Wallick and Volk, Inc. Mortgage Lending & HMDA Data, 2020
In 2020, Wallick and Volk, Inc. of Cheyenne, WY reported 11,047 mortgage applications totaling $2.7 billion, up 57% from 2019. The average application was for $246,065, and applicants reported an average income of $94,451. 80% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (2,021), Flagstaff, AZ (900) and Prescott Valley-Prescott, AZ (845) (applications in parentheses).
| Mortgage Company & Address | Wallick and Volk, Inc. 222 E. 18th St. Cheyenne, WY 82001 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 11,047 |
| Total Mortgage Loan Application Amount | $2,718,285,000 |
| Average Mortgage Loan Application Amount | $246,065 |
| Highest Mortgage Loan Application Amount | $1,925,000 |
| Average Applicant Income | $94,451 |
| Highest Applicant Income | $1,682,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Wallick and Volk, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Phoenix-Mesa-Scottsdale, AZ | 2,021 | $ 515,435,000 | $ 255,039 | $ 94,000 |
| Flagstaff, AZ | 900 | $ 268,000,000 | $ 297,777 | $ 110,000 |
| Prescott Valley-Prescott, AZ | 845 | $ 211,035,000 | $ 249,745 | $ 89,000 |
| Outside any metro area | 782 | $ 154,320,000 | $ 197,340 | $ 93,548 |
| Casper, WY | 710 | $ 114,380,000 | $ 161,098 | $ 70,000 |
| Cheyenne, WY | 681 | $ 153,725,000 | $ 225,734 | $ 87,000 |
| San Antonio-New Braunfels, TX | 631 | $ 132,125,000 | $ 209,389 | $ 71,000 |
| Waco, TX | 593 | $ 121,525,000 | $ 204,932 | $ 94,000 |
| Seattle-Bellevue-Everett, WA | 535 | $ 199,905,000 | $ 373,654 | $ 133,000 |
| Dallas-Plano-Irving, TX | 510 | $ 127,840,000 | $ 250,666 | $ 93,000 |
| Albuquerque, NM | 412 | $ 69,450,000 | $ 168,567 | $ 78,000 |
| San Diego-Carlsbad, CA | 387 | $ 153,865,000 | $ 397,583 | $ 118,000 |
| Victoria, TX | 303 | $ 63,635,000 | $ 210,016 | $ 95,000 |
| Tacoma-Lakewood, WA | 297 | $ 86,655,000 | $ 291,767 | $ 107,000 |
| El Centro, CA | 258 | $ 54,810,000 | $ 212,441 | $ 96,000 |
| Fort Worth-Arlington, TX | 252 | $ 59,270,000 | $ 235,198 | $ 89,000 |
| College Station-Bryan, TX | 227 | $ 46,535,000 | $ 205,000 | $ 89,000 |
| Riverside-San Bernardino-Ontario, CA | 126 | $ 31,360,000 | $ 248,888 | $ 87,000 |
| Coeur D'Alene, ID | 114 | $ 30,430,000 | $ 266,929 | $ 96,000 |
| Houston-The Woodlands-Sugar Land, TX | 77 | $ 18,395,000 | $ 238,896 | $ 125,000 |
| Spokane-Spokane Valley, WA | 59 | $ 16,535,000 | $ 280,254 | $ 109,000 |
| Killeen-Temple, TX | 32 | $ 6,450,000 | $ 201,562 | $ 89,000 |
| Los Angeles-Long Beach-Glendale, CA | 32 | $ 14,510,000 | $ 453,437 | $ 150,000 |
| Austin-Round Rock, TX | 24 | $ 6,370,000 | $ 265,416 | $ 91,000 |
| Lake Havasu City-Kingman, AZ | 20 | $ 3,590,000 | $ 179,500 | $ 74,000 |
| Tucson, AZ | 20 | $ 4,770,000 | $ 238,500 | $ 93,000 |
| Olympia-Tumwater, WA | 17 | $ 3,915,000 | $ 230,294 | $ 112,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 14 | $ 4,700,000 | $ 335,714 | $ 137,500 |
| Santa Fe, NM | 14 | $ 2,740,000 | $ 195,714 | $ 91,000 |
| Bremerton-Silverdale, WA | 13 | $ 4,335,000 | $ 333,461 | $ 124,000 |
| Corpus Christi, TX | 13 | $ 2,645,000 | $ 203,461 | $ 109,000 |
| Tyler, TX | 12 | $ 2,030,000 | $ 169,166 | $ 51,000 |
| Anaheim-Santa Ana-Irvine, CA | 11 | $ 5,705,000 | $ 518,636 | $ 149,000 |
| McAllen-Edinburg-Mission, TX | 8 | $ 1,240,000 | $ 155,000 | $ 50,000 |
| Denver-Aurora-Lakewood, CO | 7 | $ 1,815,000 | $ 259,285 | $ 175,000 |
| Longview, TX | 7 | $ 1,585,000 | $ 226,428 | $ 108,000 |
| Mount Vernon-Anacortes, WA | 6 | $ 1,860,000 | $ 310,000 | $ 109,000 |
| Yuma, AZ | 6 | $ 1,150,000 | $ 191,666 | $ 45,000 |
| Bellingham, WA | 5 | $ 1,555,000 | $ 311,000 | $ 119,000 |
| Colorado Springs, CO | 5 | $ 1,795,000 | $ 359,000 | $ 84,000 |
| Fort Collins, CO | 5 | $ 1,765,000 | $ 353,000 | $ 149,000 |
| Lewiston, ID-WA | 5 | $ 1,345,000 | $ 269,000 | $ 92,800 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 2,220,000 | $ 555,000 | $ 185,000 |
| Sherman-Denison, TX | 4 | $ 930,000 | $ 232,500 | $ 70,000 |
| Bakersfield, CA | 3 | $ 215,000 | $ 71,666 | $ 42,000 |
| Oakland-Hayward-Berkeley, CA | 3 | $ 1,075,000 | $ 358,333 | $ 118,000 |
| Wenatchee, WA | 3 | $ 905,000 | $ 301,666 | $ 127,000 |
| Beaumont-Port Arthur, TX | 2 | $ 570,000 | $ 285,000 | $ 97,000 |
| Brownsville-Harlingen, TX | 2 | $ 340,000 | $ 170,000 | $ 55,000 |
| El Paso, TX | 2 | $ 260,000 | $ 130,000 | $ 127,000 |
| Fresno, CA | 2 | $ 290,000 | $ 145,000 | $ 145,000 |
| Kennewick-Richland, WA | 2 | $ 430,000 | $ 215,000 | $ 112,000 |
| Laredo, TX | 2 | $ 320,000 | $ 160,000 | $ 46,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 650,000 | $ 325,000 | $ 135,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 800,000 | $ 400,000 | $ 137,000 |
| Sierra Vista-Douglas, AZ | 2 | $ 300,000 | $ 150,000 | $ 52,000 |
| Yakima, WA | 2 | $ 250,000 | $ 125,000 | $ 80,000 |
| Yuba City, CA | 2 | $ 790,000 | $ 395,000 | $ 86,000 |
| Boulder, CO | 1 | $ 105,000 | $ 105,000 | $ 53,000 |
| Grand Junction, CO | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Greeley, CO | 1 | $ 255,000 | $ 255,000 | $ 111,000 |
| Las Cruces, NM | 1 | $ 235,000 | $ 235,000 | $ 51,000 |
| Longview, WA | 1 | $ 305,000 | $ 305,000 | $ 70,000 |
| Lubbock, TX | 1 | $ 255,000 | $ 255,000 | $ 45,000 |
| Midland, TX | 1 | $ 455,000 | $ 455,000 | $ 376,000 |
| Odessa, TX | 1 | $ 355,000 | $ 355,000 | $ 141,000 |
| Salem, OR | 1 | $ 105,000 | $ 105,000 | $ 41,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 335,000 | $ 335,000 | $ 240,000 |
| Stockton-Lodi, CA | 1 | $ 225,000 | $ 225,000 | $ 159,000 |
| Wichita Falls, TX | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Wallick and Volk, Inc. in 2020
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 6,375 | $1,479,465,000 | $232,000 | $1,925,000 | $86,000 | $1,682,000 |
| Refinancing | 3,280 | $874,950,000 | $266,000 | $1,205,000 | $109,000 | $1,401,000 |
| Cash-out Refinancing | 1,298 | $342,790,000 | $264,000 | $1,365,000 | $97,000 | $1,185,000 |
| Other Purpose | 93 | $20,665,000 | $222,000 | $1,195,000 | $124,000 | $754,000 |
| Home Improvement | 1 | $415,000 | $415,000 | $415,000 | $201,000 | $201,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 6,855 | $1,695,685,000 | $247,000 | $1,925,000 | $99,000 | $1,401,000 |
| Hispanic | 2,149 | $498,785,000 | $232,000 | $1,085,000 | $80,000 | $1,682,000 |
| Not Provided | 882 | $232,060,000 | $263,000 | $955,000 | $105,000 | $903,000 |
| Black or African American | 775 | $182,315,000 | $235,000 | $1,365,000 | $81,000 | $1,066,000 |
| Asian | 222 | $68,280,000 | $307,000 | $1,505,000 | $103,000 | $492,000 |
| American Indian or Alaskan Native | 103 | $22,295,000 | $216,000 | $595,000 | $79,000 | $250,000 |
| Native Hawaiian or Other Pacific Islander | 17 | $4,245,000 | $249,000 | $665,000 | $82,000 | $144,000 |
| Not applicable | 4 | $1,290,000 | $322,000 | $505,000 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 7,623 | $1,867,885,000 | $245,000 | $1,925,000 | $104,000 | $1,682,000 |
| FHA-insured (Federal Housing Administration) | 2,532 | $587,290,000 | $231,000 | $715,000 | $68,000 | $527,000 |
| VA-guaranteed (Veterans Administration) | 774 | $237,210,000 | $306,000 | $1,035,000 | $87,000 | $903,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 118 | $25,900,000 | $219,000 | $535,000 | $62,000 | $150,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 8,827 | $2,176,205,000 | $246,000 | $1,925,000 | $95,000 | $1,682,000 |
| Application Withdrawn By Applicant | 1,566 | $389,680,000 | $248,000 | $1,365,000 | $100,000 | $1,401,000 |
| Application Denied By Financial Institution | 621 | $143,195,000 | $230,000 | $1,885,000 | $79,000 | $1,185,000 |
| Application Approved But Not Accepted | 19 | $4,625,000 | $243,000 | $515,000 | $87,000 | $161,000 |
| File Closed For Incompleteness | 10 | $3,290,000 | $329,000 | $565,000 | $105,000 | $255,000 |
| Loan Purchased By The Institution | 4 | $1,290,000 | $322,000 | $505,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 10,426 | $2,575,090,000 | $246,000 | $1,925,000 | $95,000 | $1,682,000 |
| Debt-To-Income Ratio | 217 | $45,135,000 | $207,000 | $665,000 | $46,000 | $149,000 |
| Collateral | 143 | $33,275,000 | $232,000 | $1,205,000 | $108,000 | $1,185,000 |
| Credit Application Incomplete | 100 | $27,080,000 | $270,000 | $1,885,000 | $130,000 | $1,129,000 |
| Credit History | 99 | $20,845,000 | $210,000 | $585,000 | $71,000 | $269,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 23 | $6,695,000 | $291,000 | $595,000 | $82,000 | $292,000 |
| Unverifiable Information | 21 | $6,625,000 | $315,000 | $1,685,000 | $35,000 | $139,000 |
| Employment History | 10 | $2,530,000 | $253,000 | $445,000 | $36,000 | $114,000 |
| Other | 8 | $1,010,000 | $126,000 | $365,000 | $89,000 | $268,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wallick and Volk, Inc.'s 2020 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Wallick and Volk, Inc.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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