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VICTORY MORTGAGE, L.L.C.
Independent Mortgage Company|FORT MITCHELL, KY|Multi-Region
Loans Originated
2,486
Applications
3,078
Volume
$902 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.013%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$662
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
80.8%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 1.30 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
Report Card
VICTORY MORTGAGE, L.L.C. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
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 | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Multi-Regional · 10 metro areas · 6 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$363,142
Average Borrower Income
$156,058
Average Property Value
$456,400
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Exceptional | Strong | 1,777 | 71.5% | -0.056% | $620 |
FHA Loans | Strong | Strong | Exceptional | Strong | 472 | 19.0% | +0.315% | $791 |
VA Loans | Strong | Strong | Strong | Strong | 224 | 9.0% | -0.329% | $880 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Exceptional | Strong | 2,449 | 98.5% | +0.000% | $742 |
Refinance | Strong | Sound | Exceptional | Sound | 37 | 1.5% | -0.284% | -$970 |
Geographic Coverage
Metro Areas
9
States Served
6
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
FLGAINKYMOOH
Top Metro Areas by Place Specialization Score
1
Cincinnati, OHMSA
Volume: 973Mix: 39.14%
Place Specialization
Exceptional
2
Louisville/Jefferson County, KY, KY-INMSA
Volume: 300Mix: 12.07%
Place Specialization
Exceptional
3
Columbus, OH, OHMSA
Volume: 365Mix: 14.68%
Place Specialization
Exceptional
4
Dayton, OHMSA
Volume: 193Mix: 7.76%
Place Specialization
Strong
5
Indianapolis, INMSA
Volume: 223Mix: 8.97%
Place Specialization
Strong
6
St. Louis, MO, MO-ILMSA
Volume: 164Mix: 6.60%
Place Specialization
Strong
7
Marietta, GA, GAMSA
Volume: 52Mix: 2.09%
Place Specialization
Strong
8
Atlanta, GAMSA
Volume: 56Mix: 2.25%
Place Specialization
Sound
9
Panama City, FLMSA
Volume: 25Mix: 1.01%
Place Specialization
Sound
Top States by Place Specialization Score
1
KYState
Volume: 782Mix: 31.46%
Place Specialization
Exceptional
2
OHState
Volume: 1,026Mix: 41.27%
Place Specialization
Exceptional
3
INState
Volume: 254Mix: 10.22%
Place Specialization
Strong
4
GAState
Volume: 235Mix: 9.45%
Place Specialization
Strong
5
MOState
Volume: 164Mix: 6.60%
Place Specialization
Strong
6
FLState
Volume: 25Mix: 1.01%
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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