Compare Mortgage Lenders
Select two lenders to compare side by side using 2023 HMDA federal data: approval rates, denial rates, loan sizes, loan types, and geographic reach.
Key Metrics
| Metric | WALLICK AND VOLK, | Blue Federal Credit |
|---|---|---|
| Total Applications | 1,715 ▲ | 1,051 |
| Loans Originated | 1,322 | 514 |
| Approval Rate (higher is better) | 77.1% ✓ | 48.9% |
| Denial Rate (lower is better) | 5.7% ✓ | 23.8% |
| Avg Loan Amount | $280,563 | $177,892 |
| Avg Interest Rate (lower is better) | 6.080% ✓ | 7.595% |
| Avg Applicant Income | $39,000 | $37,000 |
| Applications Denied | 98 | 250 |
| Applications Withdrawn | 286 | 159 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | WALLICK AND VOLK, | Blue Federal Credit |
|---|---|---|
| Conventional | 917 (53.5%) | 1,051 (100.0%) |
| FHA | 621 (36.2%) | — |
| VA | 159 (9.3%) | — |
| USDA | 18 (1.0%) | — |
Loan Purpose Breakdown
| Purpose | WALLICK AND VOLK, | Blue Federal Credit |
|---|---|---|
| Home Purchase | 1,545 | 114 |
| Cash-out Refinancing | 101 | 92 |
| Refinancing | 59 | 72 |
| Home Improvement | 10 | 383 |
| Other | — | 390 |
Top States by Loan Volume
Summary
- 1,715 total applications · 1,322 originated
- Approval rate: 77.1%
- Denial rate: 5.7%
- Avg loan: $280,563
- Avg rate: 6.080%
- HQ: CHEYENNE, WY
- 1,051 total applications · 514 originated
- Approval rate: 48.9%
- Denial rate: 23.8%
- Avg loan: $177,892
- Avg rate: 7.595%
- HQ: Cheyenne, WY
Methodology
Comparisons are drawn from the CFPB 2024 HMDA Snapshot National Loan-Level Dataset, published by the Consumer Financial Protection Bureau and distributed via the FFIEC. Every figure on this page comes from lenders' mandatory HMDA filings — not voluntary marketing claims.
Approval (origination) rate = originated ÷ total applications. Denial rate = denied ÷ total applications. Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes. Denial rates reflect a lender's applicant mix as much as its underwriting stance; compare alongside loan-type mix and geography before drawing conclusions.
Side-by-side comparisons are informational only and do not constitute financial, legal, or mortgage advice. Always obtain and compare written Loan Estimates before applying.