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We analyzed every closed loan from Wolfe Financial — 1.1k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Mediocre
vs. all lenders
Pull Through
Sound
closing strength
Products
Exceptional
FHA · Conventional · VA · USDA
Place
Sound
Multi-Region · 19 mkts
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Safe Rate's 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, Inc performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Below peers +64.7 bps above market avg | |
Pull Through Closing strength | Industry Standard Top 60% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
USDA | Market Leader Top 20% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Industry Standard Top 60% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders Multi-Regional20 markets | |
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 |
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 |
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
States Served
14
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALARFLGAILINLAMSNCSCTNTXVAWI
Top Metro Areas by Place Specialization Score
1
Greensboro, NCMSA
Volume: 85Mix: 7.96%of portfolio
Place
Strong2
Indianapolis, INMSA
Volume: 146Mix: 13.67%of portfolio
Place
Strong3
Killeen, TXMSA
Volume: 67Mix: 6.27%of portfolio
Place
Strong4
Terre Haute, IN, INMSA
Volume: 42Mix: 3.93%of portfolio
Place
Strong5
Memphis, TNMSA
Volume: 58Mix: 5.43%of portfolio
Place
Strong6
Baton Rouge, LA, LAMSA
Volume: 52Mix: 4.87%of portfolio
Place
Strong7
Florence, ALMSA
Volume: 28Mix: 2.62%of portfolio
Place
Sound8
Ocala, FL, FLMSA
Volume: 25Mix: 2.34%of portfolio
Place
Sound9
Houston, TXMSA
Volume: 50Mix: 4.68%of portfolio
Place
Sound10
Knoxville, TN, TNMSA
Volume: 35Mix: 3.28%of portfolio
Place
SoundShowing 10 of 19 metro areas
Top States by Place Specialization Score
1
INState
Volume: 407Mix: 38.11%of portfolio
Place
Strong2
TNState
Volume: 123Mix: 11.52%of portfolio
Place
Strong3
NCState
Volume: 120Mix: 11.24%of portfolio
Place
Strong4
TXState
Volume: 134Mix: 12.55%of portfolio
Place
Strong5
LAState
Volume: 53Mix: 4.96%of portfolio
Place
Sound6
ALState
Volume: 42Mix: 3.93%of portfolio
Place
Sound7
WIState
Volume: 48Mix: 4.49%of portfolio
Place
Sound8
FLState
Volume: 74Mix: 6.93%of portfolio
Place
Sound9
GAState
Volume: 34Mix: 3.18%of portfolio
Place
Sound10
MSState
Volume: 11Mix: 1.03%of portfolio
Place
SoundShowing 10 of 11 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.