Pinnacle Bank - Wyoming Mortgage Lending & HMDA Data, 2025
In 2025, Pinnacle Bank - Wyoming of Cody, WY reported 337 mortgage applications totaling $87.0 million, down 6% from 2024. The average application was for $258,026, and applicants reported an average income of $123,320. 75% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Cheyenne, WY (22), Denver-Aurora-Lakewood, CO (1) and Rapid City, SD (1) (applications in parentheses).
| Mortgage Company & Address | Pinnacle Bank - Wyoming Po Box 760 Cody, WY 82414 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 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 337 |
| Total Mortgage Loan Application Amount | $86,955,000 |
| Average Mortgage Loan Application Amount | $258,026 |
| Highest Mortgage Loan Application Amount | $1,515,000 |
| Average Applicant Income | $123,320 |
| Highest Applicant Income | $1,100,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Pinnacle Bank - Wyoming filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Pinnacle Bank - Wyoming in 2025
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 | 252 | $73,040,000 | $289,000 | $1,515,000 | $117,000 | $1,100,000 |
| Refinancing | 43 | $9,905,000 | $230,000 | $905,000 | $135,000 | $825,000 |
| Home Improvement | 19 | $1,525,000 | $80,000 | $225,000 | $179,000 | $743,000 |
| Other Purpose | 16 | $970,000 | $60,000 | $155,000 | $122,000 | $433,000 |
| Cash-out Refinancing | 7 | $1,515,000 | $216,000 | $405,000 | $131,000 | $290,000 |
| 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 | 273 | $67,765,000 | $248,000 | $1,515,000 | $122,000 | $1,100,000 |
| Not applicable | 28 | $12,620,000 | $450,000 | $1,305,000 | $0 | $0 |
| Not Provided | 17 | $3,365,000 | $197,000 | $555,000 | $136,000 | $433,000 |
| Hispanic | 16 | $2,990,000 | $186,000 | $505,000 | $138,000 | $742,000 |
| Black or African American | 2 | $90,000 | $45,000 | $65,000 | $106,000 | $155,000 |
| American Indian or Alaskan Native | 1 | $125,000 | $125,000 | $125,000 | $60,000 | $60,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $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) | 271 | $70,115,000 | $258,000 | $1,515,000 | $133,000 | $1,100,000 |
| FHA-insured (Federal Housing Administration) | 36 | $9,710,000 | $269,000 | $535,000 | $90,000 | $172,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $3,190,000 | $199,000 | $305,000 | $63,000 | $103,000 |
| VA-guaranteed (Veterans Administration) | 14 | $3,940,000 | $281,000 | $585,000 | $112,000 | $307,000 |
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 | 252 | $64,610,000 | $256,000 | $1,515,000 | $123,000 | $1,100,000 |
| Application Withdrawn By Applicant | 57 | $17,515,000 | $307,000 | $755,000 | $136,000 | $743,000 |
| Application Denied By Financial Institution | 24 | $3,730,000 | $155,000 | $715,000 | $92,000 | $265,000 |
| Application Approved But Not Accepted | 2 | $520,000 | $260,000 | $365,000 | $266,000 | $266,000 |
| File Closed For Incompleteness | 1 | $165,000 | $165,000 | $165,000 | $120,000 | $120,000 |
| Loan Purchased By The Institution | 1 | $415,000 | $415,000 | $415,000 | $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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 337 | $86,955,000 | $258,000 | $1,515,000 | $124,000 | $1,100,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pinnacle Bank - Wyoming's 2025 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 Pinnacle Bank - Wyoming'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.
For a list of all lenders in Wyoming, download the full spreadsheet
with aggregated HMDA statistics today.
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