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
Promptness
Not enough data
—/5
No quote responses measured yet
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
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,777 loans · 0.06% below market
Strong
Top 40% of lenders
4/5
FHA
472 loans · 0.32% above market
Strong
Top 40% of lenders
4/5
VA
224 loans · 0.33% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
2,449 loans · 0.00% below market
Strong
Top 40% of lenders
4/5
Refinance
37 loans · 0.28% below market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 10 markets
Strong
Top 40% of lenders
4/5
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
6Full-year 2024 · HMDALoans originated
< 200200–1,0001,000+None
Midwest3
INMOOH
South3
FLGAKY
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.