# VICTORIA FINANCIAL CORP.

> **Canonical URL:** https://saferate.com/lenders/victoria-financial

> **📋 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

VICTORIA FINANCIAL CORP. is a independent mortgage company, headquartered in SAN GABRIEL, CA, with 125 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 25% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 42% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300LMP5T3UBHAEI68
- **Headquarters:** SAN GABRIEL, CA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 75/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.265%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-528
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 125
- **Dollar Volume:** $76 million
- **Applications Received:** 161
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $611,000
- **Average Borrower Income:** $247,568

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 34/100 | 123 | +0.264% | $-513 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 67 loans, Score: 29/100 (Acceptable)
- Refinance: 56 loans, Score: 48/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 29/100 | 67 | $42M | +0.288% | Acceptable 🙂 |
| Refinance | 45/100 | 58 | $34M | +0.238% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 125 | 0.04% | 66/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 65 | 67/100 |
| Anaheim | CA | 24 | 58/100 |
| Riverside | CA | 24 | 55/100 |

## Frequently Asked Questions

### What loan types does VICTORIA FINANCIAL CORP. offer?

VICTORIA FINANCIAL CORP. offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does VICTORIA FINANCIAL CORP. offer mortgages?

VICTORIA FINANCIAL CORP. offers mortgages in 1 states: CA.

### How competitive are VICTORIA FINANCIAL CORP.'s mortgage rates?

VICTORIA FINANCIAL CORP. has a pricing score of 75/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.265% above market average.

### What type of lender is VICTORIA FINANCIAL CORP.?

VICTORIA FINANCIAL CORP. is a non-depository lender that specializes in mortgage origination, headquartered in SAN GABRIEL, CA.

### What is VICTORIA FINANCIAL CORP.'s loan approval success rate?

VICTORIA FINANCIAL CORP. has a pull-through score of 58/100 (Sound). 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/victoria-financial

### How to Cite

> "VICTORIA FINANCIAL CORP. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/victoria-financial

---

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