Purchase Originations
881
Ranked #417 nationally
Median Total Costs
$8,043
+20.4% vs national ($6,680)
↑ $556 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.010% vs prior year
Median Origination
$3,331
Median Lender Credits
$500
Cost Rank (500+ vol.)
#442
among lenders with 500+ originations
Denial Rate
2.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 503 | 6.490% | $6,985 | $3,989 |
| fha | 287 | 6.375% | $9,451 | $2,963 |
| va | 55 | 6.250% | $5,477 | $0 |
| usda | 36 | 6.375% | $6,363 | $1,921 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 521 | 6.375% | $8,544 | #43 |
| West Virginia | 141 | 6.625% | $5,286 | #25 |
| Alabama | 86 | 6.500% | $8,023 | #102 |
| North Carolina | 68 | 6.375% | $9,844 | #176 |
| Florida | 15 | 6.500% | $7,538 | — |
| Texas | 13 | 6.625% | $11,533 | — |
| Ohio | 11 | 6.490% | $6,440 | — |
| Tennessee | 10 | 6.562% | $10,303 | — |
| Nevada | 4 | 6.740% | $3,369 | — |
| Virginia | 3 | 6.625% | $8,418 | — |
| Georgia | 2 | 6.938% | $15,220 | — |
| Kentucky | 2 | 6.938% | $4,878 | — |
| South Carolina | 2 | 6.620% | $7,739 | — |
| Massachusetts | 1 | 6.125% | $5,854 | — |
| Michigan | 1 | 6.750% | $10,301 | — |
| Minnesota | 1 | 6.500% | $5,282 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,479 | 6.625% | — | 46 | −$3,564 | |
| 2 | $4,805 | 6.870% | — | 6 | −$3,238 | |
| 3 | $5,632 | 6.490% | — | 27 | −$2,411 | |
| 4 | $5,778 | 6.750% | — | 17 | −$2,265 | |
| 5 | $6,561 | 6.625% | — | 10 | −$1,482 | |
| 6 | $6,899 | 6.562% | — | 6 | −$1,144 | |
| 7 | $7,228 | 6.490% | — | 14 | −$815 | |
| 8 | $7,321 | 6.375% | — | 8 | −$722 | |
| 9 | $7,329 | 6.500% | — | 16 | −$714 | |
| 10 | $8,196 | 6.500% | — | 11 | +$153 | |
| 11 | $8,260 | 6.250% | — | 27 | +$217 | |
| 12 | $8,474 | 6.562% | — | 14 | +$431 | |
| 13 | $8,544 | 6.375% | — | 293 | +$501 | |
| 14 | $8,559 | 6.375% | — | 57 | +$516 | |
| 15 | $8,574 | 6.375% | — | 51 | +$531 | |
| 16 | $8,645 | 6.375% | — | 79 | +$602 | |
| 17 | $9,181 | 6.375% | — | 15 | +$1,138 | |
| 18 | $9,521 | 6.562% | — | 6 | +$1,478 | |
| 19 | $9,737 | 6.250% | — | 9 | +$1,694 | |
| 20 | $12,701 | 6.250% | — | 7 | +$4,658 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Victorian Finance, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $225,000 | $335,000 | −$110,000 (−32.8%) |
| Median total closing costs | $8,043 | $7,127 | +$916 (+12.9%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.