Wolfe Financial
We analyzed every closed loan from Wolfe Financial — 1.1k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
Multi-Region · 19 mkts
Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and USDA loans
Things to Think About
- Rates typically 65 basis points above market average
Explore another lender or local market
Report Card
Wolfe Financial performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+64.7 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 20 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 568 | 53.2% | +0.561%Above | $3,480Fees | ||||
FHA Loans | 331 | 31.0% | +0.929%Above | $3,867Fees | ||||
VA Loans | 112 | 10.5% | +0.152%Above | $1,546Fees | ||||
USDA Loans | 54 | 5.1% | +0.637%Above | $2,278Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume568
Mix53.2%
Spread
+0.561%Above
Fees
$3,480Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume331
Mix31.0%
Spread
+0.929%Above
Fees
$3,867Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume112
Mix10.5%
Spread
+0.152%Above
Fees
$1,546Fees
USDA Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume54
Mix5.1%
Spread
+0.637%Above
Fees
$2,278Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 989 | 92.6% | +0.654%Above | $3,320Fees | ||||
Refinance | 79 | 7.4% | +0.554%Above | $4,660Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume989
Mix92.6%
Spread
+0.654%Above
Fees
$3,320Fees
Refinance
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume79
Mix7.4%
Spread
+0.554%Above
Fees
$4,660Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,068
Applications
1,647
Volume
$278 million
Pricing & Closing
Avg Rate Spread
+0.647%
vs. market APOR
Avg Net Fees
$3,421
Origination − Credits
Pullthrough Rate
64.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$260,590
Avg Borrower Income
$110,272
Avg Property Value
$305,852
Geographic Coverage
Geographic Performance
Metro Areas
19
markets with activity
States Served
14
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
14Midwest3
ILINWI
South11
ALARFLGALAMSNCSCTNTXVA
Top Metro Areas by Place Specialization Score
Volume 85Mix 7.96% of portfolio
73/100
Strong
Volume 146Mix 13.67% of portfolio
72/100
Strong
Volume 67Mix 6.27% of portfolio
70/100
Strong
Volume 42Mix 3.93% of portfolio
67/100
Strong
Volume 58Mix 5.43% of portfolio
62/100
Strong
Volume 52Mix 4.87% of portfolio
61/100
Strong
Volume 28Mix 2.62% of portfolio
60/100
Sound
Volume 25Mix 2.34% of portfolio
56/100
Sound
Volume 50Mix 4.68% of portfolio
55/100
Sound
Volume 35Mix 3.28% of portfolio
55/100
SoundShowing 10 of 19 metro areas
Top States by Place Specialization Score
1
IndianaState
Volume 407Mix 38.11% of portfolio
78/100
Strong2
TennesseeState
Volume 123Mix 11.52% of portfolio
66/100
Strong3
North CarolinaState
Volume 120Mix 11.24% of portfolio
62/100
Strong4
TexasState
Volume 134Mix 12.55% of portfolio
60/100
Strong5
LouisianaState
Volume 53Mix 4.96% of portfolio
57/100
Sound6
AlabamaState
Volume 42Mix 3.93% of portfolio
55/100
Sound7
WisconsinState
Volume 48Mix 4.49% of portfolio
55/100
Sound8
FloridaState
Volume 74Mix 6.93% of portfolio
53/100
Sound9
GeorgiaState
Volume 34Mix 3.18% of portfolio
49/100
Sound10
MississippiState
Volume 11Mix 1.03% of portfolio
41/100
SoundShowing 10 of 11 states
How 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.