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
Promptness
Not enough data
—/5
No quote responses measured yet
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
2/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
456 loans · 0.39% above market
Strong
Top 40% of lenders
4/5
FHA
441 loans · 0.65% above market
Exceptional
Top 20% of lenders
5/5
VA
119 loans · 0.30% below market
Strong
Top 40% of lenders
4/5
USDA
17 loans · 0.34% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
953 loans · 0.43% above market
Strong
Top 40% of lenders
4/5
Refinance
87 loans · 0.32% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 14 markets
Strong
Top 40% of lenders
4/5
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
11Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Midwest1
NE
South3
FLGATX
West7
AZCACOIDNMWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 13 metro areas
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.