Victoria Financial Corp Mortgage Interest Rate and Cost Review

Is Victoria Financial Corp a cheap or expensive mortgage lender? To help you shop for a mortgage, we compare the interest rates and closing costs charged by Victoria Financial Corp to those of other lenders for a comparable set of borrowers. Here is our review of Victoria Financial Corp nationally:

Review ItemVictoria Financial Corp
Interest Ratelower than other lenders (-0.10%)
Loan Related Closing Costslower than other lenders (-$1964)
National Rate and Closing Cost Star Rating(4.5)

On average, Victoria Financial Corp’s interest rates were lower than those of other lenders (-0.10%). Its loan related closing costs were also lower than those of other lenders, with a difference of -$1964. Overall, combining interest rates and closing costs we estimate that Victoria Financial Corp tends to be a cheap lender, and give it a National Rate and Closing Costs Rating of 4.5 out of 5 stars. This is an excellent rating and places it among the top 15% of lenders nationwide.

We maintain our independence by not accepting any money from the mortgage lenders we review. To visit Victoria Financial Corp, check out its website at:

Victoria Financial Corp’s Rate Review by City

Mortgage lenders often set different rates in different geographical markets. For our list of the top mortgage lenders by city, click here. In particular, among the cities we track Victoria Financial Corp was most active in:

  1. Los Angeles, CA
  2. San Diego, CA
  3. San Francisco, CA
  4. Sacramento, CA
  5. San Jose, CA

Victoria Financial Corp’s Rate Review by Mortgage Type

Mortgage lenders also tend to charge different interest rates and closing costs depending on the type of mortgage. In our data, Victoria Financial Corp originated Conforming, Jumbo and VA mortgages for new home purchases and refinances. Its average interest rate and total loan related closing cost difference relative to other lenders by mortgages type is as follows.

New Purchase MortgagesConformingJumboVA
Interest Rate Difference-0.01%+0.02%+0.01%
Loan Related Closing Cost Difference-$567-$11+$14
Cost Adjusted Rate Difference-0.03%+0.02%+0.01%
National Star Rating(3.5)(3.5)(3.5)
Refinance MortgagesConformingJumboVA
Interest Rate Difference-0.13%+0.01%-0.01%
Loan Related Closing Cost Difference-$2324-$66-$53
Cost Adjusted Rate Difference-0.22%+0.00%-0.01%
Average Star Rating(4.5)(3.5)(3.5)

As a summary, Victoria Financial Corp is similar to other lenders for Conforming, Jumbo and VA purchase mortgages. For refinancing, Victoria Financial Corp is cheap for Conforming mortgage refinance. It is similar to other lenders for Jumbo and VA mortgage refinance. Nevertheless, individual circumstances can matter a lot for mortgage rates, and we always recommend shopping among several of our top mortgage lenders in your area before signing.

Other information about Victoria Financial Corp:

Registered name: Victoria Financial Corp
Registered city and state: San Gabriel, CA, 91776
Regulator: United States Department of Housing and Urban Development (HUD)

* Source of the data is Federal Financial Institutions Examination Council (FFIEC) and is for mortgages originated in the past year. Our comparable mortgages analysis controls for Victoria Financial Corp’s distribution of loan term (e.g. 30 year vs 15 year), loan-to-value (LTV), debt-to-income (DTI), loan amount, loan program (e.g. Conforming/FHA), loan purpose (e.g. purchase/refinance), and commuting zone. Cost adjusted rates were computed based on each percent of the loan amount in above average loan related closing costs being worth +0.15 of a percentage point in interest rate. Furthermore, the amounts are regularized using a Bayesian approach to control for small samples.