VICTORIA Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Victoria averaged
6.2%
for the week of 2022-06-23, compared to the national average of
5.81% for the same period.
The average rate for the prior week (2022-06-16) was
6.07% and
one month ago for the week of 2022-05-19, the
average rate was 5.94%.
Victoria's average rate one year ago was 3.27%.
For refis of the same type during the week of 2022-06-23, the average rate
was 5.8%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-06-23 | 5.81% |
| Victoria 30 Year Fixed Rate | 2022-06-23 | 6.2% |
| Victoria 30 Year Fixed Rate Refi | 2022-06-23 | 5.8% |
| Victoria 15 Year Fixed Rate | 2022-06-23 | 5.78% |
| Victoria 15 Year Fixed Rate Refi | 2022-06-23 | 4.99% |
| Victoria 30 Year FHA | 2022-06-23 | 0.08% |
| Victoria 30 Year FHA Refi | 2022-06-23 | -0.04% |
| Victoria 30 Year USDA | 2022-06-23 | -0.13% |
| Victoria 30 Year VA | 2022-06-23 | 0.24% |
| Victoria 30 Year VA Refi | 2022-06-23 | -0.04% |
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 lendor, 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, 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.
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 Lender 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 third place, with 7.9%, is QUICKEN LOANS, LLC, having originated $41,315,000 in loans. In third place, with 6.7%, is Wells Fargo Bank, having originated $35,375,000 in loans.
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.
Market Conditions (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 | $232,425 (16.3%) | $282,853 (24.0%) | 0.00 | 274 |
| 2018-02-01 | $224,000 (12.6%) | $271,652 (18.3%) | 0.00 | 261 |
| 2018-03-01 | $225,950 (13.0%) | $270,320 (15.3%) | 0.00 | 258 |
| 2018-04-01 | $232,800 (10.9%) | $265,935 (10.0%) | 0.00 | 266 |
| 2018-05-01 | $224,850 (4.2%) | $262,190 (4.4%) | 0.00 | 275 |
| 2018-06-01 | $215,000 (-2.0%) | $255,836 (1.0%) | 0.00 | 271 |
| 2018-07-01 | $226,950 (5.6%) | $248,984 (-1.4%) | 0.00 | 274 |
| 2018-08-01 | $221,000 (4.0%) | $244,371 (-3.6%) | 0.00 | 287 |
| 2018-09-01 | $220,872 (2.7%) | $262,796 (3.1%) | 0.00 | 282 |
| 2018-10-01 | $229,950 (5.8%) | $268,776 (2.3%) | 0.00 | 264 |
| 2018-11-01 | $234,950 (1.8%) | $271,013 (-4.2%) | 0.00 | 271 |
| 2018-12-01 | $239,400 (4.1%) | $285,140 (0.6%) | 0.00 | 258 |
| 2019-01-01 | $237,985 (2.4%) | $269,423 (-4.8%) | 0.00 | 246 |
| 2019-02-01 | $234,450 (4.7%) | $269,134 (-0.9%) | 0.00 | 238 |
| 2019-03-01 | $241,614 (6.9%) | $299,783 (10.9%) | 0.00 | 235 |
| 2019-04-01 | $244,663 (5.1%) | $305,422 (14.9%) | 0.00 | 231 |
| 2019-05-01 | $242,550 (7.9%) | $279,548 (6.6%) | 0.00 | 249 |
| 2019-06-01 | $245,099 (14.0%) | $281,435 (10.0%) | 0.00 | 283 |
| 2019-07-01 | $249,900 (10.1%) | $295,271 (18.6%) | 0.00 | 291 |
| 2019-08-01 | $246,429 (11.5%) | $297,022 (21.6%) | 0.00 | 308 |
| 2019-09-01 | $239,000 (8.2%) | $298,384 (13.5%) | 0.00 | 328 |
| 2019-10-01 | $230,700 (0.3%) | $295,580 (10.0%) | 0.00 | 338 |
| 2019-11-01 | $229,000 (-2.5%) | $303,038 (11.8%) | 0.00 | 312 |
| 2019-12-01 | $226,450 (-5.4%) | $298,338 (4.6%) | 0.00 | 304 |
| 2020-01-01 | $224,500 (-5.7%) | $282,043 (4.7%) | 0.00 | 296 |
| 2020-02-01 | $234,500 (0.0%) | $295,517 (9.8%) | 0.00 | 283 |
| 2020-03-01 | $233,900 (-3.2%) | $307,166 (2.5%) | 0.00 | 262 |
| 2020-04-01 | $234,950 (-4.0%) | $311,399 (2.0%) | 0.00 | 265 |
| 2020-05-01 | $254,900 (5.1%) | $329,584 (17.9%) | 0.00 | 243 |
| 2020-06-01 | $263,019 (7.3%) | $330,967 (17.6%) | 0.00 | 239 |
| 2020-07-01 | $269,900 (8.0%) | $333,883 (13.1%) | 0.00 | 242 |
| 2020-08-01 | $284,900 (15.6%) | $353,030 (18.9%) | 0.00 | 234 |
| 2020-09-01 | $286,664 (19.9%) | $362,623 (21.5%) | 0.00 | 229 |
| 2020-10-01 | $270,900 (17.4%) | $342,851 (16.0%) | 0.00 | 238 |
| 2020-11-01 | $269,900 (17.9%) | $334,992 (10.5%) | 0.00 | 235 |
| 2020-12-01 | $261,950 (15.7%) | $327,925 (9.9%) | 0.00 | 226 |
| 2021-01-01 | $275,000 (22.5%) | $339,224 (20.3%) | 0.00 | 198 |
| 2021-02-01 | $275,450 (17.5%) | $351,078 (18.8%) | 0.00 | 163 |
| 2021-03-01 | $288,450 (23.3%) | $359,958 (17.2%) | 0.00 | 147 |
| 2021-04-01 | $286,600 (22.0%) | $358,672 (15.2%) | 0.00 | 135 |
| 2021-05-01 | $289,900 (13.7%) | $378,618 (14.9%) | 0.00 | 132 |
| 2021-06-01 | $291,200 (10.7%) | $347,083 (4.9%) | 0.00 | 136 |
| 2021-07-01 | $269,700 (-0.1%) | $337,666 (1.1%) | 0.00 | 140 |
| 2021-08-01 | $282,450 (-0.9%) | $329,167 (-6.8%) | 0.00 | 174 |
| 2021-09-01 | $277,500 (-3.2%) | $342,713 (-5.5%) | 0.00 | 185 |
| 2021-10-01 | $279,900 (3.3%) | $345,583 (0.8%) | 0.00 | 195 |
| 2021-11-01 | $289,400 (7.2%) | $348,228 (4.0%) | 0.00 | 192 |
| 2021-12-01 | $279,450 (6.7%) | $340,795 (3.9%) | 0.00 | 169 |
| 2022-01-01 | $275,000 (0.0%) | $337,388 (-0.5%) | 0.00 | 163 |
| 2022-02-01 | $291,950 (6.0%) | $356,887 (1.7%) | 0.00 | 160 |
| 2022-03-01 | $309,700 (7.4%) | $360,768 (0.2%) | 0.00 | 151 |
| 2022-04-01 | $299,900 (4.6%) | $363,573 (1.4%) | 0.00 | 129 |
| 2022-05-01 | $299,900 (3.5%) | $384,016 (1.4%) | 0.00 | 138 |
VICTORIA's median listing price for 2022-05-01 was $299,900, a difference of
$10,000
(3.5%) versus the prior year and
$0 versus the prior month.
VICTORIA's median listing price comes in at 0% of the national average.
VICTORIA's average listing price for 2022-05-01 was $384,016, a difference of $5,398 (1.4%) versus the prior year and $20,443 versus the prior month.
For the 2022-05-01 period, VICTORIA had 138 MLS listings, a difference of 9 listings (7%) versus the prior month and 6 listings (5%) versus the prior year.
VICTORIA's median listing price comes in at 0% of the national average.
VICTORIA's average listing price for 2022-05-01 was $384,016, a difference of $5,398 (1.4%) versus the prior year and $20,443 versus the prior month.
For the 2022-05-01 period, VICTORIA had 138 MLS listings, a difference of 9 listings (7%) versus the prior month and 6 listings (5%) 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 | 2,114 sqft |
| 2018-02-01 | 0 days | 2,054 sqft |
| 2018-03-01 | 0 days | 2,069 sqft |
| 2018-04-01 | 0 days | 2,080 sqft |
| 2018-05-01 | 0 days | 2,008 sqft |
| 2018-06-01 | 0 days | 2,030 sqft |
| 2018-07-01 | 0 days | 2,036 sqft |
| 2018-08-01 | 0 days | 2,012 sqft |
| 2018-09-01 | 0 days | 1,988 sqft |
| 2018-10-01 | 0 days | 2,037 sqft |
| 2018-11-01 | 0 days | 2,039 sqft |
| 2018-12-01 | 0 days | 2,050 sqft |
| 2019-01-01 | 0 days | 2,014 sqft |
| 2019-02-01 | 0 days | 2,018 sqft |
| 2019-03-01 | 0 days | 2,054 sqft |
| 2019-04-01 | 0 days | 2,062 sqft |
| 2019-05-01 | 0 days | 2,084 sqft |
| 2019-06-01 | 0 days | 2,085 sqft |
| 2019-07-01 | 0 days | 2,078 sqft |
| 2019-08-01 | 0 days | 2,066 sqft |
| 2019-09-01 | 0 days | 2,036 sqft |
| 2019-10-01 | 0 days | 1,973 sqft |
| 2019-11-01 | 0 days | 1,965 sqft |
| 2019-12-01 | 0 days | 1,936 sqft |
| 2020-01-01 | 0 days | 1,922 sqft |
| 2020-02-01 | 0 days | 1,906 sqft |
| 2020-03-01 | 0 days | 1,922 sqft |
| 2020-04-01 | 0 days | 1,950 sqft |
| 2020-05-01 | 0 days | 2,036 sqft |
| 2020-06-01 | 0 days | 2,062 sqft |
| 2020-07-01 | 0 days | 2,113 sqft |
| 2020-08-01 | 0 days | 2,158 sqft |
| 2020-09-01 | 0 days | 2,180 sqft |
| 2020-10-01 | 0 days | 2,148 sqft |
| 2020-11-01 | 0 days | 2,106 sqft |
| 2020-12-01 | 0 days | 2,036 sqft |
| 2021-01-01 | 0 days | 2,042 sqft |
| 2021-02-01 | 0 days | 2,056 sqft |
| 2021-03-01 | 0 days | 2,078 sqft |
| 2021-04-01 | 0 days | 2,030 sqft |
| 2021-05-01 | 0 days | 2,025 sqft |
| 2021-06-01 | 0 days | 1,961 sqft |
| 2021-07-01 | 0 days | 1,882 sqft |
| 2021-08-01 | 0 days | 1,933 sqft |
| 2021-09-01 | 0 days | 1,881 sqft |
| 2021-10-01 | 0 days | 1,944 sqft |
| 2021-11-01 | 0 days | 1,882 sqft |
| 2021-12-01 | 0 days | 1,857 sqft |
| 2022-01-01 | 0 days | 1,919 sqft |
| 2022-02-01 | 0 days | 1,938 sqft |
| 2022-03-01 | 0 days | 1,912 sqft |
| 2022-04-01 | 0 days | 1,938 sqft |
| 2022-05-01 | 0 days | 1,939 sqft |
VICTORIA's median listing age (time on market) for 2022-05-01 was 0 days.
VICTORIA's median square footage for active listings during the 2022-05-01 period was 1,939 sqft. One year prior, the average listing was 2,025 sqft.
VICTORIA's median square footage for active listings during the 2022-05-01 period was 1,939 sqft. One year prior, the average listing was 2,025 sqft.
