Victoria Financial at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
92nd1.4% deniedPricingmedian rate spread over APOR, weight 30%
67th0.14 ptsProcesswithdrawn + incomplete share, weight 15%
20th19.8%Closing coststotal loan costs ÷ loan amount, weight 10%
94th0.53% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 75 | 51 | 2.7% | 3.6% | 6.99% | $32M |
| 2024 | 161 | 125 | 1.9% | 2.2% | 6.75% | $76M |
| 2025 | 182 | 143 | 1.1% | 1.4% | 6.62% | $88M |
What Victoria Financial lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 45 investment properties.
Why Victoria Financial denies applications
Primary reason reported for each of the 2 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Victoria Financial
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $100k – $150k | 26 | 20 | 0.0% |
| $150k – $250k | 61 | 48 | 2.0% |
| Over $250k | 81 | 65 | 1.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 43 | 35 | 0.0% |
| 35–44 | 41 | 33 | 0.0% |
| 45–54 | 44 | 35 | 2.7% |
| 55–64 | 32 | 27 | 0.0% |
Where Victoria Financial lends
1 states and 14 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 182 | 143 | 1.1% | 6.62% | #376 |
Frequently asked questions
Victoria Financial denied 1.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 92nd percentile of small mortgage lenders.
The most common reason Victoria Financial gave in 2025 was "incomplete application", cited on 50.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Victoria Financial originated in 2025 was 6.62%, and its median rate spread over the average prime offer rate was 0.14 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 41% of its applications were for home purchases, 59% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 99% conventional, 1% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.