Victoria
Metropolitan Statistical Area · MSA Code 47020
According to CFPB HMDA 2024 application volume among tracked metros, Victoria ranks #398 of 418.
Mortgage lending activity in the Victoria metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The Victoria Metropolitan Statistical Area (MSA code 47020) recorded 2,701 HMDA-reported mortgage applications in 2024. Lenders originated 1,118 of those and denied others at a rate of 22.9%, for an approval (origination) rate of 41.4%. The average loan amount across the MSA was $201,801 at an average note rate of 7.10%. 20 major lenders are tracked for this metro - Wallick and Volk, INC., TDECU, Rocket Mortgage lead by origination volume. Among the 418 metros tracked, Victoria ranks #408 by denial rate (the 2nd percentile for approval-friendliness), and shares its 5-point denial-rate band with 47 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Victoria denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 22.9% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $201,801 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Victoria
In Victoria, lead originator Wallick and Volk, INC. funded 12.1% of 1,118 originated loans, in the middle tercile of U.S. metros (~8.7-12.8% top-1). The top three reporters together hold 30.5% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Metros With a Similar Denial Rate
The metro areas closest to Victoria's 22.9% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Victoria's 2,701 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Victoria's $201,801 average loan (deduped against denial and volume peers).
Lenders active in the Victoria metro
Wallick and Volk, INC. funded 135 of the 1,118 loans originated here, 12.1% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | Wallick and Volk, INC. | 135 | 189 | $249,339 | 12.1% |
| 2 | TDECU | 120 | 163 | $184,939 | 10.7% |
| 3 | Rocket Mortgage | 86 | 126 | $240,159 | 7.7% |
| 4 | Prosperity Bank | 81 | 190 | $224,526 | 7.2% |
| 5 | United Wholesale Mortgage | 72 | 99 | $268,131 | 6.4% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. Metropolitan Statistical Areas defined by the U.S. Office of Management and Budget (OMB).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Victoria borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Victoria page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.