VICTORIAN FINANCE, LLC
VICTORIAN FINANCE, LLC received 1,426 applications in 2025 and made 1,038 mortgages, in 169 counties across 17 states. The median rate its borrowers got was 6.490% on a median loan of $225,000. Of 1,091 decisions, 36 were denials — 3.3%, most often for debt-to-income ratio. 2 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300Y7G2MW6V1OR474 |
|---|---|
| Applications received | 1,426 |
| Mortgages made | 1,038 |
| Denied | 36 |
| Approved, not taken up | 17 |
| Withdrawn or incomplete | 335 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.387 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 947 | 6.490% | $215,000 | 3.2% |
| Refinancing | 49 | 6.500% | $265,000 | 6.4% |
| Cash-out refinancing | 42 | 6.933% | $240,000 | 2.0% |
| Other purposes | 0 | Under 10 loans | Under 10 loans | 0.0% |
Where VICTORIAN FINANCE, LLC lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Allegheny County, PA | 340 | 6.490% | 2.8% |
| Washington County, PA | 82 | 6.375% | 0.0% |
| Beaver County, PA | 65 | 6.375% | 0.0% |
| Westmoreland County, PA | 53 | 6.375% | 0.0% |
| Kanawha County, WV | 48 | 6.625% | 5.9% |
| Madison County, AL | 40 | 6.375% | 16.7% |
| Jackson County, WV | 28 | 6.490% | 0.0% |
| Limestone County, AL | 20 | 6.490% | 0.0% |
| Butler County, PA | 20 | 6.433% | 0.0% |
| DeKalb County, AL | 18 | 6.563% | 14.3% |
| Mason County, WV | 18 | 6.688% | 0.0% |
| Alamance County, NC | 15 | 6.625% | 0.0% |
| Morgan County, AL | 14 | 6.563% | 26.3% |
| Guilford County, NC | 12 | 6.438% | 0.0% |
| Putnam County, WV | 10 | 6.625% | 0.0% |
| Lawrence County, PA | 9 | Under 10 loans | 0.0% |
| Person County, NC | 8 | Under 10 loans | 11.1% |
| Lincoln County, TN | 7 | Under 10 loans | 0.0% |
| Cabell County, WV | 7 | Under 10 loans | 0.0% |
| Logan County, WV | 7 | Under 10 loans | 0.0% |
| Nye County, NV | 6 | Under 10 loans | 0.0% |
| Vance County, NC | 6 | Under 10 loans | 0.0% |
| Columbiana County, OH | 6 | Under 10 loans | 0.0% |
| Armstrong County, PA | 6 | Under 10 loans | 0.0% |
| Granville County, NC | 5 | Under 10 loans | 0.0% |
| Jackson County, AL | 4 | Under 10 loans | 0.0% |
| Pasco County, FL | 4 | Under 10 loans | 0.0% |
| Caswell County, NC | 4 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 4 | Under 10 loans | 0.0% |
| Fayette County, PA | 4 | Under 10 loans | 0.0% |
| Somerset County, PA | 4 | Under 10 loans | 0.0% |
| Boone County, WV | 4 | Under 10 loans | 0.0% |
| Greenbrier County, WV | 4 | Under 10 loans | 0.0% |
| Monongalia County, WV | 4 | Under 10 loans | 0.0% |
| Shelby County, AL | 3 | Under 10 loans | 0.0% |
| Brevard County, FL | 3 | Under 10 loans | 0.0% |
| Moore County, NC | 3 | Under 10 loans | 0.0% |
| Warren County, NC | 3 | Under 10 loans | 0.0% |
| Harris County, TX | 3 | Under 10 loans | 0.0% |
| Midland County, TX | 3 | Under 10 loans | 0.0% |
| Fayette County, WV | 3 | Under 10 loans | 0.0% |
| Lincoln County, WV | 3 | Under 10 loans | 0.0% |
| Roane County, WV | 3 | Under 10 loans | 0.0% |
| Cherokee County, AL | 2 | Under 10 loans | 0.0% |
| Cullman County, AL | 2 | Under 10 loans | 0.0% |
| Lauderdale County, AL | 2 | Under 10 loans | 0.0% |
| Lawrence County, AL | 2 | Under 10 loans | 33.3% |
| Marshall County, AL | 2 | Under 10 loans | 33.3% |
| Tuscaloosa County, AL | 2 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 2 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.