Purchase Originations
128
Median Total Costs
$5,965
−10.7% vs national ($6,680)
↓ $1,266 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$482
Median Lender Credits
$49
Denial Rate
6.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 76 | 6.875% | $3,274 | $825 |
| fha | 38 | 6.250% | $8,222 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 46 | 6.438% | $3,583 | — |
| Arizona | 38 | 6.750% | $5,685 | — |
| Wyoming | 14 | 6.875% | $5,965 | — |
| California | 13 | 6.625% | $10,588 | — |
| Washington | 10 | 6.875% | $9,802 | — |
| Idaho | 7 | 6.625% | $10,222 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $221 | 6.875% | — | 1 | −$5,744 | |
| 2 | $975 | 6.500% | — | 7 | −$4,990 | |
| 3 | $3,049 | 6.875% | — | 3 | −$2,916 | |
| 4 | $3,715 | 6.500% | — | 29 | −$2,250 | |
| 5 | $5,429 | 6.625% | — | 17 | −$536 | |
| 6 | $5,547 | 6.875% | — | 9 | −$418 | |
| 7 | $5,933 | 6.688% | — | 2 | −$32 | |
| 8 | $5,969 | 6.875% | — | 5 | +$4 | |
| 9 | $6,128 | 7.250% | — | 6 | +$163 | |
| 10 | $6,129 | 7.250% | — | 3 | +$164 | |
| 11 | $6,265 | 6.250% | — | 9 | +$300 | |
| 12 | $6,999 | 6.125% | — | 4 | +$1,034 | |
| 13 | $7,419 | 6.562% | — | 2 | +$1,454 | |
| 14 | $9,765 | 6.562% | — | 2 | +$3,800 | |
| 15 | $9,996 | 6.812% | — | 2 | +$4,031 | |
| 16 | $10,222 | 6.625% | — | 5 | +$4,257 | |
| 17 | $10,246 | 6.500% | — | 11 | +$4,281 | |
| 18 | $10,588 | 6.750% | — | 1 | +$4,623 | |
| 19 | $11,980 | 6.875% | — | 2 | +$6,015 | |
| 20 | $15,667 | 6.625% | — | 1 | +$9,702 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Wallick & Volk, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $5,965 | $7,127 | −$1,162 (−16.3%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.