Pinnacle Bank - Wyoming Mortgage Lending & HMDA Data, 2012
In 2012, Pinnacle Bank - Wyoming of Cody, WY reported 626 mortgage applications totaling $97.8 million, up 19% from 2011. The average application was for $156,215, and applicants reported an average income of $72,412. 88% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Cheyenne, WY (56), Rapid City, SD (3) 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 | 626 |
| Total Mortgage Loan Application Amount | $97,791,000 |
| Average Mortgage Loan Application Amount | $156,215 |
| Highest Mortgage Loan Application Amount | $2,530,000 |
| Average Applicant Income | $72,412 |
| Highest Applicant Income | $768,000 |
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(HMDA) records Pinnacle Bank - Wyoming filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 250 | $ 44,636,000 | $ 178,544 | $ 82,000 |
| Goshen, Wyoming | 94 | $ 13,059,000 | $ 138,925 | $ 60,000 |
| Laramie, Wyoming | 56 | $ 9,509,000 | $ 169,803 | $ 57,000 |
| Hot Springs, Wyoming | 41 | $ 4,376,000 | $ 106,731 | $ 63,000 |
| Washakie, Wyoming | 40 | $ 3,697,000 | $ 92,425 | $ 57,000 |
| Weston, Wyoming | 40 | $ 4,872,000 | $ 121,800 | $ 74,000 |
| Campbell, Wyoming | 23 | $ 3,893,000 | $ 169,260 | $ 70,000 |
| Crook, Wyoming | 23 | $ 3,845,000 | $ 167,173 | $ 76,000 |
| Scotts Bluff, Nebraska | 13 | $ 1,057,000 | $ 81,307 | $ 30,000 |
| Platte, Wyoming | 6 | $ 565,000 | $ 94,166 | $ 116,000 |
| Big Horn, Wyoming | 5 | $ 816,000 | $ 163,200 | $ 73,000 |
| Albany, Wyoming | 4 | $ 754,000 | $ 188,500 | $ 95,000 |
| Meade, South Dakota | 3 | $ 748,000 | $ 249,333 | $ 83,000 |
| Fremont, Wyoming | 3 | $ 404,000 | $ 134,666 | $ 39,000 |
| Prairie, Montana | 2 | $ 12,000 | $ 6,000 | $ 29,000 |
| Sioux, Nebraska | 2 | $ 544,000 | $ 272,000 | $ 62,000 |
| Custer, South Dakota | 2 | $ 252,000 | $ 126,000 | $ 77,000 |
| Converse, Wyoming | 2 | $ 739,000 | $ 369,500 | $ 46,000 |
| Niobrara, Wyoming | 2 | $ 358,000 | $ 179,000 | $ 103,000 |
| Sheridan, Wyoming | 2 | $ 322,000 | $ 161,000 | $ 164,000 |
| Adams, Colorado | 1 | $ 176,000 | $ 176,000 | $ 339,000 |
| Larimer, Colorado | 1 | $ 228,000 | $ 228,000 | $ 44,000 |
| Wyandotte, Kansas | 1 | $ 5,000 | $ 5,000 | $ 85,000 |
| Yellowstone, Montana | 1 | $ 121,000 | $ 121,000 | $ 72,000 |
| Morrill, Nebraska | 1 | $ 124,000 | $ 124,000 | $ 37,000 |
| Clark, Nevada | 1 | $ 138,000 | $ 138,000 | $ 74,000 |
| Dona Ana, New Mexico | 1 | $ 101,000 | $ 101,000 | $ 80,000 |
| Lawrence, South Dakota | 1 | $ 320,000 | $ 320,000 | $ 81,000 |
| Cache, Utah | 1 | $ 188,000 | $ 188,000 | $ 362,000 |
| Carbon, Wyoming | 1 | $ 58,000 | $ 58,000 | $ 39,000 |
| Sublette, Wyoming | 1 | $ 276,000 | $ 276,000 | $ 261,000 |
| Sweetwater, Wyoming | 1 | $ 285,000 | $ 285,000 | $ 85,000 |
| Teton, Wyoming | 1 | $ 1,313,000 | $ 1,313,000 | $ 0 |
Mortgage Loan Application Detail Totals for Pinnacle Bank - Wyoming in 2012
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 | 278 | $43,754,000 | $157,000 | $1,313,000 | $69,000 | $396,000 |
| Refinancing | 265 | $46,216,000 | $174,000 | $2,530,000 | $78,000 | $768,000 |
| Home Improvement | 83 | $7,821,000 | $94,000 | $1,506,000 | $66,000 | $336,000 |
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 | 582 | $85,577,000 | $147,000 | $715,000 | $76,000 | $768,000 |
| Not applicable | 27 | $10,589,000 | $392,000 | $2,530,000 | $1,000 | $30,000 |
| Hispanic | 13 | $1,101,000 | $84,000 | $244,000 | $55,000 | $94,000 |
| Not Provided | 2 | $253,000 | $126,000 | $180,000 | $36,000 | $72,000 |
| American Indian or Alaskan Native | 1 | $204,000 | $204,000 | $204,000 | $64,000 | $64,000 |
| Asian | 1 | $67,000 | $67,000 | $67,000 | $26,000 | $26,000 |
| Black or African American | 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) | 513 | $80,364,000 | $156,000 | $2,530,000 | $77,000 | $768,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 67 | $9,434,000 | $140,000 | $357,000 | $43,000 | $85,000 |
| FHA-insured (Federal Housing Administration) | 28 | $4,624,000 | $165,000 | $276,000 | $65,000 | $131,000 |
| VA-guaranteed (Veterans Administration) | 18 | $3,369,000 | $187,000 | $313,000 | $59,000 | $100,000 |
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 | 554 | $87,861,000 | $158,000 | $2,530,000 | $73,000 | $768,000 |
| Application Denied By Financial Institution | 42 | $4,914,000 | $117,000 | $352,000 | $62,000 | $360,000 |
| Application Approved But Not Accepted | 28 | $4,926,000 | $175,000 | $400,000 | $77,000 | $381,000 |
| Application Withdrawn By Applicant | 2 | $90,000 | $45,000 | $80,000 | $51,000 | $53,000 |
| 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 2012 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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