Lenders › Victorian Finance, LLC › West Virginia
Victorian Finance, LLC in West Virginia
HMDA record for properties in West Virginia, calendar year 2024. National record · West Virginia overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Victorian Finance, LLC's 2024 HMDA record for West Virginia covers 252 applications, 178 of them originated, worth $36m.
Its denial rate in the state was 1.1%, below the West Virginia rate of 28.3% across all lenders and compared with the lender's national rate of 3.1%.
The median rate spread on its West Virginia originations was 0.2 percentage points (state median 0.4).
Applications in the state were down 37% on 2023.
Compared with the state and the lender's national record
| Measure | In West Virginia | West Virginia, all lenders | Victorian Finance, LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 1.1% | 28.3% | 3.1% | 24.3% |
| Median rate spread, pp | 0.2 | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.7% | 15.8% | 3.6% | 15.6% |
| Average originated loan | $200k | $195k | $240k | $329k |
| Home purchase share | 93.8% | 61.4% | 93.4% | 57.0% |
| FHA-insured share | 23.0% | 17.5% | 26.2% | 13.4% |
| VA-guaranteed share | 6.2% | 9.4% | 6.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateWest Virginia, all lenders
Loan purpose and loan type in West Virginia
By purpose
Home purchase 94% (167)Refinancing 3% (6)Cash-out refinancing 3% (5)
By type
Conventional 70% (124)FHA 23% (41)VA 6% (11)USDA 1% (2)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in West Virginia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Kanawha County | 112 | 80 | $16m | 1.2% |
| Jackson County | 31 | 26 | $5.1m | 0.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Victorian Finance, LLC originate in West Virginia in 2024?
178 loans totalling $36m, from 252 applications reported for properties in West Virginia.
What is Victorian Finance, LLC's denial rate in West Virginia?
1.1% of decided applications in West Virginia were denied, against 28.3% for all lenders in the state and 3.1% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which West Virginia counties does Victorian Finance, LLC lend in most?
By originations: Kanawha County (80), Jackson County (26).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in West Virginia. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.