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 score and performance metrics.

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 an overall pricing score of 30.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is VICTORIAN FINANCE, LLC?

VICTORIAN FINANCE, LLC is a Independent Mortgage Company headquartered in Harrisburg, PA.

Unclaimed

Victorian Finance, LLC

Independent Mortgage Company•Harrisburg, PA•Direct to Consumer

We analyzed every closed loan from Victorian Finance — 949 loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Acceptable

vs. all lenders

Pull Through

Strong

closing strength

Products

Strong

FHA · Conventional · VA · USDA

Place

Sound

Multi-Region · 9 mkts

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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

Explore another lender or local market

Report Card

Victorian Finance, LLC performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Acceptable	Near industry average +37.7 bps above market avg
Pull Through Closing strength	Strong	Highly Competitive Top 40% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
USDA	Sound	Industry Standard Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Sound	Industry Standard Top 60% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Multi-Regional10 markets

Loan Product Performance

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%Above	$3,215Fees
FHA Loans	Sound	Strong	Acceptable	Strong	244	25.7%	+0.772%Above	$3,198Fees
VA Loans	Sound	Strong	Mediocre	Strong	58	6.1%	-0.089%Below	$4,350Fees
USDA Loans	Acceptable	Sound	—	Mediocre	10	1.1%	+0.469%Above	$2,421Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Acceptable	Strong	895	94.3%	+0.376%Above	$3,297Fees
Refinance	Acceptable	Sound	Acceptable	Acceptable	54	5.7%	+0.397%Above	$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

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALAZCACOFLGAIDKYMANCOHPASCTNTXUTVAWV

Top Metro Areas by Place Specialization Score

Pittsburgh, PA, PAMSA

Volume: 510Mix: 53.74%of portfolio

Place

Exceptional

Charleston, WV, WVMSA

Volume: 80Mix: 8.43%of portfolio

Place

Exceptional

Huntsville, AL, ALMSA

Volume: 48Mix: 5.06%of portfolio

Place

Strong

HuntingtonMSA

Volume: 27Mix: 2.85%of portfolio

Place

Sound

Burlington, NC, NCMSA

Volume: 10Mix: 1.05%of portfolio

Place

Sound

Houston, TXMSA

Volume: 16Mix: 1.69%of portfolio

Place

Sound

St. Petersburg, FLMSA

Volume: 11Mix: 1.16%of portfolio

Place

Sound

Decatur, AL, ALMSA

Volume: 10Mix: 1.05%of portfolio

Place

Sound

Greensboro, NCMSA

Volume: 10Mix: 1.05%of portfolio

Place

Sound

Top States by Place Specialization Score

PAState

Volume: 526Mix: 55.43%of portfolio

Place

Exceptional

WVState

Volume: 166Mix: 17.49%of portfolio

Place

Exceptional

ALState

Volume: 117Mix: 12.33%of portfolio

Place

Strong

NCState

Volume: 41Mix: 4.32%of portfolio

Place

Sound

TXState

Volume: 27Mix: 2.85%of portfolio

Place

Sound

FLState

Volume: 26Mix: 2.74%of portfolio

Place

Sound

TNState

Volume: 11Mix: 1.16%of portfolio

Place

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.