Victorian Finance
We analyzed every closed loan from Victorian Finance — 949 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
Multi-Region · 9 mkts
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Victorian Finance performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+37.7 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
USDA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 10 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 633 | 66.7% | +0.245%Above | $3,215Fees | ||||
FHA Loans | 244 | 25.7% | +0.772%Above | $3,198Fees | ||||
VA Loans | 58 | 6.1% | -0.089%Below | $4,350Fees | ||||
USDA Loans | — | 10 | 1.1% | +0.469%Above | $2,421Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume633
Mix66.7%
Spread
+0.245%Above
Fees
$3,215Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume244
Mix25.7%
Spread
+0.772%Above
Fees
$3,198Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume58
Mix6.1%
Spread
-0.089%Below
Fees
$4,350Fees
USDA Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughMediocre
Volume10
Mix1.1%
Spread
+0.469%Above
Fees
$2,421Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 895 | 94.3% | +0.376%Above | $3,297Fees | ||||
Refinance | 54 | 5.7% | +0.397%Above | $2,522Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume895
Mix94.3%
Spread
+0.376%Above
Fees
$3,297Fees
Refinance
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume54
Mix5.7%
Spread
+0.397%Above
Fees
$2,522Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
949
Applications
1,315
Volume
$232 million
Pricing & Closing
Avg Rate Spread
+0.377%
vs. market APOR
Avg Net Fees
$3,252
Origination − Credits
Pullthrough Rate
72.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$244,737
Avg Borrower Income
$117,866
Avg Property Value
$292,692
Geographic Coverage
Geographic Performance
Metro Areas
9
markets with activity
States Served
18
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
18Northeast2
MAPA
Midwest1
OH
South10
ALFLGAKYNCSCTNTXVAWV
West5
AZCACOIDUT
Top Metro Areas by Place Specialization Score
Volume 510Mix 53.74% of portfolio
94/100
Exceptional
Volume 80Mix 8.43% of portfolio
88/100
Exceptional
Volume 48Mix 5.06% of portfolio
65/100
Strong
Volume 27Mix 2.85% of portfolio
58/100
Sound
Volume 10Mix 1.05% of portfolio
44/100
Sound
Volume 16Mix 1.69% of portfolio
42/100
Sound
Volume 11Mix 1.16% of portfolio
42/100
Sound
Volume 10Mix 1.05% of portfolio
42/100
Sound
Volume 10Mix 1.05% of portfolio
41/100
SoundTop States by Place Specialization Score
1
PennsylvaniaState
Volume 526Mix 55.43% of portfolio
83/100
Exceptional2
West VirginiaState
Volume 166Mix 17.49% of portfolio
80/100
Exceptional3
AlabamaState
Volume 117Mix 12.33% of portfolio
69/100
Strong4
North CarolinaState
Volume 41Mix 4.32% of portfolio
50/100
Sound5
TexasState
Volume 27Mix 2.85% of portfolio
43/100
Sound6
FloridaState
Volume 26Mix 2.74% of portfolio
42/100
Sound7
TennesseeState
Volume 11Mix 1.16% of portfolio
37/100
AcceptableHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.