENT MORTGAGE COMPANY $540,000 $595,000 10.2% 0.1%
SECURITY SERVICE $815,000 $590,000 -27.6% 0.1%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $550,000 n/a 0.1%
Commerce Home Mortgage, Inc. $540,000 n/a 0.1%
BOKF $1,280,000 $520,000 -59.4% 0.1%
NexBank $435,000 $520,000 19.5% 0.1%
Barrington Bank & Trust Company, N.A. $1,225,000 $515,000 -58.0% 0.1%
City Bank $1,035,000 $500,000 -51.7% 0.1%
ACADEMY MORTGAGE CORPORATION $265,000 $490,000 84.9% 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $315,000 $490,000 55.6% 0.1%
DIRECTIONS EQUITY, LLC $490,000 n/a 0.1%
First Mortgage Solutions, LLC $255,000 $490,000 92.2% 0.1%
FINANCE OF AMERICA REVERSE LLC $215,000 $485,000 125.6% 0.1%
First Guaranty Mortgage Corporation $440,000 $485,000 10.2% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $370,000 $480,000 29.7% 0.1%
COUNTRYPLACE MORTGAGE, LTD. $315,000 $475,000 50.8% 0.1%
First Horizon Bank $475,000 n/a 0.1%
AMERICAN FINANCIAL NETWORK, INC. $610,000 $470,000 -23.0% 0.1%
RANDOLPH-BROOKS $1,305,000 $465,000 -64.4% 0.1%
ROYAL UNITED MORTGAGE LLC $875,000 $465,000 -46.9% 0.1%
Colonial Savings, F.A. $520,000 $460,000 -11.5% 0.1%
Independent Bank $460,000 n/a 0.1%
CROSSCOUNTRY MORTGAGE, LLC $215,000 $435,000 102.3% 0.1%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $435,000 n/a 0.1%
WILLOW BEND MORTGAGE COMPANY, LLC $240,000 $430,000 79.2% 0.1%
First Savings Bank $245,000 $425,000 73.5% 0.1%
PNC Bank $460,000 $425,000 -7.6% 0.1%
EVANSVILLE TEACHERS $405,000 n/a 0.1%
HOMEOWNERS FINANCIAL GROUP USA, LLC $405,000 n/a 0.1%
Origin Bank $395,000 n/a 0.1%
CELEBRITY HOME LOANS, LLC $375,000 n/a 0.1%
KELLER MORTGAGE, LLC $105,000 $370,000 252.4% 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $715,000 $360,000 -49.7% 0.1%
Network Funding, L.P. $1,270,000 $360,000 -71.7% 0.1%
BNC National Bank $355,000 n/a 0.1%
UNIVERSITY Federal Credit Union $350,000 n/a 0.1%
LIBERTY HOME MORTGAGE CORPORATION $340,000 n/a 0.1%
EAGLE HOME MORTGAGE, LLC $335,000 n/a 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $2,565,000 $330,000 -87.1% 0.1%
FIRST COMMUNITY MORTGAGE, INC. $325,000 n/a 0.1%
North American Savings Bank, F.S.B. $465,000 $325,000 -30.1% 0.1%
AAXY L.L.C. $315,000 n/a 0.1%
Plains Commerce Bank $350,000 $315,000 -10.0% 0.1%
AMERICAN ADVISORS GROUP $315,000 $310,000 -1.6% 0.1%
AMERICAN FINANCING CORPORATION $525,000 $310,000 -41.0% 0.1%
Chicago Mortgage Solutions LLC $305,000 n/a 0.1%
Greenbox Loans, Inc. $305,000 n/a 0.1%
Loan Simple, Inc. $300,000 n/a 0.1%
DELMAR FINANCIAL COMPANY $295,000 n/a 0.1%
Extraco Banks $295,000 n/a 0.1%
InterContinental Capital Group, Inc $255,000 $295,000 15.7% 0.1%
PANORAMA MORTGAGE GROUP, LLC $295,000 n/a 0.1%
SIWELL, INC. $295,000 n/a 0.1%
MID AMERICA MORTGAGE, INC. $715,000 $290,000 -59.4% 0.1%
Broadway National Bank $285,000 n/a 0.1%
MORTGAGE FINANCIAL SERVICES, LLC $145,000 $285,000 96.6% 0.1%
International Bank of Commerce $695,000 $275,000 -60.4% 0.1%
CSL Financial, LLC $185,000 $270,000 45.9% 0.1%
Colten Mortgage, LLC $185,000 $265,000 43.2% 0.1%
FIRST SERVICE Credit Union $265,000 n/a 0.1%
MEGA CAPITAL FUNDING, INC. $265,000 n/a 0.1%
NBKC BANK $325,000 $265,000 -18.5% 0.1%
DAS Acquisition Company, LLC $235,000 $255,000 8.5% 0.0%
NP, Inc. $670,000 $255,000 -61.9% 0.0%
HOME FINANCING UNLIMITED, INC. $245,000 n/a 0.0%
Southwest Airlines Federal Credit Union $245,000 n/a 0.0%
SWBC MORTGAGE CORPORATION $430,000 $245,000 -43.0% 0.0%
First United Bank and Trust Company $65,000 $240,000 269.2% 0.0%
CityWorth Mortgage LLC $175,000 $235,000 34.3% 0.0%
PENTAGON FEDERAL CREDIT UNION $165,000 $235,000 42.4% 0.0%
Texana Bank $235,000 n/a 0.0%
Texas Mortgage Lending, LLC $235,000 n/a 0.0%
RED RIVER EMPLOYEES $105,000 $230,000 119.0% 0.0%
GUARANTEED RATE AFFINITY, LLC $225,000 n/a 0.0%
MORIA DEVELOPMENT, INC. $225,000 n/a 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $545,000 $225,000 -58.7% 0.0%
SouthStar Bank, S.S.B. $225,000 n/a 0.0%
SUMMIT FUNDING, INC. $225,000 n/a 0.0%
The Federal Savings Bank $225,000 n/a 0.0%
First State Bank $220,000 n/a 0.0%
Austin Capital Bank SSB $215,000 n/a 0.0%
CALCON MUTUAL MORTGAGE LLC $165,000 $215,000 30.3% 0.0%
CONTOUR MORTGAGE CORPORATION $205,000 n/a 0.0%
FBC MORTGAGE, LLC $205,000 $205,000 0.0% 0.0%
GMFS LLC $205,000 n/a 0.0%
SOFI LENDING CORP. $205,000 n/a 0.0%
LENDINGHOME FUNDING CORPORATION $245,000 $200,000 -18.4% 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $195,000 n/a 0.0%
EUSTIS AND AMERICAN MORTGAGE COMPANY $195,000 n/a 0.0%
INTERLINC MORTGAGE SERVICES, LLC $195,000 n/a 0.0%
NETWORK CAPITAL FUNDING CORPORATION $205,000 $195,000 -4.9% 0.0%
OCMBC, INC. $195,000 n/a 0.0%
SENTE MORTGAGE, INC. $605,000 $195,000 -67.8% 0.0%
BM Real Estate Services, Inc. $185,000 n/a 0.0%
HAMILTON HOME LOANS, INC. $330,000 $180,000 -45.5% 0.0%
A&D Mortgage LLC $565,000 $175,000 -69.0% 0.0%
BECKAM FUNDING CORP. $175,000 n/a 0.0%
EVERETT FINANCIAL, INC. $480,000 $175,000 -63.5% 0.0%
Guaranty Bank & Trust, N.A. $175,000 n/a 0.0%
Metro City Bank $175,000 n/a 0.0%
PLAZA HOME MORTGAGE, INC. $1,095,000 $175,000 -84.0% 0.0%
PURDUE FEDERAL CREDIT UNION $175,000 n/a 0.0%
Stifel Bank and Trust $175,000 n/a 0.0%
UIF CORPORATION $175,000 n/a 0.0%
CAPITOL CREDIT UNION $155,000 $165,000 6.5% 0.0%
Equity Prime Mortgage LLC $165,000 n/a 0.0%
V.I.P. MORTGAGE, INC. $165,000 n/a 0.0%
Watermark Capital, Inc. $265,000 $165,000 -37.7% 0.0%
A+ Federal Credit Union $340,000 $155,000 -54.4% 0.0%
AMERICAN INTERNET MORTGAGE, INC. $155,000 n/a 0.0%
Bank of England $155,000 n/a 0.0%
ENVOY MORTGAGE, LTD $245,000 $155,000 -36.7% 0.0%
Hometown Lenders, Inc. $155,000 n/a 0.0%
NEXUS SERIES B, LLC $155,000 n/a 0.0%
VAN DYK MORTGAGE CORPORATION $155,000 n/a 0.0%
BAYSHORE MORTGAGE FUNDING, LLC $145,000 n/a 0.0%
First Option Mortgage, LLC $145,000 n/a 0.0%
LOANPAL, LLC $95,000 $145,000 52.6% 0.0%
CANOPY MORTGAGE, LLC $135,000 n/a 0.0%
Manufacturers and Traders Trust Company $95,000 $135,000 42.1% 0.0%
TEMPLE VIEW CAPITAL FUNDING, LP $135,000 n/a 0.0%
OCEANSIDE MORTGAGE COMPANY $735,000 $125,000 -83.0% 0.0%
THE MORTGAGE FIRM, INC. $125,000 n/a 0.0%
Amarillo National Bank $115,000 n/a 0.0%
Citizens 1st Bank $115,000 n/a 0.0%
CIVIC FINANCIAL SERVICES, LLC $105,000 n/a 0.0%
MEMBER HOME LOAN, L.L.C. $155,000 $105,000 -32.3% 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $255,000 $105,000 -58.8% 0.0%
GREAT WESTERN FINANCIAL SERVICES, INC. $565,000 $95,000 -83.2% 0.0%
NFM, INC. $95,000 n/a 0.0%
TEXAS TRUST $95,000 n/a 0.0%
Discover Bank $85,000 $85,000 0.0% 0.0%
Truist Bank $395,000 $85,000 -78.5% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $75,000 n/a 0.0%
Credit Union of Texas $420,000 $65,000 -84.5% 0.0%
Home Loan Investment Bank, F.S.B. $25,000 n/a 0.0%

VICTORIA's top lender by overall market share is Prosperity Bank, with 9.1% market share. In second place, with 8.7%, is TEXAS DOW EMPLOYEES CREDIT UNION, having originated $45,800,000 in loans. In third place, with 8.4%, is Wallick & Volk, Inc., having originated $44,200,000 in loans. In fourth place, with 7.9%, is QUICKEN LOANS, LLC, having originated $41,315,000 in loans. In fifth place, with 6.7%, is Wells Fargo Bank, having originated $35,375,000 in loans.


VICTORIA Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - VICTORIA (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $229,938 (15.4%) $278,157 (22.5%) 0.00 266
2018-02-01 $222,225 (12.6%) $269,591 (18.2%) 0.00 256
2018-03-01 $223,750 (12.3%) $269,170 (15.4%) 0.00 256
2018-04-01 $232,400 (12.0%) $264,464 (10.5%) 0.00 263
2018-05-01 $224,450 (4.4%) $261,413 (4.3%) 0.00 273
2018-06-01 $219,893 (0.7%) $257,376 (2.1%) 0.00 274
2018-07-01 $228,225 (6.5%) $249,303 (-0.3%) 0.00 276
2018-08-01 $221,600 (4.6%) $245,236 (-2.1%) 0.00 291
2018-09-01 $221,886 (4.6%) $250,566 (-0.4%) 0.00 283
2018-10-01 $229,950 (7.7%) $254,382 (-0.7%) 0.00 266
2018-11-01 $234,900 (2.2%) $255,857 (-8.5%) 0.00 273
2018-12-01 $239,400 (4.1%) $269,609 (-4.4%) 0.00 255
2019-01-01 $237,450 (3.3%) $267,231 (-3.9%) 0.00 241
2019-02-01 $232,175 (4.5%) $267,568 (-0.8%) 0.00 234
2019-03-01 $240,421 (7.5%) $299,211 (11.2%) 0.00 232
2019-04-01 $245,024 (5.4%) $304,800 (15.3%) 0.00 232
2019-05-01 $242,450 (8.0%) $279,800 (7.0%) 0.00 251
2019-06-01 $244,999 (11.4%) $288,229 (12.0%) 0.00 280
2019-07-01 $248,686 (9.0%) $291,441 (16.9%) 0.00 284
2019-08-01 $243,791 (10.0%) $291,343 (18.8%) 0.00 298
2019-09-01 $234,627 (5.7%) $288,340 (15.1%) 0.00 314
2019-10-01 $226,844 (-1.4%) $285,186 (12.1%) 0.00 324
2019-11-01 $225,000 (-4.2%) $291,886 (14.1%) 0.00 302
2019-12-01 $221,500 (-7.5%) $288,019 (6.8%) 0.00 294
2020-01-01 $220,450 (-7.2%) $275,551 (3.1%) 0.00 286
2020-02-01 $224,900 (-3.1%) $286,072 (6.9%) 0.00 278
2020-03-01 $227,450 (-5.4%) $294,703 (-1.5%) 0.00 262
2020-04-01 $229,900 (-6.2%) $294,717 (-3.3%) 0.00 258
2020-05-01 $242,900 (0.2%) $310,224 (10.9%) 0.00 236
2020-06-01 $253,500 (3.5%) $321,564 (11.6%) 0.00 232
2020-07-01 $265,700 (6.8%) $327,838 (12.5%) 0.00 240
2020-08-01 $271,400 (11.3%) $342,853 (17.7%) 0.00 226
2020-09-01 $274,550 (17.0%) $351,239 (21.8%) 0.00 219
2020-10-01 $265,700 (17.1%) $338,371 (18.7%) 0.00 229
2020-11-01 $268,921 (19.5%) $333,205 (14.2%) 0.00 231
2020-12-01 $261,200 (17.9%) $330,615 (14.8%) 0.00 225
2021-01-01 $271,150 (23.0%) $333,358 (21.0%) 0.00 197
2021-02-01 $271,425 (20.7%) $338,952 (18.5%) 0.00 159
2021-03-01 $277,400 (22.0%) $342,735 (16.3%) 0.00 142
2021-04-01 $277,446 (20.7%) $348,413 (18.2%) 0.00 130
2021-05-01 $284,900 (17.3%) $369,998 (19.3%) 0.00 123
2021-06-01 $285,000 (12.4%) $343,983 (7.0%) 0.00 131
2021-07-01 $256,900 (-3.3%) $336,637 (2.7%) 0.00 140
2021-08-01 $271,675 (0.1%) $329,165 (-4.0%) 0.00 168
2021-09-01 $269,750 (-1.8%) $337,868 (-3.8%) 0.00 176
2021-10-01 $279,700 (5.3%) $347,726 (2.8%) 0.00 188
2021-11-01 $284,575 (5.8%) $345,054 (3.6%) 0.00 186
2021-12-01 $278,125 (6.5%) $337,505 (2.1%) 0.00 167
2022-01-01 $269,900 (-0.5%) $334,819 (0.4%) 0.00 160
2022-02-01 $284,500 (4.8%) $354,022 (4.5%) 0.00 156
2022-03-01 $302,400 (9.0%) $360,711 (5.3%) 0.00 151
2022-04-01 $299,900 (8.1%) $370,652 (6.4%) 0.00 130
2022-05-01 $294,900 (3.5%) $393,407 (6.3%) 0.00 141
2022-06-01 $299,600 (5.1%) $380,006 (10.5%) 0.00 149
2022-07-01 $294,750 (14.7%) $376,197 (11.8%) 0.00 184
2022-08-01 $286,125 (5.3%) $371,350 (12.8%) 0.00 202
2022-09-01 $276,125 (2.4%) $367,038 (8.6%) 0.00 211
2022-10-01 $250,000 (-10.6%) $358,241 (3.0%) 0.00 212
2022-11-01 $249,675 (-12.3%) $345,156 (0.0%) 0.00 210
VICTORIA's median listing price for 2022-11-01 was $249,675, a difference of $-34,900 (-12.3%) versus the prior year and $-325 versus the prior month.

VICTORIA's median listing price comes in at 0% of the national average.

VICTORIA's average listing price for 2022-11-01 was $345,156, a difference of $102 (0.0%) versus the prior year and $-13,085 versus the prior month.

For the 2022-11-01 period, VICTORIA had 210 MLS listings, a difference of -2 listings (-1%) versus the prior month and 24 listings (13%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - VICTORIA (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 2,085 sqft
2018-02-01 0 days 2,031 sqft
2018-03-01 0 days 2,069 sqft
2018-04-01 0 days 2,087 sqft
2018-05-01 0 days 2,025 sqft
2018-06-01 0 days 2,037 sqft
2018-07-01 0 days 2,043 sqft
2018-08-01 0 days 2,030 sqft
2018-09-01 0 days 2,011 sqft
2018-10-01 0 days 2,044 sqft
2018-11-01 0 days 2,034 sqft
2018-12-01 0 days 2,049 sqft
2019-01-01 0 days 2,014 sqft
2019-02-01 0 days 2,020 sqft
2019-03-01 0 days 2,055 sqft
2019-04-01 0 days 2,066 sqft
2019-05-01 0 days 2,093 sqft
2019-06-01 0 days 2,088 sqft
2019-07-01 0 days 2,076 sqft
2019-08-01 0 days 2,037 sqft
2019-09-01 0 days 1,981 sqft
2019-10-01 0 days 1,944 sqft
2019-11-01 0 days 1,946 sqft
2019-12-01 0 days 1,931 sqft
2020-01-01 0 days 1,903 sqft
2020-02-01 0 days 1,906 sqft
2020-03-01 0 days 1,868 sqft
2020-04-01 0 days 1,900 sqft
2020-05-01 0 days 2,009 sqft
2020-06-01 0 days 2,026 sqft
2020-07-01 0 days 2,068 sqft
2020-08-01 0 days 2,102 sqft
2020-09-01 0 days 2,137 sqft
2020-10-01 0 days 2,131 sqft
2020-11-01 0 days 2,057 sqft
2020-12-01 0 days 2,036 sqft
2021-01-01 0 days 2,042 sqft
2021-02-01 0 days 2,031 sqft
2021-03-01 0 days 2,041 sqft
2021-04-01 0 days 2,021 sqft
2021-05-01 0 days 2,020 sqft
2021-06-01 0 days 2,004 sqft
2021-07-01 0 days 1,916 sqft
2021-08-01 0 days 1,924 sqft
2021-09-01 0 days 1,881 sqft
2021-10-01 0 days 1,882 sqft
2021-11-01 0 days 1,871 sqft
2021-12-01 0 days 1,842 sqft
2022-01-01 0 days 1,874 sqft
2022-02-01 0 days 1,899 sqft
2022-03-01 0 days 1,894 sqft
2022-04-01 0 days 1,972 sqft
2022-05-01 0 days 1,960 sqft
2022-06-01 0 days 1,911 sqft
2022-07-01 0 days 1,894 sqft
2022-08-01 0 days 1,871 sqft
2022-09-01 0 days 1,818 sqft
2022-10-01 0 days 1,814 sqft
2022-11-01 0 days 1,792 sqft
VICTORIA's median listing age (time on market) for 2022-11-01 was 0 days.

VICTORIA's median square footage for active listings during the 2022-11-01 period was 1,792 sqft. One year prior, the average listing was 1,871 sqft.

VICTORIA, TX Average Rent (2022)

Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
77901 Victoria, TX $800 $870 $1,080 $1,380 $1,580
77902 Victoria, TX $790 $860 $1,070 $1,370 $1,570
77903 Victoria, TX $790 $860 $1,070 $1,370 $1,570
77904 Victoria, TX $870 $950 $1,180 $1,510 $1,730
77905 Victoria, TX $720 $790 $980 $1,250 $1,430
77951 Victoria, TX $660 $760 $930 $1,200 $1,330
77960 Victoria, TX $710 $780 $960 $1,230 $1,400
77963 Victoria, TX $700 $770 $950 $1,220 $1,390
77968 Victoria, TX $660 $760 $930 $1,200 $1,330
77973 Victoria, TX $790 $860 $1,070 $1,370 $1,570
77974 Victoria, TX $790 $860 $1,070 $1,370 $1,570
77976 Victoria, TX $830 $900 $1,120 $1,430 $1,640
77977 Victoria, TX $660 $760 $930 $1,200 $1,330
77979 Victoria, TX $660 $760 $930 $1,200 $1,330
77988 Victoria, TX $680 $760 $930 $1,200 $1,340
77993 Victoria, TX $680 $760 $930 $1,200 $1,350
77995 Victoria, TX $660 $760 $930 $1,200 $1,330
78107 Victoria, TX $660 $760 $930 $1,200 $1,330
78119 Victoria, TX $660 $760 $930 $1,200 $1,330
78164 Victoria, TX $670 $760 $930 $1,200 $1,330

2022 Average & Median Rent Data Statistics
VICTORIA, TX average 1BR rent: $805, median: $765
VICTORIA, TX average 2BR rent: $993, median: $940
VICTORIA, TX average 3BR rent: $1,275, median: $1,210

VICTORIA, TX Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,286 $323,990,000 $251,936
Refi 774 $150,020,000 $193,824
Cash Out Refi 226 $43,570,000 $192,788
Other 28 $4,460,000 $159,286
Home Improvement 27 $2,655,000 $98,333
NA 1 $155,000 $155,000

Victoria's most frequently cited loan purpose was Home Purchase, with 1,286 originations. The 2nd most popular reason was Refi, with 774 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 752 $170,230,000 $226,370
2.5-3% 675 $151,825,000 $224,926
<2.5% 411 $86,395,000 $210,207
4-5% 200 $30,010,000 $150,050
Over 8% 42 $3,960,000 $94,286
5-6% 23 $2,415,000 $105,000
6-7% 22 $2,230,000 $101,364
7-8% 21 $1,975,000 $94,048

During 2021, Victoria's most frequently originated rate bucket was 3-4%, with 752 originations.

Loan Sizing (VICTORIA, TX MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 1,003 $152,875,000 $152,418
$200k-400k 913 $243,855,000 $267,092
$100,000 or less 307 $21,565,000 $70,244
$400k-600k 104 $48,140,000 $462,885
$600k-1000k 9 $6,245,000 $693,889
$Over $1MM 6 $52,170,000 $8,695,000

VICTORIA's loan sizing saw the bucket of loans from $100k-200k with 1,003 originations, totaling $152,875,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,131 $245,895,000 $217,414
60-80% 613 $140,505,000 $229,209
40-60% 195 $31,925,000 $163,718
20-40% 66 $6,520,000 $98,788
Over 100% 40 $9,040,000 $226,000
Under 20% 26 $1,390,000 $53,462

VICTORIA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,131 originations, totaling $245,895,000 in origination value.