# VICTORY MORTGAGE, L.L.C.

> **Canonical URL:** https://saferate.com/lenders/victory-mortgage


> **📋 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


VICTORY MORTGAGE, L.L.C. is a independent mortgage company, headquartered in FORT MITCHELL, KY, serving borrowers across 6 states, with 2,486 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 10% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 27% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300LEOR2LO8J9RT29
- **Headquarters:** FORT MITCHELL, KY
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** FL, GA, IN, KY, MO, OH
- **Markets (MSAs):** 10
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 90/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.013%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $662
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,486
- **Dollar Volume:** $903 million
- **Applications Received:** 3,078
- **Market Share:** 7.00%

## Typical Borrower Profile

- **Average Loan Amount:** $363,142
- **Average Borrower Income:** $156,058
- **Average Property Value:** $456,400

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (78%)
- ⭐ **FHA Gold Superstar** (78%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (78%)
- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 76/100 | 1,777 | -0.056% | $620 | Strong 😀 |
| FHA | 76/100 | 472 | +0.315% | $791 | Strong 😀 |
| VA | 78/100 | 224 | -0.329% | $880 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,745 loans, Score: 77/100 (Strong)
- Refinance: 32 loans, Score: 42/100 (Sound)

**FHA:**
- Purchase: 470 loans, Score: 77/100 (Strong)

**VA:**
- Purchase: 221 loans, Score: 78/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 78/100 | 2,449 | $891M | +0.000% | Strong 😀 |
| Refinance | 41/100 | 37 | $11M | -0.284% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 1,026 | 0.76% | 84/100 |
| KY | 782 | 1.68% | 90/100 |
| IN | 254 | 0.28% | 70/100 |
| GA | 235 | 0.17% | 69/100 |
| MO | 164 | 0.22% | 65/100 |
| FL | 25 | 0.01% | 39/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cincinnati, OH |  | 973 | 99/100 |
| Columbus, OH | OH | 365 | 84/100 |
| Louisville/Jefferson County, KY | KY-IN | 300 | 85/100 |
| Indianapolis | IN | 223 | 76/100 |
| Dayton | OH | 193 | 76/100 |
| St. Louis, MO | MO-IL | 164 | 72/100 |
| Non |  | 131 | 51/100 |
| Atlanta | GA | 56 | 56/100 |
| Marietta, GA | GA | 52 | 60/100 |
| Panama City | FL | 25 | 55/100 |

## Where This Lender Ranks

VICTORY MORTGAGE, L.L.C. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Ohio Mortgage Companies
  - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Ohio for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Ohio for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Cincinnati, OH
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders)
- 🥇 **#1** in Cincinnati, OH Mortgage Companies
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Cincinnati, OH for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Cincinnati, OH for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Kentucky Mortgage Companies
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Kentucky for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Kentucky for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Columbus, OH
  - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders)
- 🥇 **#1** in Columbus, OH Mortgage Companies
  - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Columbus, OH for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Columbus, OH for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Louisville/Jefferson County, KY
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders)
- 🥇 **#1** in Louisville/Jefferson County, KY Mortgage Companies
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Louisville/Jefferson County, KY for Conventional Loans
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Louisville/Jefferson County, KY for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Indiana Mortgage Companies
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Indianapolis Mortgage Companies
  - [View Full Rankings](https://saferate.com/indianapolis/best-mortgage-lenders/mortgage-companies)

## Frequently Asked Questions

### What loan types does VICTORY MORTGAGE, L.L.C. offer?

VICTORY MORTGAGE, L.L.C. offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does VICTORY MORTGAGE, L.L.C. offer mortgages?

VICTORY MORTGAGE, L.L.C. offers mortgages in 6 states: FL, GA, IN, KY, MO, OH.

### How competitive are VICTORY MORTGAGE, L.L.C.'s mortgage rates?

VICTORY MORTGAGE, L.L.C. has a pricing score of 90/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.013% below market average.

### What type of lender is VICTORY MORTGAGE, L.L.C.?

VICTORY MORTGAGE, L.L.C. is a non-depository lender that specializes in mortgage origination, headquartered in FORT MITCHELL, KY.

### What is VICTORY MORTGAGE, L.L.C.'s loan approval success rate?

VICTORY MORTGAGE, L.L.C. has a pull-through score of 73/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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/victory-mortgage

### How to Cite

> "VICTORY MORTGAGE, L.L.C. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/victory-mortgage

---

**[View Interactive Profile →](https://saferate.com/lenders/victory-mortgage)**