Pinnacle Bank - Wyoming Mortgage Lending & HMDA Data, 2005
In 2005, Pinnacle Bank - Wyoming of Cody, WY reported 531 mortgage applications totaling $50.3 million, up 12% from 2004. The average application was for $94,806, and applicants reported an average income of $56,683. 87% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Cheyenne, WY (30), Casper, WY (4) and Billings, MT (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 | 531 |
| Total Mortgage Loan Application Amount | $50,342,000 |
| Average Mortgage Loan Application Amount | $94,806 |
| Highest Mortgage Loan Application Amount | $1,694,000 |
| Average Applicant Income | $56,683 |
| Highest Applicant Income | $795,000 |
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(HMDA) records Pinnacle Bank - Wyoming filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Goshen, Wyoming | 107 | $ 10,176,000 | $ 95,102 | $ 46,000 |
| Park, Wyoming | 83 | $ 11,529,000 | $ 138,903 | $ 37,000 |
| Weston, Wyoming | 69 | $ 5,192,000 | $ 75,246 | $ 52,000 |
| Washakie, Wyoming | 62 | $ 4,538,000 | $ 73,193 | $ 48,000 |
| Hot Springs, Wyoming | 58 | $ 4,215,000 | $ 72,672 | $ 41,000 |
| Scotts Bluff, Nebraska | 50 | $ 2,513,000 | $ 50,260 | $ 40,000 |
| Laramie, Wyoming | 30 | $ 4,932,000 | $ 164,400 | $ 98,000 |
| Campbell, Wyoming | 24 | $ 2,005,000 | $ 83,541 | $ 79,000 |
| Crook, Wyoming | 21 | $ 1,342,000 | $ 63,904 | $ 61,000 |
| Big Horn, Wyoming | 4 | $ 325,000 | $ 81,250 | $ 74,000 |
| Natrona, Wyoming | 4 | $ 420,000 | $ 105,000 | $ 15,000 |
| Albany, Wyoming | 3 | $ 200,000 | $ 66,666 | $ 57,000 |
| Sioux, Nebraska | 2 | $ 831,000 | $ 415,500 | $ 34,000 |
| Fall River, South Dakota | 2 | $ 92,000 | $ 46,000 | $ 60,000 |
| Johnson, Wyoming | 2 | $ 164,000 | $ 82,000 | $ 80,000 |
| Sublette, Wyoming | 2 | $ 443,000 | $ 221,500 | $ 114,000 |
| Summit, Colorado | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Thomas, Kansas | 1 | $ 38,000 | $ 38,000 | $ 0 |
| Carbon, Montana | 1 | $ 80,000 | $ 80,000 | $ 167,000 |
| Morrill, Nebraska | 1 | $ 20,000 | $ 20,000 | $ 29,000 |
| Lawrence, South Dakota | 1 | $ 1,007,000 | $ 1,007,000 | $ 0 |
| Pennington, South Dakota | 1 | $ 13,000 | $ 13,000 | $ 58,000 |
| Summit, Utah | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Sheridan, Wyoming | 1 | $ 196,000 | $ 196,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for Pinnacle Bank - Wyoming in 2005
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 | 250 | $23,276,000 | $214,666 | $1,007,000 | $39,000 | $406,000 |
| Refinancing | 199 | $24,138,000 | $68,800 | $1,694,000 | $25,800 | $795,000 |
| Home Improvement | 82 | $2,928,000 | $46,000 | $372,000 | $71,500 | $390,000 |
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 | 470 | $40,822,000 | $55,428 | $1,394,000 | $45,000 | $613,000 |
| Not applicable | 35 | $8,246,000 | $433,333 | $1,694,000 | $28,333 | $795,000 |
| Hispanic | 19 | $710,000 | $33,500 | $182,000 | $53,500 | $182,000 |
| Not Provided | 5 | $483,000 | $96,000 | $160,000 | $76,000 | $229,000 |
| Black or African American | 1 | $26,000 | $26,000 | $26,000 | $90,000 | $90,000 |
| American Indian or Alaskan Native | 1 | $55,000 | $55,000 | $55,000 | $49,000 | $49,000 |
| 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) | 531 | $50,342,000 | $89,571 | $1,694,000 | $43,142 | $795,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 463 | $45,652,000 | $90,857 | $1,694,000 | $44,142 | $795,000 |
| Application Denied By Financial Institution | 48 | $2,532,000 | $44,000 | $250,000 | $36,000 | $110,000 |
| Application Withdrawn By Applicant | 10 | $979,000 | $97,000 | $170,000 | $47,000 | $113,000 |
| Application Approved But Not Accepted | 6 | $613,000 | $75,000 | $165,000 | $53,000 | $65,000 |
| File Closed For Incompleteness | 4 | $566,000 | $141,000 | $235,000 | $46,000 | $84,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pinnacle Bank - Wyoming's 2005 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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