Wallick & Volk Mortgage Rates, Fees & Info
Cheyenne, WYLEI: 549300FWQNRPTKXB8G79
Tax ID: 83-0171636
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Mortgage Data
Review & Overview
Wallick & Volk is a small mortgage company specializing in Home Purchase loans. Wallick & Volk has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Phoenix, Flagstaff, San Diego, Cheyenne, and Dallas among others. We have data for 89 markets. (Some data included below & more in-depth data is available with an active subscription.)Wallick & Volk has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Wallick & Volk is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.39% | 4/22/24 |
| 30 Year Conventional Refi | 6.76% | 4/22/24 |
| 30 Year Cash-out Refi | 7.00% | 4/22/24 |
| 30 Year FHA Purchase | 7.44% | 4/22/24 |
| 30 Year FHA Refi | 7.42% | 4/22/24 |
| 30 Year VA Purchase | 6.25% | 4/22/24 |
| 30 Year VA Refi | 6.25% | 4/22/24 |
| 30 Year USDA Purchase | 6.57% | 4/22/24 |
| 15 Year Conventional Purchase | 6.50% | 4/22/24 |
| 15 Year Conventional Refi | 6.44% | 4/22/24 |
| 15 Year Cash-out Refi | 6.44% | 4/22/24 |
| 15 Year VA Refi | 5.68% | 4/22/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Wallick & Volk Mortgage Calculator
Your Estimates
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This is not an official calculator from Wallick & Volk. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
5,499Origination Dollar Volume (All Markets)
$1,229,875,000Awards
Wallick & Volk - 2019
Wallick & Volk is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 901 | $218,845,000 | $242,891 | $4,555 | 4.56% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 365 | $106,765,000 | $292,507 | $5,269 | 4.32% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 238 | $84,430,000 | $354,748 | $6,679 | 3.74% |
| CHEYENNE, WY (FHA|USDA|VA) | 394 | $82,890,000 | $210,381 | $4,456 | 3.67% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 325 | $81,215,000 | $249,892 | $6,729 | 4.58% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 345 | $80,585,000 | $233,580 | $5,197 | 4.51% |
| CASPER, WY (FHA|USDA|VA) | 502 | $72,070,000 | $143,566 | $2,778 | 3.27% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 351 | $70,495,000 | $200,840 | $5,084 | 4.50% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 169 | $66,645,000 | $394,349 | $5,357 | 4.06% |
| WACO, TX (FHA|USDA|VA) | 325 | $63,085,000 | $194,108 | $3,085 | 4.42% |
| EL CENTRO, CA (FHA|USDA|VA) | 356 | $59,160,000 | $166,180 | $4,822 | 3.59% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 268 | $42,160,000 | $157,313 | $3,545 | 4.19% |
| VICTORIA, TX (FHA|USDA|VA) | 173 | $32,695,000 | $188,988 | $5,296 | 4.37% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 132 | $27,480,000 | $208,182 | $3,233 | 4.52% |
| Outside of Metro Areas | 163 | $26,355,000 | $161,687 | $3,462 | 3.99% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 68 | $17,340,000 | $255,000 | $6,154 | 3.70% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 33 | $14,405,000 | $436,515 | $7,427 | 4.30% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 38 | $9,010,000 | $237,105 | $6,404 | 4.76% |
| Brenham, TX (FHA|USDA|VA) | 31 | $6,425,000 | $207,258 | $3,383 | 4.53% |
| Huntsville, TX (FHA|USDA|VA) | 30 | $5,990,000 | $199,667 | $2,844 | 4.48% |
| Aberdeen, WA (FHA|USDA|VA) | 25 | $5,085,000 | $203,400 | $3,835 | 4.10% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 20 | $4,440,000 | $222,000 | $3,568 | 3.96% |
| Outside of Metro Areas | 18 | $4,330,000 | $240,556 | $5,564 | 3.62% |
| Show Low, AZ (FHA|USDA|VA) | 23 | $3,885,000 | $168,913 | $3,712 | 4.60% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 20 | $3,560,000 | $178,000 | $3,777 | 4.36% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 7 | $2,215,000 | $316,429 | $5,182 | 3.68% |
| Port Lavaca, TX (FHA|USDA|VA) | 13 | $1,975,000 | $151,923 | $5,254 | 4.57% |
| Laramie, WY (FHA|USDA|VA) | 8 | $1,880,000 | $235,000 | $6,778 | 3.97% |
| TUCSON, AZ (FHA|USDA|VA) | 9 | $1,875,000 | $208,333 | $3,252 | 4.49% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 8 | $1,830,000 | $228,750 | $7,547 | 4.59% |
| Moscow, ID (FHA|USDA|VA) | 6 | $1,800,000 | $300,000 | $6,760 | 4.58% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $1,560,000 | $780,000 | $11,275 | 4.75% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 6 | $1,520,000 | $253,333 | $7,830 | 3.73% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 4 | $1,450,000 | $362,500 | $3,606 | 4.56% |
| SANTA FE, NM (FHA|USDA|VA) | 9 | $1,405,000 | $156,111 | $3,683 | 4.79% |
| Oak Harbor, WA (FHA|USDA|VA) | 6 | $1,340,000 | $223,333 | $4,174 | 2.73% |
| Uvalde, TX (FHA|USDA|VA) | 7 | $1,225,000 | $175,000 | $4,152 | 4.36% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 6 | $1,140,000 | $190,000 | $4,358 | 2.79% |
| YUMA, AZ (FHA|USDA|VA) | 5 | $1,065,000 | $213,000 | $4,406 | 4.05% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $8,953 | 4.13% |
| Port Angeles, WA (FHA|USDA|VA) | 6 | $970,000 | $161,667 | $5,476 | 3.13% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $9,987 | 4.00% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $4,134 | 4.08% |
| Brookings, OR (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $4,833 | 4.63% |
| Rock Springs, WY (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $2,424 | 3.75% |
| Sandpoint, ID (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $6,598 | 4.50% |
| Payson, AZ (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $2,886 | 4.96% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $825 | 4.38% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $7,894 | 4.46% |
| Shelton, WA (FHA|USDA|VA) | 5 | $585,000 | $117,000 | $2,994 | 2.63% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $4,026 | 4.31% |
| Kerrville, TX (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $7,808 | 4.17% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $7,171 | 4.00% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $1,580 | 4.63% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $9,561 | 3.81% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $2,935 | 4.83% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $17,264 | 3.63% |
| Clovis, NM (FHA|USDA|VA) | 6 | $430,000 | $71,667 | $2,675 | 4.81% |
| Gillette, WY (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,150 | 4.56% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,303 | 4.88% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $8,212 | 3.63% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $10,292 | 4.38% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,290 | 4.50% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,110 | 4.50% |
| Centralia, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,742 | 4.13% |
| Bonham, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $12,463 | 4.00% |
| Sheridan, WY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,173 | 4.38% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,891 | 5.00% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $5,288 | 4.19% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $3,107 | 2.25% |
| Pullman, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,010 | 4.63% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,613 | 5.13% |
| Riverton, WY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,225 | 5.00% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,303 | 4.00% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,390 | 4.88% |
| Bay City, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,083 | 4.75% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,342 | 5.00% |
| Granbury, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,273 | 4.38% |
| Rockport, TX (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $3,176 | 5.00% |
| Scottsbluff, NE (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,502 | 3.88% |
| Astoria, OR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,424 | 4.50% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,088 | 5.38% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 3.50% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,832 | 5.13% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,344 | 4.00% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 4.88% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,346 | 4.75% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,867 | 4.88% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.75% |
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Product Mix
For 2019, Wallick & Volk's most frequently originated type of loan was Conventional, with 3,370 originations. Their 2nd most popular type was FHA, with 1,509 originations.
Loan Reason
For 2019, Wallick & Volk's most frequently cited loan purpose was Home Purchase, with 4,324 originations. The 2nd most popular reason was Refi, with 643 originations.
Loan Duration/Length
For 2019, Wallick & Volk's most frequently cited loan duration was 30 Year, with 5,161 originations. The 2nd most popular length was 15 Year, with 165 originations.
Origination Fees/Closing Costs
Wallick & Volk's average total fees were $4,757, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,711 originations.
Interest Rates
During 2019, Wallick & Volk's average interest rate for loans was 4.20%, while their most frequently originated rate bucket for loans was 4-5%, with 2,482 originations.
Loan Sizing
2019 saw Wallick & Volk place emphasis on $200k-400k loans with 2,563 originations, totaling $694,235,000 in origination value.
Applicant Income
Wallick & Volk lent most frequently to those with incomes in the $50k-75k range, with 1,652 originations. The second most popular income band? $50k or less, with 1,089 originations.
Applicant Debt to Income Ratio
Wallick & Volk lent most frequently to those with DTI ratios of 30-36%, with 877 originations. The next most common DTI ratio? 20-30%, with 797 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.36%
Wallick & Volk has an average approval rate.
Pick Rate
Approvals leading to origination79.05%
Wallick & Volk has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 5,499 | $1,229,875,000 | $223,654 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 188 | $31,370,000 | $166,862 |
| Single Family (1-4 Units):Site-Built | 5,311 | $1,198,505,000 | $225,665 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| WELLS FARGO & COMPANY | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 145 | 7.0% |
| WELLS FARGO & COMPANY | Conventional home mortgage | Closing on a mortgage | 54 | 2.6% |
| WELLS FARGO & COMPANY | Conventional home mortgage | Improper use of your report | 1 | 0.0% |
| WELLS FARGO & COMPANY | Conventional home mortgage | Incorrect information on your report | 23 | 1.1% |
| WELLS FARGO & COMPANY | Conventional home mortgage | Problem with a credit reporting company's investigation into an existing problem | 6 | 0.3% |
| WELLS FARGO & COMPANY | Conventional home mortgage | Struggling to pay mortgage | 434 | 21.1% |
| WELLS FARGO & COMPANY | Conventional home mortgage | Trouble during payment process | 580 | 28.2% |
| WELLS FARGO & COMPANY | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 21 | 1.0% |
| WELLS FARGO & COMPANY | FHA mortgage | Closing on a mortgage | 19 | 0.9% |
| WELLS FARGO & COMPANY | FHA mortgage | Credit monitoring or identity theft protection services | 1 | 0.0% |
| WELLS FARGO & COMPANY | FHA mortgage | Improper use of your report | 1 | 0.0% |
| WELLS FARGO & COMPANY | FHA mortgage | Incorrect information on your report | 7 | 0.3% |
| WELLS FARGO & COMPANY | FHA mortgage | Problem with a credit reporting company's investigation into an existing problem | 7 | 0.3% |
| WELLS FARGO & COMPANY | FHA mortgage | Struggling to pay mortgage | 132 | 6.4% |
| WELLS FARGO & COMPANY | FHA mortgage | Trouble during payment process | 93 | 4.5% |
| WELLS FARGO & COMPANY | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 40 | 1.9% |
| WELLS FARGO & COMPANY | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 7 | 0.3% |
| WELLS FARGO & COMPANY | Home equity loan or line of credit (HELOC) | Incorrect information on your report | 5 | 0.2% |
| WELLS FARGO & COMPANY | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 44 | 2.1% |
| WELLS FARGO & COMPANY | Home equity loan or line of credit (HELOC) | Trouble during payment process | 79 | 3.8% |
| WELLS FARGO & COMPANY | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 20 | 1.0% |
| WELLS FARGO & COMPANY | Other type of mortgage | Closing on a mortgage | 10 | 0.5% |
| WELLS FARGO & COMPANY | Other type of mortgage | Improper use of your report | 1 | 0.0% |
| WELLS FARGO & COMPANY | Other type of mortgage | Incorrect information on your report | 5 | 0.2% |
| WELLS FARGO & COMPANY | Other type of mortgage | Problem with a credit reporting company's investigation into an existing problem | 2 | 0.1% |
| WELLS FARGO & COMPANY | Other type of mortgage | Struggling to pay mortgage | 84 | 4.1% |
| WELLS FARGO & COMPANY | Other type of mortgage | Trouble during payment process | 113 | 5.5% |
| WELLS FARGO & COMPANY | Reverse mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 0.1% |
| WELLS FARGO & COMPANY | Reverse mortgage | Closing on a mortgage | 3 | 0.1% |
| WELLS FARGO & COMPANY | Reverse mortgage | Struggling to pay mortgage | 2 | 0.1% |
| WELLS FARGO & COMPANY | Reverse mortgage | Trouble during payment process | 4 | 0.2% |
| WELLS FARGO & COMPANY | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 10 | 0.5% |
| WELLS FARGO & COMPANY | VA mortgage | Closing on a mortgage | 8 | 0.4% |
| WELLS FARGO & COMPANY | VA mortgage | Incorrect information on your report | 4 | 0.2% |
| WELLS FARGO & COMPANY | VA mortgage | Struggling to pay mortgage | 36 | 1.7% |
| WELLS FARGO & COMPANY | VA mortgage | Trouble during payment process | 57 | 2.8% |