Pinnacle Bank - Wyoming Mortgage Lending & HMDA Data, 2009
In 2009, Pinnacle Bank - Wyoming of Cody, WY reported 632 mortgage applications totaling $87.5 million, up 43% from 2008. The average application was for $138,473, and applicants reported an average income of $67,780. 85% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Cheyenne, WY (30), Billings, MT (3) and Boulder, CO (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 | 632 |
| Total Mortgage Loan Application Amount | $87,515,000 |
| Average Mortgage Loan Application Amount | $138,473 |
| Highest Mortgage Loan Application Amount | $1,183,000 |
| Average Applicant Income | $67,780 |
| Highest Applicant Income | $1,092,000 |
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(HMDA) records Pinnacle Bank - Wyoming filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Park, Wyoming | 251 | $ 45,723,000 | $ 182,163 | $ 79,000 |
| Goshen, Wyoming | 84 | $ 11,531,000 | $ 137,273 | $ 61,000 |
| Hot Springs, Wyoming | 54 | $ 4,492,000 | $ 83,185 | $ 73,000 |
| Washakie, Wyoming | 48 | $ 4,417,000 | $ 92,020 | $ 54,000 |
| Campbell, Wyoming | 39 | $ 5,638,000 | $ 144,564 | $ 48,000 |
| Crook, Wyoming | 33 | $ 2,359,000 | $ 71,484 | $ 75,000 |
| Laramie, Wyoming | 30 | $ 3,986,000 | $ 132,866 | $ 34,000 |
| Scotts Bluff, Nebraska | 28 | $ 1,578,000 | $ 56,357 | $ 63,000 |
| Weston, Wyoming | 28 | $ 2,113,000 | $ 75,464 | $ 52,000 |
| Big Horn, Wyoming | 7 | $ 863,000 | $ 123,285 | $ 142,000 |
| Custer, South Dakota | 5 | $ 457,000 | $ 91,400 | $ 29,000 |
| Fremont, Wyoming | 5 | $ 653,000 | $ 130,600 | $ 56,000 |
| Albany, Wyoming | 3 | $ 540,000 | $ 180,000 | $ 14,000 |
| Carbon, Montana | 2 | $ 316,000 | $ 158,000 | $ 141,000 |
| Sioux, Nebraska | 2 | $ 347,000 | $ 173,500 | $ 28,000 |
| Lawrence, South Dakota | 2 | $ 136,000 | $ 68,000 | $ 81,000 |
| El Dorado, California | 1 | $ 6,000 | $ 6,000 | $ 25,000 |
| Boulder, Colorado | 1 | $ 575,000 | $ 575,000 | $ 43,000 |
| Teton, Idaho | 1 | $ 210,000 | $ 210,000 | $ 401,000 |
| Fergus, Montana | 1 | $ 7,000 | $ 7,000 | $ 42,000 |
| Yellowstone, Montana | 1 | $ 176,000 | $ 176,000 | $ 35,000 |
| Box Butte, Nebraska | 1 | $ 180,000 | $ 180,000 | $ 235,000 |
| Dawes, Nebraska | 1 | $ 38,000 | $ 38,000 | $ 41,000 |
| Aransas, Texas | 1 | $ 1,000 | $ 1,000 | $ 35,000 |
| Carbon, Wyoming | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| Sheridan, Wyoming | 1 | $ 1,015,000 | $ 1,015,000 | $ 0 |
Mortgage Loan Application Detail Totals for Pinnacle Bank - Wyoming in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 281 | $48,690,000 | $173,000 | $1,183,000 | $75,000 | $726,000 |
| Home Purchase | 249 | $33,595,000 | $134,000 | $845,000 | $62,000 | $1,092,000 |
| Home Improvement | 102 | $5,230,000 | $51,000 | $271,000 | $62,000 | $355,000 |
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 | 563 | $73,386,000 | $130,000 | $861,000 | $74,000 | $1,092,000 |
| Not applicable | 45 | $11,907,000 | $264,000 | $1,183,000 | $0 | $0 |
| Hispanic | 12 | $898,000 | $74,000 | $240,000 | $55,000 | $135,000 |
| American Indian or Alaskan Native | 4 | $205,000 | $51,000 | $93,000 | $96,000 | $270,000 |
| Not Provided | 4 | $441,000 | $110,000 | $253,000 | $46,000 | $117,000 |
| Asian | 3 | $675,000 | $225,000 | $400,000 | $42,000 | $128,000 |
| Black or African American | 1 | $3,000 | $3,000 | $3,000 | $18,000 | $18,000 |
| 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) | 563 | $76,456,000 | $135,000 | $1,183,000 | $70,000 | $1,092,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 44 | $6,478,000 | $147,000 | $227,000 | $45,000 | $79,000 |
| FHA-insured (Federal Housing Administration) | 21 | $3,803,000 | $181,000 | $266,000 | $55,000 | $117,000 |
| VA-guaranteed (Veterans Administration) | 4 | $778,000 | $194,000 | $236,000 | $60,000 | $95,000 |
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 | 537 | $75,595,000 | $140,000 | $1,015,000 | $70,000 | $1,092,000 |
| Application Denied By Financial Institution | 64 | $8,713,000 | $136,000 | $1,183,000 | $51,000 | $195,000 |
| Application Approved But Not Accepted | 24 | $2,556,000 | $106,000 | $285,000 | $74,000 | $401,000 |
| Application Withdrawn By Applicant | 7 | $651,000 | $93,000 | $184,000 | $45,000 | $74,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2009 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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