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We analyzed every closed loan from Wallick Volk — 1.0k loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Exceptional
FHA · Conventional · VA · USDA
Place
Strong
Multi-Region · 13 mkts
Safe Rate Awards⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar
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Safe Rate's 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, Inc. performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +41.4 bps above market avg | |
Pull Through Closing strength | Market Leader Top 20% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
USDA | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders Multi-Regional14 markets | |
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 |
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 |
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
States Served
11
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
AZCACOFLGAIDNENMTXWAWY
Top Metro Areas by Place Specialization Score
1
Victoria, TX, TXMSA
Volume: 123Mix: 11.83%of portfolio
Place
Exceptional2
Waco, TX, TXMSA
Volume: 147Mix: 14.13%of portfolio
Place
Exceptional3
Casper, WY, WYMSA
Volume: 94Mix: 9.04%of portfolio
Place
Exceptional4
Cheyenne, WY, WYMSA
Volume: 129Mix: 12.40%of portfolio
Place
Exceptional5
El Centro, CA, CAMSA
Volume: 68Mix: 6.54%of portfolio
Place
Exceptional6
College Station, TXMSA
Volume: 43Mix: 4.13%of portfolio
Place
Strong7
Phoenix, AZMSA
Volume: 109Mix: 10.48%of portfolio
Place
Strong8
San Antonio, TXMSA
Volume: 65Mix: 6.25%of portfolio
Place
Strong9
Flagstaff, AZ, AZMSA
Volume: 14Mix: 1.35%of portfolio
Place
Sound10
Albuquerque, NM, NMMSA
Volume: 22Mix: 2.12%of portfolio
Place
SoundShowing 10 of 13 metro areas
Top States by Place Specialization Score
1
WYState
Volume: 250Mix: 24.04%of portfolio
Place
Exceptional2
TXState
Volume: 472Mix: 45.38%of portfolio
Place
Strong3
AZState
Volume: 144Mix: 13.85%of portfolio
Place
Strong4
WAState
Volume: 40Mix: 3.85%of portfolio
Place
Sound5
CAState
Volume: 73Mix: 7.02%of portfolio
Place
Sound6
NMState
Volume: 25Mix: 2.40%of portfolio
Place
Sound7
IDState
Volume: 20Mix: 1.92%of portfolio
Place
SoundHow We Rank Lenders
Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.
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.