VICTORIA Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Victoria averaged 7.05% for the week of 2025-05-22, compared to the national average of 6.86% for the same period.

    The average rate for the prior week (2025-05-15) was 7.3% and one month ago for the week of 2025-04-17, the average rate was 7.42%.

    Victoria's average rate one year ago was 7.31%.

    For refis of the same type during the week of 2025-05-22, the average rate was 7.06%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-05-22 6.86%
    Victoria 30 Year Fixed Rate 2025-05-22 7.05%
    Victoria 30 Year Fixed Rate Refi 2025-05-22 7.06%
    Victoria 15 Year Fixed Rate 2025-05-22 5.81%
    Victoria 15 Year Fixed Rate Refi 2025-05-22 6.41%
    Victoria 30 Year FHA 2025-05-22 6.73%
    Victoria 30 Year FHA Refi 2025-05-22 6.71%
    Victoria 30 Year USDA 2025-05-22 6.63%
    Victoria 30 Year USDA Refi 2025-05-22 6.63%
    Victoria 30 Year VA 2025-05-22 6.83%
    Victoria 30 Year VA Refi 2025-05-22 6.72%
    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    TEXAS DOW EMPLOYEES CREDIT UNION 80 7.30% $4,749
    QUICKEN LOANS, LLC 57 6.94% $7,653
    Wallick & Volk, Inc. 47 6.47% $6,013
    JPMorgan Chase Bank 31 6.35% $4,205
    FIRST CHOICE MH LLC 31 10.30% $2,639
    UNITED WHOLESALE MORTGAGE, LLC 27 6.91% $8,753
    Prosperity Bank 24 6.61% $4,255
    LOANDEPOT.COM, LLC 10 6.76% $7,370
    Wells Fargo Bank 9 6.38% $5,459
    Farm Credit Mid-America, ACA 5 6.98% $16,112
    Network Funding, L.P. 5 6.16% $6,752
    21ST MORTGAGE CORPORATION 5 8.43% $7,225
    UNION HOME MORTGAGE CORP. 5 7.32% $6,846
    Mr. Cooper ( Nationstar Mortgage ) 5 7.29% $10,922
    BROKER SOLUTIONS, INC. 3 6.79% $11,102
    Flagstar Bank, FSB 3 6.63% $6,074
    U.S. Bank 3 6.29% $3,843
    NAVY ARMY COMMUNITY CREDIT UNION 3 6.63% $4,049
    GUILD MORTGAGE COMPANY 3 7.17% $4,305
    WESTSTAR MORTGAGE CORPORATION 3 7.21% $5,217
    PRIMELENDING, A PLAINSCAPITAL COMPANY 3 6.96% $6,810
    PENNYMAC LOAN SERVICES, LLC 3 7.08% $7,762
    CMG MORTGAGE, INC. 3 6.58% $7,410
    PLAZA HOME MORTGAGE, INC. 2 6.63% $8,483
    GUARANTEED RATE, INC. 2 6.56% $9,900
    SECURITY SERVICE 2 7.38% $2,629
    MORTGAGE FINANCIAL SERVICES, LLC 2 6.88% $4,382
    NFM, INC. 2 7.38% $6,299
    CHURCHILL MORTGAGE CORPORATION 2 7.75% $7,609
    USAA Federal Savings Bank 2 6.31% $5,363
    BMO Harris Bank 2 6.69% $4,637
    NBKC BANK 1 6.50% $5,646
    NEWREZ LLC 1 7.99% $9,671
    NEW WAVE LENDING GROUP INC 1 7.00% $6,899
    OCMBC, INC. 1 6.25% $14,035
    Plains Commerce Bank 1 6.50% $16,155
    PNC Bank 1 7.88% $4,072
    PREMIA MORTGAGE, LLC 1 6.88% $3,330
    ROYAL UNITED MORTGAGE LLC 1 7.50% $6,902
    SECURITYNATIONAL MORTGAGE COMPANY 1 7.13% $24,148
    The Huntington National Bank 1 7.63% $9,244
    The Loan Store, Inc. 1 7.13% $8,035
    UNIVERSITY Federal Credit Union 1 6.38% $8,152
    V.I.P. MORTGAGE, INC. 1 6.75% $5,955
    ZILLOW HOME LOANS, LLC 1 7.50% $4,930
    MERCO Credit Union 1 6.50% $4,892
    A+ Federal Credit Union 1 5.88% $10,042
    American Bank of Commerce 1 6.50% $4,766
    AMERICAN FINANCIAL RESOURCES, INC. 1 5.88% $8,500
    AMERICAN FINANCING CORPORATION 1 5.50% $17,927
    American Mortgage & Equity Consultants, Inc. 1 7.50% $8,584
    AmeriHome Mortgage Company, LLC 1 5.88% $10,042
    BancorpSouth 1 6.75% $13,565
    Bank of America 1 6.38% $475
    BETTER MORTGAGE CORPORATION 1 7.13% $5,286
    CARDINAL FINANCIAL 1 6.99% $15,809
    Carrington Mortgage Services, LLC 1 6.13% $6,292
    COMMUNITY RESOURCE CREDIT UNION 1 6.13% $2,948
    CREDIT HUMAN FEDERAL CREDIT UNION 1 6.18% $4,472
    CROSSCOUNTRY MORTGAGE, LLC 1 7.08% $3,929
    DEEPHAVEN MORTGAGE LLC 1 9.25% $5,192
    Discover Bank 1 6.49% $0
    Equity Prime Mortgage LLC 1 7.63% $6,408
    Extraco Banks 1 6.00% $6,650
    First-Citizens Bank & Trust Company 1 5.90% $8,039
    First Horizon Bank 1 7.13% $5,857
    FIRST SERVICE Credit Union 1 6.13% $4,415
    Frost Bank 1 5.50% $4,157
    GARDNER FINANCIAL SERVICES, LTD. 1 6.38% $7,620
    Gateway First Bank 1 7.63% $7,166
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.25% $6,430
    LOANPEOPLE, LLC 1 5.88% $6,115
    MK LENDING CORP. 1 6.88% $17,661
    Mortgage Research Center, LLC 1 6.63% $1,199
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 6.50% $5,700
    NAVY FEDERAL CREDIT UNION 1 7.63% $3,340

    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 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 (22.4%) 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 (11.6%) $264,464 (10.4%) 0.00 263
    2018-05-01 $224,450 (4.4%) $261,413 (4.2%) 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 (-1.9%) 0.00 291
    2018-09-01 $221,886 (4.6%) $250,566 (-0.3%) 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 (-8.6%) 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%) $288,081 (6.9%) 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 $240,950 (-0.6%) $309,360 (10.6%) 0.00 235
    2020-06-01 $252,475 (3.1%) $320,715 (11.3%) 0.00 231
    2020-07-01 $265,350 (6.7%) $327,423 (12.4%) 0.00 239
    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 (18.2%) $369,998 (19.6%) 0.00 123
    2021-06-01 $285,000 (12.9%) $343,983 (7.3%) 0.00 131
    2021-07-01 $256,900 (-3.2%) $336,637 (2.8%) 0.00 140
    2021-08-01 $271,675 (0.1%) $329,165 (-4.0%) 0.00 168
    2021-09-01 $269,750 (-1.8%) $338,106 (-3.7%) 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
    2022-12-01 $262,200 (-5.7%) $346,900 (2.8%) 0.00 219
    2023-01-01 $265,225 (-1.7%) $342,640 (2.3%) 0.00 215
    2023-02-01 $278,425 (-2.1%) $348,206 (-1.6%) 0.00 203
    2023-03-01 $284,975 (-5.8%) $359,103 (-0.5%) 0.00 191
    2023-04-01 $329,900 (10.0%) $369,815 (-0.2%) 0.00 165
    2023-05-01 $328,650 (11.4%) $384,785 (-2.2%) 0.00 184
    2023-06-01 $328,325 (9.6%) $379,315 (-0.2%) 0.00 186
    2023-07-01 $319,950 (8.6%) $368,757 (-2.0%) 0.00 199
    2023-08-01 $300,000 (4.9%) $359,807 (-3.1%) 0.00 225
    2023-09-01 $288,900 (4.6%) $348,096 (-5.2%) 0.00 246
    2023-10-01 $276,475 (10.6%) $344,608 (-3.8%) 0.00 271
    2023-11-01 $286,675 (14.8%) $348,855 (1.1%) 0.00 285
    2023-12-01 $275,000 (4.9%) $344,429 (-0.7%) 0.00 265
    2024-01-01 $269,925 (1.8%) $339,197 (-1.0%) 0.00 257
    2024-02-01 $274,949 (-1.3%) $343,894 (-1.2%) 0.00 259
    2024-03-01 $279,200 (-2.0%) $347,776 (-3.2%) 0.00 254
    2024-04-01 $299,000 (-9.4%) $353,917 (-4.3%) 0.00 261
    2024-05-01 $304,725 (-7.3%) $362,855 (-5.7%) 0.00 240
    2024-06-01 $299,250 (-8.9%) $349,249 (-7.9%) 0.00 253
    2024-07-01 $286,225 (-10.5%) $349,141 (-5.3%) 0.00 264
    2024-08-01 $295,000 (-1.7%) $347,149 (-3.5%) 0.00 255
    2024-09-01 $292,400 (1.2%) $347,736 (-0.1%) 0.00 255
    2024-10-01 $289,900 (4.9%) $345,250 (0.2%) 0.00 282
    2024-11-01 $286,200 (-0.2%) $338,931 (-2.8%) 0.00 286
    2024-12-01 $277,271 (0.8%) $328,622 (-4.6%) 0.00 277
    2025-01-01 $276,496 (2.4%) $328,098 (-3.3%) 0.00 286
    2025-02-01 $273,671 (-0.5%) $333,050 (-3.2%) 0.00 276
    2025-03-01 $275,000 (-1.5%) $342,755 (-1.4%) 0.00 264
    2025-04-01 $274,950 (-8.0%) $353,955 (0.0%) 0.00 264
    VICTORIA's median listing price for 2025-04-01 was $274,950, a difference of $-24,050 (-8.0%) versus the prior year and $-50 versus the prior month.

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

    VICTORIA's average listing price for 2025-04-01 was $353,955, a difference of $38 (0.0%) versus the prior year and $11,200 versus the prior month.

    For the 2025-04-01 period, VICTORIA had 264 MLS listings, a difference of 0 listings (0%) versus the prior month and 3 listings (1%) 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 1,954 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 2,007 sqft
    2020-06-01 0 days 2,023 sqft
    2020-07-01 0 days 2,067 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
    2022-12-01 0 days 1,808 sqft
    2023-01-01 0 days 1,807 sqft
    2023-02-01 0 days 1,816 sqft
    2023-03-01 0 days 1,899 sqft
    2023-04-01 0 days 1,938 sqft
    2023-05-01 0 days 1,997 sqft
    2023-06-01 0 days 1,943 sqft
    2023-07-01 0 days 1,910 sqft
    2023-08-01 0 days 1,915 sqft
    2023-09-01 0 days 1,865 sqft
    2023-10-01 0 days 1,820 sqft
    2023-11-01 0 days 1,884 sqft
    2023-12-01 0 days 1,888 sqft
    2024-01-01 0 days 1,889 sqft
    2024-02-01 0 days 1,899 sqft
    2024-03-01 0 days 1,938 sqft
    2024-04-01 0 days 1,934 sqft
    2024-05-01 0 days 1,946 sqft
    2024-06-01 0 days 1,958 sqft
    2024-07-01 0 days 1,921 sqft
    2024-08-01 0 days 1,893 sqft
    2024-09-01 0 days 1,879 sqft
    2024-10-01 0 days 1,858 sqft
    2024-11-01 0 days 1,830 sqft
    2024-12-01 0 days 1,794 sqft
    2025-01-01 0 days 1,801 sqft
    2025-02-01 0 days 1,837 sqft
    2025-03-01 0 days 1,882 sqft
    2025-04-01 0 days 1,871 sqft
    VICTORIA's median listing age (time on market) for 2025-04-01 was 0 days.

    VICTORIA's median square footage for active listings during the 2025-04-01 period was 1,871 sqft. One year prior, the average listing was 1,934 sqft.

    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.