Applications / Mortgage Analytics / Lenders / California / Victoria Financial
San Gabriel, CA · Non-bank or government lender · CFPB · 143 loans in 2025
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143
loans originated, 2025
182
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Victoria Financial is a small California lender of large conventional loans, seven in ten of them in majority-minority neighborhoods, and it grew in 2025 while similar lenders shrank.
It made 143 loans in 2025, 14% more than in 2024. Similar lenders (non-bank or government lenders making between half and twice as many loans) fell by 3%, while the whole market rose 10%. It is a fraction of its former size: in 2020 it made 3,014 loans, and by 2023 only 51.
All its lending is in California, in 12 counties. Its typical loan, $585,000, was far above peers' $365,000 and larger than at about seven in ten similar lenders. Every loan was conventional, and refinances made up 61.5% of the total. In Los Angeles, its largest market, it ranked 206th of 757 lenders.
Some 71.3% of its loans were in majority-minority neighborhoods, against 38.7% at similar lenders, a higher share than at about nineteen in twenty. That share has held near seven in ten for years: 69.6% in 2024 and 67.9% in 2020.
Just 5.6% of its borrowers had low or moderate incomes, against 21.1% at peers, and 9.8% of its loans were in poorer neighborhoods (low- and moderate-income tracts), against 24.1%. Its loans are much larger than peers', which may go with buyers and owners who earn more. None of its loans was higher-priced (a rate well above the average for similar loans).
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Victoria Financial took 182 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 61.5% · Purchase 38.5%
Conventional 100.0% · of 143 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 143 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 67 |
| Anaheim-Santa Ana-Irvine | 37 |
| Riverside-San Bernardino-Ontario | 20 |
| Oxnard-Thousand Oaks-Ventura | 7 |
| San Diego-Chula Vista-Carlsbad | 4 |
| Oakland-Fremont-Berkeley | 3 |
| Sacramento-Roseville-Folsom | 3 |
| San Francisco-San Mateo-Redwood City | 1 |
| Santa Maria-Santa Barbara | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LMP5T3UBHAEI68 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7954249171 |
Established 30 March 1989. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Victoria Financial's data.
Victoria Financial's data
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