VICTORIAN FINANCE, LLC
1,038 mortgages originated in 2025 across 4 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,038
- Median rate
- 6.490%
- Median lender fees
- $8,127
- Median loan amount
- $225,000
- Median spread over APOR
- 0.387
- Paid discount points
- 75.5%
- Received lender credits
- 5.7%
- Purchases / refinances
- 91.2% / 8.8%
- Conventional / FHA / VA
- 61% / 29.5% / 6.1%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 93.6% of loans here — see methodology.
Where VICTORIAN FINANCE, LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Pennsylvania | 594 | $8,531 | 6.490% |
| West Virginia | 150 | $5,286 | 6.625% |
| Alabama | 117 | $8,184 | 6.500% |
| North Carolina | 82 | $9,836 | 6.490% |