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
Promptness
Not enough data
—/5
No quote responses measured yet
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
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
568 loans · 0.56% above market
Strong
Top 40% of lenders
4/5
FHA
331 loans · 0.93% above market
Strong
Top 40% of lenders
4/5
VA
112 loans · 0.15% above market
Strong
Top 40% of lenders
4/5
USDA
54 loans · 0.64% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
989 loans · 0.65% above market
Strong
Top 40% of lenders
4/5
Refinance
79 loans · 0.55% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 20 markets
Sound
Top 60% of lenders
3/5
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
14Full-year 2024 · HMDALoans originated
< 5050–100100+None
Midwest3
ILINWI
South11
ALARFLGALAMSNCSCTNTXVA
Top Metro Areas by Place Specialization Score
Showing 10 of 19 metro areas
Top States by Place Specialization Score
Showing 10 of 11 states
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.