Wallick & Volk at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
58th7.9% deniedPricingmedian rate spread over APOR, weight 30%
70th0.11 ptsProcesswithdrawn + incomplete share, weight 15%
5th30.2%Closing coststotal loan costs ÷ loan amount, weight 10%
46th2.02% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,971 | 1,486 | 5.2% | 6.5% | 6.63% | $390M |
| 2024 | 1,712 | 1,322 | 5.7% | 6.9% | 6.63% | $364M |
| 2025 | 291 | 187 | 5.5% | 7.9% | 6.63% | $57M |
What Wallick & Volk lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 18 manufactured homes, 13 investment properties.
Why Wallick & Volk denies applications
Primary reason reported for each of the 16 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Wallick & Volk
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 117 | 77 | 8.3% |
| $100k – $150k | 89 | 64 | 3.0% |
| $150k – $250k | 50 | 30 | 3.2% |
| Over $250k | 21 | 9 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 25 | 19 | 0.0% |
| 25–34 | 89 | 64 | 3.0% |
| 35–44 | 87 | 53 | 13.1% |
| 45–54 | 32 | 17 | 15.0% |
| 55–64 | 32 | 19 | 9.5% |
Where Wallick & Volk lends
9 states and 39 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 118 | 62 | 4.2% | 6.63% | #522 |
| Arizona | 68 | 49 | 2.9% | 6.75% | #276 |
| California | 31 | 24 | 6.5% | 6.50% | #588 |
| Wyoming | 31 | 27 | 6.5% | 6.88% | #87 |
| Washington | 29 | 18 | 6.9% | 6.88% | #354 |
| Idaho | 10 | 7 | 10.0% | 6.63% | #271 |
Frequently asked questions
Wallick & Volk denied 7.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 58th percentile of small mortgage lenders.
The most common reason Wallick & Volk gave in 2025 was "employment history", cited on 31.3% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Wallick & Volk originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.11 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 89% of its applications were for home purchases, 11% for refinancing (including cash-out), and 1% for home improvement or other purposes. By loan type: 57% conventional, 34% FHA, 8% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.