Wallick and Volk, Inc. Mortgage Lending & HMDA Data, 2021
In 2021, Wallick and Volk, Inc. of Cheyenne, WY reported 8,570 mortgage applications totaling $2.3 billion, down 22% from 2020. The average application was for $268,441, and applicants reported an average income of $96,185. 77% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (1,387), Prescott Valley-Prescott, AZ (617) and Flagstaff, AZ (591) (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 | 8,570 |
| Total Mortgage Loan Application Amount | $2,300,540,000 |
| Average Mortgage Loan Application Amount | $268,441 |
| Highest Mortgage Loan Application Amount | $2,165,000 |
| Average Applicant Income | $96,185 |
| Highest Applicant Income | $2,201,000 |
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(HMDA) records Wallick and Volk, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,387 | $ 398,635,000 | $ 287,408 | $ 93,000 |
| Outside any metro area | 753 | $ 171,665,000 | $ 227,974 | $ 95,015 |
| Prescott Valley-Prescott, AZ | 617 | $ 165,285,000 | $ 267,884 | $ 92,000 |
| Flagstaff, AZ | 591 | $ 199,465,000 | $ 337,504 | $ 114,000 |
| Casper, WY | 563 | $ 93,365,000 | $ 165,834 | $ 70,000 |
| Cheyenne, WY | 553 | $ 130,565,000 | $ 236,103 | $ 84,000 |
| San Antonio-New Braunfels, TX | 512 | $ 121,560,000 | $ 237,421 | $ 80,000 |
| Waco, TX | 497 | $ 109,395,000 | $ 220,110 | $ 96,000 |
| Dallas-Plano-Irving, TX | 386 | $ 105,790,000 | $ 274,067 | $ 91,000 |
| Seattle-Bellevue-Everett, WA | 361 | $ 145,315,000 | $ 402,534 | $ 130,000 |
| Albuquerque, NM | 312 | $ 57,650,000 | $ 184,775 | $ 74,000 |
| Tacoma-Lakewood, WA | 267 | $ 87,665,000 | $ 328,333 | $ 110,000 |
| San Diego-Carlsbad, CA | 257 | $ 111,185,000 | $ 432,626 | $ 120,000 |
| Victoria, TX | 242 | $ 55,430,000 | $ 229,049 | $ 92,000 |
| College Station-Bryan, TX | 240 | $ 52,510,000 | $ 218,791 | $ 93,000 |
| El Centro, CA | 194 | $ 48,780,000 | $ 251,443 | $ 104,000 |
| Fort Worth-Arlington, TX | 153 | $ 40,695,000 | $ 265,980 | $ 94,000 |
| Coeur D'Alene, ID | 125 | $ 42,475,000 | $ 339,800 | $ 114,000 |
| Riverside-San Bernardino-Ontario, CA | 105 | $ 28,385,000 | $ 270,333 | $ 108,000 |
| Houston-The Woodlands-Sugar Land, TX | 72 | $ 19,030,000 | $ 264,305 | $ 107,000 |
| Spokane-Spokane Valley, WA | 55 | $ 14,985,000 | $ 272,454 | $ 91,000 |
| Olympia-Tumwater, WA | 30 | $ 9,490,000 | $ 316,333 | $ 121,000 |
| Killeen-Temple, TX | 29 | $ 5,755,000 | $ 198,448 | $ 93,000 |
| Tucson, AZ | 29 | $ 7,515,000 | $ 259,137 | $ 120,000 |
| Lake Havasu City-Kingman, AZ | 26 | $ 5,940,000 | $ 228,461 | $ 112,000 |
| Bremerton-Silverdale, WA | 20 | $ 6,920,000 | $ 346,000 | $ 109,000 |
| Austin-Round Rock, TX | 19 | $ 6,875,000 | $ 361,842 | $ 129,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 12 | $ 5,250,000 | $ 437,500 | $ 108,500 |
| Santa Fe, NM | 11 | $ 2,155,000 | $ 195,909 | $ 122,000 |
| Los Angeles-Long Beach-Glendale, CA | 10 | $ 6,250,000 | $ 625,000 | $ 149,000 |
| Mount Vernon-Anacortes, WA | 8 | $ 2,320,000 | $ 290,000 | $ 72,000 |
| Bellingham, WA | 6 | $ 2,470,000 | $ 411,666 | $ 180,000 |
| Greeley, CO | 6 | $ 2,200,000 | $ 366,666 | $ 125,000 |
| Laredo, TX | 6 | $ 920,000 | $ 153,333 | $ 62,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 6 | $ 4,690,000 | $ 781,666 | $ 168,000 |
| Corpus Christi, TX | 5 | $ 1,205,000 | $ 241,000 | $ 111,000 |
| Denver-Aurora-Lakewood, CO | 5 | $ 1,775,000 | $ 355,000 | $ 102,000 |
| Lewiston, ID-WA | 5 | $ 1,175,000 | $ 235,000 | $ 72,600 |
| El Paso, TX | 4 | $ 790,000 | $ 197,500 | $ 102,000 |
| Farmington, NM | 4 | $ 440,000 | $ 110,000 | $ 61,000 |
| Fort Collins, CO | 4 | $ 1,240,000 | $ 310,000 | $ 76,000 |
| McAllen-Edinburg-Mission, TX | 4 | $ 770,000 | $ 192,500 | $ 66,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 2,120,000 | $ 530,000 | $ 109,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 4 | $ 1,810,000 | $ 452,500 | $ 140,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 4 | $ 2,930,000 | $ 732,500 | $ 134,000 |
| Wenatchee, WA | 4 | $ 1,850,000 | $ 462,500 | $ 251,000 |
| Wichita Falls, TX | 4 | $ 640,000 | $ 160,000 | $ 86,000 |
| Yuma, AZ | 4 | $ 1,140,000 | $ 285,000 | $ 143,000 |
| Anaheim-Santa Ana-Irvine, CA | 3 | $ 1,045,000 | $ 348,333 | $ 115,000 |
| Boise City, ID | 3 | $ 1,005,000 | $ 335,000 | $ 415,000 |
| Brownsville-Harlingen, TX | 3 | $ 435,000 | $ 145,000 | $ 109,000 |
| Grand Junction, CO | 3 | $ 755,000 | $ 251,666 | $ 128,000 |
| Las Cruces, NM | 3 | $ 665,000 | $ 221,666 | $ 93,000 |
| Sherman-Denison, TX | 3 | $ 805,000 | $ 268,333 | $ 135,000 |
| Tyler, TX | 3 | $ 475,000 | $ 158,333 | $ 33,000 |
| Amarillo, TX | 2 | $ 480,000 | $ 240,000 | $ 79,000 |
| Kennewick-Richland, WA | 2 | $ 660,000 | $ 330,000 | $ 97,000 |
| Longview, TX | 2 | $ 290,000 | $ 145,000 | $ 57,000 |
| Madera, CA | 2 | $ 740,000 | $ 370,000 | $ 80,000 |
| Modesto, CA | 2 | $ 510,000 | $ 255,000 | $ 80,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 980,000 | $ 490,000 | $ 222,000 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 440,000 | $ 220,000 | $ 128,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 850,000 | $ 425,000 | $ 149,000 |
| Sierra Vista-Douglas, AZ | 2 | $ 410,000 | $ 205,000 | $ 106,000 |
| Abilene, TX | 1 | $ 305,000 | $ 305,000 | $ 74,000 |
| Bend-Redmond, OR | 1 | $ 725,000 | $ 725,000 | $ 262,000 |
| Colorado Springs, CO | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Lubbock, TX | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| Medford, OR | 1 | $ 495,000 | $ 495,000 | $ 99,000 |
| Midland, TX | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| Napa, CA | 1 | $ 225,000 | $ 225,000 | $ 61,000 |
| Odessa, TX | 1 | $ 295,000 | $ 295,000 | $ 125,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 55,000 | $ 55,000 | $ 82,000 |
| San Angelo, TX | 1 | $ 165,000 | $ 165,000 | $ 38,000 |
| Twin Falls, ID | 1 | $ 235,000 | $ 235,000 | $ 130,000 |
| Yakima, WA | 1 | $ 425,000 | $ 425,000 | $ 123,000 |
Mortgage Loan Application Detail Totals for Wallick and Volk, Inc. in 2021
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 | 5,449 | $1,445,005,000 | $265,000 | $2,165,000 | $94,000 | $2,201,000 |
| Refinancing | 1,784 | $477,020,000 | $267,000 | $1,615,000 | $103,000 | $1,438,000 |
| Cash-out Refinancing | 1,238 | $356,180,000 | $287,000 | $1,445,000 | $94,000 | $1,067,000 |
| Other Purpose | 99 | $22,335,000 | $225,000 | $545,000 | $121,000 | $746,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 5,030 | $1,341,540,000 | $266,000 | $2,165,000 | $100,000 | $2,201,000 |
| Hispanic | 1,814 | $460,690,000 | $253,000 | $1,335,000 | $80,000 | $1,650,000 |
| Not Provided | 755 | $217,015,000 | $287,000 | $1,045,000 | $105,000 | $884,000 |
| Black or African American | 615 | $164,065,000 | $266,000 | $1,335,000 | $87,000 | $1,261,000 |
| Asian | 193 | $65,975,000 | $341,000 | $1,825,000 | $120,000 | $870,000 |
| American Indian or Alaskan Native | 83 | $20,205,000 | $243,000 | $865,000 | $90,000 | $310,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $4,610,000 | $288,000 | $515,000 | $117,000 | $253,000 |
| Not applicable | 5 | $1,715,000 | $343,000 | $535,000 | $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) | 6,022 | $1,605,980,000 | $266,000 | $2,165,000 | $105,000 | $2,201,000 |
| FHA-insured (Federal Housing Administration) | 1,931 | $493,305,000 | $255,000 | $795,000 | $71,000 | $386,000 |
| VA-guaranteed (Veterans Administration) | 528 | $180,610,000 | $342,000 | $1,075,000 | $90,000 | $329,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 89 | $20,645,000 | $231,000 | $535,000 | $63,000 | $110,000 |
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 | 6,637 | $1,772,345,000 | $267,000 | $1,615,000 | $96,000 | $2,201,000 |
| Application Withdrawn By Applicant | 1,335 | $374,195,000 | $280,000 | $2,165,000 | $102,000 | $1,438,000 |
| Application Denied By Financial Institution | 556 | $143,370,000 | $257,000 | $1,045,000 | $78,000 | $1,404,000 |
| Application Approved But Not Accepted | 31 | $7,505,000 | $242,000 | $545,000 | $96,000 | $246,000 |
| File Closed For Incompleteness | 6 | $1,410,000 | $235,000 | $455,000 | $89,000 | $174,000 |
| Loan Purchased By The Institution | 5 | $1,715,000 | $343,000 | $535,000 | $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 | 8,014 | $2,157,170,000 | $269,000 | $2,165,000 | $97,000 | $2,201,000 |
| Debt-To-Income Ratio | 179 | $46,495,000 | $259,000 | $785,000 | $55,000 | $200,000 |
| Credit Application Incomplete | 100 | $27,070,000 | $270,000 | $685,000 | $100,000 | $336,000 |
| Collateral | 99 | $21,635,000 | $218,000 | $955,000 | $93,000 | $1,404,000 |
| Credit History | 89 | $22,025,000 | $247,000 | $565,000 | $82,000 | $730,000 |
| Unverifiable Information | 28 | $7,050,000 | $251,000 | $515,000 | $44,000 | $300,000 |
| Employment History | 27 | $7,675,000 | $284,000 | $1,045,000 | $12,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 20 | $6,980,000 | $349,000 | $695,000 | $184,000 | $1,261,000 |
| Other | 14 | $4,440,000 | $317,000 | $645,000 | $110,000 | $360,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wallick and Volk, Inc.'s 2021 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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