# VICTORIAN FINANCE, LLC

> **Canonical URL:** https://saferate.com/lenders/victorian-finance


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


VICTORIAN FINANCE, LLC is a independent mortgage company, headquartered in Harrisburg, PA, serving borrowers across 18 states, with 949 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 69% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 36% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300Y7G2MW6V1OR474
- **Headquarters:** Harrisburg, PA
- **Geographic Reach:** Multi-Region
- **States Served:** 18
- **State List:** AL, AZ, CA, CO, FL, GA, ID, KY, MA, NC, OH, PA, SC, TN, TX, UT, VA, WV
- **Markets (MSAs):** 10
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 90.6%
- **Brokered/Wholesale:** 9.4%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 31/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.377%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,252
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 949
- **Dollar Volume:** $232 million
- **Applications Received:** 1,315
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $244,737
- **Average Borrower Income:** $117,866
- **Average Property Value:** $292,692

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 73/100 | 633 | +0.245% | $3,215 | Strong 😀 |
| FHA | 74/100 | 244 | +0.772% | $3,198 | Strong 😀 |
| VA | 69/100 | 58 | -0.089% | $4,350 | Strong 😀 |
| USDA | 47/100 | 10 | +0.469% | $2,421 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 588 loans, Score: 74/100 (Strong)
- Refinance: 45 loans, Score: 44/100 (Sound)

**FHA:**
- Purchase: 236 loans, Score: 74/100 (Strong)

**VA:**
- Purchase: 57 loans, Score: 69/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 75/100 | 895 | $218M | +0.376% | Strong 😀 |
| Refinance | 44/100 | 54 | $14M | +0.397% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 526 | 0.43% | 83/100 |
| WV | 166 | 1.07% | 80/100 |
| AL | 117 | 0.20% | 69/100 |
| NC | 41 | 0.03% | 50/100 |
| TX | 27 | 0.01% | 43/100 |
| FL | 26 | 0.01% | 42/100 |
| TN | 11 | 0.01% | 37/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Pittsburgh, PA | PA | 510 | 94/100 |
| Non |  | 128 | 55/100 |
| Charleston, WV | WV | 80 | 88/100 |
| Huntsville, AL | AL | 48 | 65/100 |
| Huntington |  | 27 | 58/100 |
| Houston | TX | 16 | 42/100 |
| St. Petersburg | FL | 11 | 42/100 |
| Burlington, NC | NC | 10 | 44/100 |
| Decatur, AL | AL | 10 | 42/100 |
| Greensboro | NC | 10 | 41/100 |

## Where This Lender Ranks

VICTORIAN FINANCE, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Charleston, WV for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/charleston-wv/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#5** in Charleston, WV for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/charleston-wv/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#6** in Charleston, WV Mortgage Companies
  - [View Full Rankings](https://saferate.com/charleston-wv/best-mortgage-lenders/mortgage-companies)
- 🏆 **#7** in Charleston, WV for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/charleston-wv/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#8** in Charleston, WV for FHA Loans
  - [View Full Rankings](https://saferate.com/charleston-wv/best-mortgage-lenders/fha-loans)
- 🏆 **#9** in Charleston, WV for VA Loans
  - [View Full Rankings](https://saferate.com/charleston-wv/best-mortgage-lenders/va-loans)
- 🏆 **#11** in Huntington Mortgage Companies
  - [View Full Rankings](https://saferate.com/huntington/best-mortgage-lenders/mortgage-companies)
- 🏆 **#12** in Huntington for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/huntington/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#14** in Charleston, WV
  - [View Full Rankings](https://saferate.com/charleston-wv/best-mortgage-lenders)
- 🏆 **#14** in Charleston, WV for Conventional Loans
  - [View Full Rankings](https://saferate.com/charleston-wv/best-mortgage-lenders/conventional-loans)
- 🏆 **#15** in West Virginia Mortgage Companies
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/mortgage-companies)
- 🏆 **#15** in West Virginia for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#16** in Decatur, AL for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/decatur-al/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#18** in Pittsburgh, PA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#18** in Burlington, NC for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/burlington-nc/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#19** in Pittsburgh, PA Mortgage Companies
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/mortgage-companies)
- 🏆 **#19** in West Virginia for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/mortgage-companies/fha-loans)

## Frequently Asked Questions

### What loan types does VICTORIAN FINANCE, LLC offer?

VICTORIAN FINANCE, LLC offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does VICTORIAN FINANCE, LLC offer mortgages?

VICTORIAN FINANCE, LLC offers mortgages in 18 states: AL, AZ, CA, CO, FL, GA, ID, KY, MA, NC, OH, PA, SC, TN, TX, UT, VA, WV.

### How competitive are VICTORIAN FINANCE, LLC's mortgage rates?

VICTORIAN FINANCE, LLC has a pricing score of 31/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.377% above market average.

### What type of lender is VICTORIAN FINANCE, LLC?

VICTORIAN FINANCE, LLC is a non-depository lender that specializes in mortgage origination, headquartered in Harrisburg, PA.

### What is VICTORIAN FINANCE, LLC's loan approval success rate?

VICTORIAN FINANCE, LLC has a pull-through score of 64/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/victorian-finance

### How to Cite

> "VICTORIAN FINANCE, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/victorian-finance

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