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VICTORIAN FINANCE, LLC
Independent Mortgage Company|Harrisburg, PA|Multi-Region
Loans Originated
949
Applications
1,315
Volume
$232 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.377%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,252
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
72.2%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
VICTORIAN FINANCE, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 10 metro areas · 18 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$244,737
Average Borrower Income
$117,866
Average Property Value
$292,692
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Strong | 633 | 66.7% | +0.245% | $3,215 |
FHA Loans | Sound | Strong | Acceptable | Strong | 244 | 25.7% | +0.772% | $3,198 |
VA Loans | Sound | Strong | Mediocre | Strong | 58 | 6.1% | -0.089% | $4,350 |
USDA Loans | Acceptable | Sound | N/A | Mediocre | 10 | 1.1% | +0.469% | $2,421 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Strong | 895 | 94.3% | +0.376% | $3,297 |
Refinance | Acceptable | Sound | Acceptable | Acceptable | 54 | 5.7% | +0.397% | $2,522 |
Geographic Coverage
Metro Areas
9
States Served
18
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALAZCACOFLGAIDKYMANCOHPASCTNTXUTVAWV
Top Metro Areas by Place Specialization Score
1
Pittsburgh, PA, PAMSA
Volume: 510Mix: 53.74%
Place Specialization
Exceptional
2
Charleston, WV, WVMSA
Volume: 80Mix: 8.43%
Place Specialization
Exceptional
3
Huntsville, AL, ALMSA
Volume: 48Mix: 5.06%
Place Specialization
Strong
4
HuntingtonMSA
Volume: 27Mix: 2.85%
Place Specialization
Sound
5
Burlington, NC, NCMSA
Volume: 10Mix: 1.05%
Place Specialization
Sound
6
Houston, TXMSA
Volume: 16Mix: 1.69%
Place Specialization
Sound
7
St. Petersburg, FLMSA
Volume: 11Mix: 1.16%
Place Specialization
Sound
8
Decatur, AL, ALMSA
Volume: 10Mix: 1.05%
Place Specialization
Sound
9
Greensboro, NCMSA
Volume: 10Mix: 1.05%
Place Specialization
Sound
Top States by Place Specialization Score
1
PAState
Volume: 526Mix: 55.43%
Place Specialization
Exceptional
2
WVState
Volume: 166Mix: 17.49%
Place Specialization
Exceptional
3
ALState
Volume: 117Mix: 12.33%
Place Specialization
Strong
4
NCState
Volume: 41Mix: 4.32%
Place Specialization
Sound
5
TXState
Volume: 27Mix: 2.85%
Place Specialization
Sound
6
FLState
Volume: 26Mix: 2.74%
Place Specialization
Sound
7
TNState
Volume: 11Mix: 1.16%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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