Victory Mortgage
We analyzed every closed loan from Victory Mortgage — 2.5k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 9 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
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
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Report Card
Victory Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 1.3 bps below 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
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
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,777 | 71.5% | -0.056%Below | $620Fees | ||||
FHA Loans | 472 | 19.0% | +0.315%Above | $791Fees | ||||
VA Loans | 224 | 9.0% | -0.329%Below | $880Fees |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume1,777
Mix71.5%
Spread
-0.056%Below
Fees
$620Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume472
Mix19.0%
Spread
+0.315%Above
Fees
$791Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume224
Mix9.0%
Spread
-0.329%Below
Fees
$880Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,449 | 98.5% | +0.000%Above | $742Fees | ||||
Refinance | 37 | 1.5% | -0.284%Below | $970Credit |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume2,449
Mix98.5%
Spread
+0.000%Above
Fees
$742Fees
Refinance
OverallSound
ProductSound
PricingExceptional
Pull ThroughSound
Volume37
Mix1.5%
Spread
-0.284%Below
Fees
$970Credit
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,486
Applications
3,078
Volume
$902 million
Pricing & Closing
Avg Rate Spread
-0.013%
vs. market APOR
Avg Net Fees
$662
Origination − Credits
Pullthrough Rate
80.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$363,142
Avg Borrower Income
$156,058
Avg Property Value
$456,400
Geographic Coverage
Geographic Performance
Metro Areas
9
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
6Midwest3
INMOOH
South3
FLGAKY
Top Metro Areas by Place Specialization Score
Volume 973Mix 39.14% of portfolio
99/100
Exceptional
Volume 300Mix 12.07% of portfolio
85/100
Exceptional
Volume 365Mix 14.68% of portfolio
84/100
Exceptional
Volume 193Mix 7.76% of portfolio
76/100
Strong
Volume 223Mix 8.97% of portfolio
76/100
Strong
Volume 164Mix 6.60% of portfolio
72/100
Strong
Volume 52Mix 2.09% of portfolio
60/100
Strong
Volume 56Mix 2.25% of portfolio
56/100
Sound
Volume 25Mix 1.01% of portfolio
55/100
SoundTop States by Place Specialization Score
1
KentuckyState
Volume 782Mix 31.46% of portfolio
90/100
Exceptional2
OhioState
Volume 1,026Mix 41.27% of portfolio
84/100
Exceptional3
IndianaState
Volume 254Mix 10.22% of portfolio
70/100
Strong4
GeorgiaState
Volume 235Mix 9.45% of portfolio
69/100
Strong5
MissouriState
Volume 164Mix 6.60% of portfolio
65/100
Strong6
FloridaState
Volume 25Mix 1.01% of portfolio
39/100
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.