Wallick & Volk
We analyzed every closed loan from Wallick & Volk — 1.0k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 13 mkts
Awards
FHA
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,077)
Explore another lender or local market
Report Card
Wallick & Volk performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+41.4 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Strong
Top 40% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 14 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 456 | 43.8% | +0.393%Above | $4,522Fees | ||||
FHA Loans | 441 | 42.4% | +0.649%Above | $3,423Fees | ||||
VA Loans | 119 | 11.4% | -0.299%Below | $3,961Fees | ||||
USDA Loans | — | — | 17 | 1.6% | +0.342%Above | $2,450Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume456
Mix43.8%
Spread
+0.393%Above
Fees
$4,522Fees
FHA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughExceptional
Volume441
Mix42.4%
Spread
+0.649%Above
Fees
$3,423Fees
VA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume119
Mix11.4%
Spread
-0.299%Below
Fees
$3,961Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull Through—
Volume17
Mix1.6%
Spread
+0.342%Above
Fees
$2,450Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 953 | 91.6% | +0.431%Above | $3,929Fees | ||||
Refinance | 87 | 8.4% | +0.318%Above | $4,886Fees |
Purchase
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume953
Mix91.6%
Spread
+0.431%Above
Fees
$3,929Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume87
Mix8.4%
Spread
+0.318%Above
Fees
$4,886Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,040
Applications
1,345
Volume
$335 million
Pricing & Closing
Avg Rate Spread
+0.414%
vs. market APOR
Avg Net Fees
$4,077
Origination − Credits
Pullthrough Rate
77.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$322,721
Avg Borrower Income
$119,388
Avg Property Value
$389,731
Geographic Coverage
Geographic Performance
Metro Areas
13
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
11Midwest1
NE
South3
FLGATX
West7
AZCACOIDNMWAWY
Top Metro Areas by Place Specialization Score
Volume 123Mix 11.83% of portfolio
100/100
Exceptional
Volume 147Mix 14.13% of portfolio
94/100
Exceptional
Volume 94Mix 9.04% of portfolio
92/100
Exceptional
Volume 129Mix 12.40% of portfolio
91/100
Exceptional
Volume 68Mix 6.54% of portfolio
89/100
Exceptional
Volume 43Mix 4.13% of portfolio
73/100
Strong
Volume 109Mix 10.48% of portfolio
65/100
Strong
Volume 65Mix 6.25% of portfolio
61/100
Strong
Volume 14Mix 1.35% of portfolio
51/100
Sound
Volume 22Mix 2.12% of portfolio
51/100
SoundShowing 10 of 13 metro areas
Top States by Place Specialization Score
1
WyomingState
Volume 250Mix 24.04% of portfolio
93/100
Exceptional2
TexasState
Volume 472Mix 45.38% of portfolio
75/100
Strong3
ArizonaState
Volume 144Mix 13.85% of portfolio
67/100
Strong4
WashingtonState
Volume 40Mix 3.85% of portfolio
53/100
Sound5
CaliforniaState
Volume 73Mix 7.02% of portfolio
53/100
Sound6
New MexicoState
Volume 25Mix 2.40% of portfolio
51/100
Sound7
IdahoState
Volume 20Mix 1.92% of portfolio
46/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.