Pinnacle Bank - Wyoming Mortgage Lending & HMDA Data, 2013
In 2013, Pinnacle Bank - Wyoming of Cody, WY reported 696 mortgage applications totaling $118.9 million, up 11% from 2012. The average application was for $170,775, and applicants reported an average income of $82,770. 87% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Cheyenne, WY (48), Billings, MT (4) and Casper, WY (4) (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 | 696 |
| Total Mortgage Loan Application Amount | $118,860,000 |
| Average Mortgage Loan Application Amount | $170,775 |
| Highest Mortgage Loan Application Amount | $2,910,000 |
| Average Applicant Income | $82,770 |
| Highest Applicant Income | $994,000 |
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(HMDA) records Pinnacle Bank - Wyoming filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 272 | $ 50,409,000 | $ 185,327 | $ 86,000 |
| Goshen, Wyoming | 107 | $ 15,499,000 | $ 144,850 | $ 66,000 |
| Laramie, Wyoming | 48 | $ 14,559,000 | $ 303,312 | $ 135,000 |
| Hot Springs, Wyoming | 43 | $ 4,555,000 | $ 105,930 | $ 55,000 |
| Washakie, Wyoming | 43 | $ 4,944,000 | $ 114,976 | $ 73,000 |
| Campbell, Wyoming | 39 | $ 6,643,000 | $ 170,333 | $ 115,000 |
| Weston, Wyoming | 38 | $ 4,739,000 | $ 124,710 | $ 81,000 |
| Crook, Wyoming | 26 | $ 5,055,000 | $ 194,423 | $ 74,000 |
| Scotts Bluff, Nebraska | 21 | $ 1,725,000 | $ 82,142 | $ 47,000 |
| Big Horn, Wyoming | 15 | $ 1,841,000 | $ 122,733 | $ 62,000 |
| Niobrara, Wyoming | 8 | $ 1,412,000 | $ 176,500 | $ 86,000 |
| Fremont, Wyoming | 5 | $ 771,000 | $ 154,200 | $ 65,000 |
| Albany, Wyoming | 4 | $ 481,000 | $ 120,250 | $ 59,000 |
| Natrona, Wyoming | 4 | $ 343,000 | $ 85,750 | $ 82,000 |
| Carbon, Montana | 3 | $ 172,000 | $ 57,333 | $ 67,000 |
| Sioux, Nebraska | 2 | $ 448,000 | $ 224,000 | $ 75,000 |
| Meade, South Dakota | 2 | $ 550,000 | $ 275,000 | $ 56,000 |
| Twin Falls, Idaho | 1 | $ 58,000 | $ 58,000 | $ 59,000 |
| Yellowstone, Montana | 1 | $ 358,000 | $ 358,000 | $ 68,000 |
| Hamilton, Nebraska | 1 | $ 77,000 | $ 77,000 | $ 55,000 |
| Lincoln, Nebraska | 1 | $ 232,000 | $ 232,000 | $ 44,000 |
| McKenzie, North Dakota | 1 | $ 124,000 | $ 124,000 | $ 135,000 |
| Custer, South Dakota | 1 | $ 255,000 | $ 255,000 | $ 162,000 |
| Fall River, South Dakota | 1 | $ 21,000 | $ 21,000 | $ 35,000 |
| Weber, Utah | 1 | $ 280,000 | $ 280,000 | $ 60,000 |
| Carbon, Wyoming | 1 | $ 142,000 | $ 142,000 | $ 31,000 |
| Converse, Wyoming | 1 | $ 90,000 | $ 90,000 | $ 93,000 |
| Lincoln, Wyoming | 1 | $ 2,103,000 | $ 2,103,000 | $ 0 |
| Platte, Wyoming | 1 | $ 167,000 | $ 167,000 | $ 38,000 |
| Sublette, Wyoming | 1 | $ 260,000 | $ 260,000 | $ 76,000 |
| Teton, Wyoming | 1 | $ 384,000 | $ 384,000 | $ 536,000 |
| Uinta, Wyoming | 1 | $ 153,000 | $ 153,000 | $ 61,000 |
Mortgage Loan Application Detail Totals for Pinnacle Bank - Wyoming in 2013
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 | 400 | $65,377,000 | $163,000 | $1,480,000 | $85,000 | $994,000 |
| Refinancing | 236 | $48,090,000 | $203,000 | $2,910,000 | $83,000 | $536,000 |
| Home Improvement | 60 | $5,393,000 | $89,000 | $893,000 | $67,000 | $327,000 |
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 | 635 | $100,966,000 | $159,000 | $2,109,000 | $85,000 | $994,000 |
| Not applicable | 23 | $11,813,000 | $513,000 | $2,910,000 | $9,000 | $108,000 |
| Hispanic | 20 | $3,239,000 | $161,000 | $303,000 | $71,000 | $276,000 |
| Not Provided | 10 | $1,709,000 | $170,000 | $417,000 | $116,000 | $650,000 |
| American Indian or Alaskan Native | 5 | $515,000 | $103,000 | $153,000 | $77,000 | $102,000 |
| Asian | 3 | $618,000 | $206,000 | $300,000 | $41,000 | $51,000 |
| 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) | 531 | $93,627,000 | $176,000 | $2,910,000 | $92,000 | $994,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 110 | $15,050,000 | $136,000 | $260,000 | $44,000 | $79,000 |
| FHA-insured (Federal Housing Administration) | 38 | $6,882,000 | $181,000 | $270,000 | $76,000 | $165,000 |
| VA-guaranteed (Veterans Administration) | 17 | $3,301,000 | $194,000 | $351,000 | $58,000 | $126,000 |
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 | 607 | $105,269,000 | $173,000 | $2,910,000 | $83,000 | $994,000 |
| Application Approved But Not Accepted | 51 | $8,454,000 | $165,000 | $417,000 | $92,000 | $650,000 |
| Application Denied By Financial Institution | 34 | $4,409,000 | $129,000 | $417,000 | $66,000 | $400,000 |
| Application Withdrawn By Applicant | 4 | $728,000 | $182,000 | $315,000 | $51,000 | $84,000 |
| 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 2013 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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