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, | TDECU |
|---|---|---|
| Total Applications | 1,715 ▲ | 1,606 |
| Loans Originated | 1,322 | 1,067 |
| Approval Rate (higher is better) | 77.1% ✓ | 66.4% |
| Denial Rate (lower is better) | 5.7% ✓ | 13.6% |
| Avg Loan Amount | $280,563 | $220,125 |
| Avg Interest Rate (lower is better) | 6.080% ✓ | 7.375% |
| Avg Applicant Income | $39,000 | $36,000 |
| Applications Denied | 98 | 218 |
| Applications Withdrawn | 286 | 265 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | WALLICK AND VOLK, | TDECU |
|---|---|---|
| Conventional | 917 (53.5%) | 1,554 (96.8%) |
| FHA | 621 (36.2%) | 45 (2.8%) |
| VA | 159 (9.3%) | 7 (0.4%) |
| USDA | 18 (1.0%) | — |
Loan Purpose Breakdown
| Purpose | WALLICK AND VOLK, | TDECU |
|---|---|---|
| Home Purchase | 1,545 | 846 |
| Cash-out Refinancing | 101 | 231 |
| Refinancing | 59 | 60 |
| Home Improvement | 10 | 9 |
| Other | — | 460 |
Top States by Loan Volume
| State | Originated | Rank |
|---|---|---|
| Wyoming | 361 | #8 |
No state data available.
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
- 1,606 total applications · 1,067 originated
- Approval rate: 66.4%
- Denial rate: 13.6%
- Avg loan: $220,125
- Avg rate: 7.375%
- HQ: Sugar Land, TX
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 Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes.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.