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
Promptness
Not enough data
—/5
No quote responses measured yet
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
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
633 loans · 0.24% above market
Strong
Top 40% of lenders
4/5
FHA
244 loans · 0.77% above market
Strong
Top 40% of lenders
4/5
VA
58 loans · 0.09% below market
Strong
Top 40% of lenders
4/5
USDA
10 loans · 0.47% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
895 loans · 0.38% above market
Strong
Top 40% of lenders
4/5
Refinance
54 loans · 0.40% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 10 markets
Sound
Top 60% of lenders
3/5
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
18Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast2
MAPA
Midwest1
OH
South10
ALFLGAKYNCSCTNTXVAWV
West5
AZCACOIDUT
Top Metro Areas by Place Specialization Score
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.