Pinnacle Bank - Wyoming Mortgage Lending & HMDA Data, 2006
In 2006, Pinnacle Bank - Wyoming of Cody, WY reported 484 mortgage applications totaling $49.2 million, down 9% from 2005. The average application was for $101,561, and applicants reported an average income of $55,053. 84% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Cheyenne, WY (31), Billings, MT (7) and Casper, WY (2) (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 | 484 |
| Total Mortgage Loan Application Amount | $49,156,000 |
| Average Mortgage Loan Application Amount | $101,561 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $55,053 |
| Highest Applicant Income | $1,565,000 |
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(HMDA) records Pinnacle Bank - Wyoming filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 112 | $ 9,343,000 | $ 83,419 | $ 57,000 |
| Park, Wyoming | 65 | $ 11,874,000 | $ 182,676 | $ 55,000 |
| Weston, Wyoming | 54 | $ 4,269,000 | $ 79,055 | $ 53,000 |
| Hot Springs, Wyoming | 46 | $ 2,897,000 | $ 62,978 | $ 46,000 |
| Washakie, Wyoming | 45 | $ 4,342,000 | $ 96,488 | $ 74,000 |
| Scotts Bluff, Nebraska | 34 | $ 1,559,000 | $ 45,852 | $ 34,000 |
| Laramie, Wyoming | 31 | $ 3,401,000 | $ 109,709 | $ 38,000 |
| Campbell, Wyoming | 26 | $ 4,365,000 | $ 167,884 | $ 33,000 |
| Crook, Wyoming | 26 | $ 2,114,000 | $ 81,307 | $ 45,000 |
| Albany, Wyoming | 12 | $ 1,854,000 | $ 154,500 | $ 80,000 |
| Carbon, Montana | 4 | $ 761,000 | $ 190,250 | $ 404,000 |
| Sioux, Nebraska | 4 | $ 114,000 | $ 28,500 | $ 48,000 |
| Fremont, Wyoming | 4 | $ 479,000 | $ 119,750 | $ 96,000 |
| Niobrara, Wyoming | 4 | $ 126,000 | $ 31,500 | $ 15,000 |
| Yellowstone, Montana | 3 | $ 263,000 | $ 87,666 | $ 0 |
| Lawrence, South Dakota | 3 | $ 274,000 | $ 91,333 | $ 10,000 |
| Big Horn, Wyoming | 2 | $ 84,000 | $ 42,000 | $ 16,000 |
| Natrona, Wyoming | 2 | $ 275,000 | $ 137,500 | $ 66,000 |
| Platte, Wyoming | 2 | $ 46,000 | $ 23,000 | $ 33,000 |
| Eagle, Colorado | 1 | $ 245,000 | $ 245,000 | $ 365,000 |
| Larimer, Colorado | 1 | $ 300,000 | $ 300,000 | $ 72,000 |
| Butte, South Dakota | 1 | $ 36,000 | $ 36,000 | $ 79,000 |
| Sheridan, Wyoming | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Sublette, Wyoming | 1 | $ 60,000 | $ 60,000 | $ 37,000 |
Mortgage Loan Application Detail Totals for Pinnacle Bank - Wyoming in 2006
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 | 262 | $27,809,000 | $106,000 | $1,107,000 | $47,000 | $433,000 |
| Refinancing | 134 | $17,453,000 | $130,000 | $2,500,000 | $82,000 | $1,565,000 |
| Home Improvement | 88 | $3,894,000 | $44,000 | $897,000 | $38,000 | $181,000 |
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 | 413 | $39,002,000 | $94,000 | $1,580,000 | $58,000 | $1,565,000 |
| Not applicable | 40 | $8,545,000 | $213,000 | $2,500,000 | $34,000 | $783,000 |
| Hispanic | 23 | $952,000 | $41,000 | $141,000 | $39,000 | $96,000 |
| American Indian or Alaskan Native | 4 | $229,000 | $57,000 | $140,000 | $40,000 | $64,000 |
| Not Provided | 2 | $139,000 | $69,000 | $71,000 | $16,000 | $19,000 |
| Asian | 1 | $35,000 | $35,000 | $35,000 | $32,000 | $32,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $254,000 | $254,000 | $254,000 | $111,000 | $111,000 |
| Black or African American | 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) | 484 | $49,156,000 | $101,000 | $2,500,000 | $55,000 | $1,565,000 |
| 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 | 408 | $42,261,000 | $103,000 | $2,500,000 | $56,000 | $1,565,000 |
| Application Denied By Financial Institution | 54 | $4,471,000 | $82,000 | $248,000 | $49,000 | $200,000 |
| Application Approved But Not Accepted | 13 | $1,501,000 | $115,000 | $333,000 | $53,000 | $79,000 |
| Application Withdrawn By Applicant | 6 | $611,000 | $101,000 | $235,000 | $53,000 | $108,000 |
| File Closed For Incompleteness | 3 | $312,000 | $104,000 | $150,000 | $79,000 | $151,000 |
| 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 2006 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About