Pinnacle Bank - Wyoming Mortgage Lending & HMDA Data, 2018
In 2018, Pinnacle Bank - Wyoming of Cody, WY reported 884 mortgage applications totaling $157.7 million, up 5% from 2017. The average application was for $178,438, and applicants reported an average income of $90,455. 82% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Cheyenne, WY (78), Casper, WY (5) and Billings, MT (3) (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 | 884 |
| Total Mortgage Loan Application Amount | $157,740,000 |
| Average Mortgage Loan Application Amount | $178,438 |
| Highest Mortgage Loan Application Amount | $1,685,000 |
| Average Applicant Income | $90,455 |
| Highest Applicant Income | $1,571,000 |
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(HMDA) records Pinnacle Bank - Wyoming filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 361 | $ 71,745,000 | $ 198,739 | $ 94,000 |
| Campbell, Wyoming | 111 | $ 21,395,000 | $ 192,747 | $ 99,000 |
| Laramie, Wyoming | 78 | $ 14,260,000 | $ 182,820 | $ 98,000 |
| Goshen, Wyoming | 73 | $ 8,355,000 | $ 114,452 | $ 72,000 |
| Hot Springs, Wyoming | 48 | $ 6,070,000 | $ 126,458 | $ 78,000 |
| Washakie, Wyoming | 44 | $ 6,230,000 | $ 141,590 | $ 78,000 |
| Weston, Wyoming | 38 | $ 5,360,000 | $ 141,052 | $ 89,000 |
| Crook, Wyoming | 32 | $ 5,300,000 | $ 165,625 | $ 86,000 |
| Big Horn, Wyoming | 30 | $ 4,740,000 | $ 158,000 | $ 72,000 |
| Scotts Bluff, Nebraska | 20 | $ 2,360,000 | $ 118,000 | $ 64,000 |
| Albany, Wyoming | 8 | $ 1,600,000 | $ 200,000 | $ 88,000 |
| Fremont, Wyoming | 6 | $ 2,290,000 | $ 381,666 | $ 91,000 |
| Natrona, Wyoming | 5 | $ 795,000 | $ 159,000 | $ 94,000 |
| Sheridan, Wyoming | 5 | $ 1,125,000 | $ 225,000 | $ 158,000 |
| Yellowstone, Montana | 3 | $ 685,000 | $ 228,333 | $ 161,000 |
| Johnson, Wyoming | 3 | $ 815,000 | $ 271,666 | $ 191,000 |
| Sioux, Nebraska | 2 | $ 290,000 | $ 145,000 | $ 44,000 |
| Lawrence, South Dakota | 2 | $ 510,000 | $ 255,000 | $ 49,000 |
| Sweetwater, Wyoming | 2 | $ 280,000 | $ 140,000 | $ 98,000 |
| Arapahoe, Colorado | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Denver, Colorado | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Jefferson, Colorado | 1 | $ 425,000 | $ 425,000 | $ 395,000 |
| Larimer, Colorado | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Weld, Colorado | 1 | $ 375,000 | $ 375,000 | $ 119,000 |
| Otter Tail, Minnesota | 1 | $ 285,000 | $ 285,000 | $ 279,000 |
| Colfax, Nebraska | 1 | $ 145,000 | $ 145,000 | $ 97,000 |
| Clark, Nevada | 1 | $ 205,000 | $ 205,000 | $ 50,000 |
| Custer, South Dakota | 1 | $ 315,000 | $ 315,000 | $ 115,000 |
| Converse, Wyoming | 1 | $ 215,000 | $ 215,000 | $ 60,000 |
| Niobrara, Wyoming | 1 | $ 25,000 | $ 25,000 | $ 53,000 |
| Sublette, Wyoming | 1 | $ 105,000 | $ 105,000 | $ 32,000 |
Mortgage Loan Application Detail Totals for Pinnacle Bank - Wyoming in 2018
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 | 701 | $130,145,000 | $185,000 | $1,685,000 | $89,000 | $1,476,000 |
| Refinancing | 91 | $16,665,000 | $183,000 | $1,215,000 | $120,000 | $1,571,000 |
| Cash-out Refinancing | 56 | $8,800,000 | $157,000 | $325,000 | $78,000 | $201,000 |
| Other Purpose | 21 | $1,455,000 | $69,000 | $275,000 | $61,000 | $128,000 |
| Home Improvement | 15 | $675,000 | $45,000 | $125,000 | $67,000 | $175,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 768 | $135,010,000 | $175,000 | $975,000 | $91,000 | $1,571,000 |
| Not Provided | 40 | $8,130,000 | $203,000 | $425,000 | $93,000 | $260,000 |
| Hispanic | 35 | $4,105,000 | $117,000 | $255,000 | $71,000 | $339,000 |
| Not applicable | 26 | $8,080,000 | $310,000 | $1,685,000 | $0 | $0 |
| Asian | 6 | $700,000 | $116,000 | $185,000 | $65,000 | $134,000 |
| Black or African American | 5 | $1,035,000 | $207,000 | $375,000 | $70,000 | $142,000 |
| American Indian or Alaskan Native | 4 | $680,000 | $170,000 | $265,000 | $218,000 | $739,000 |
| 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) | 641 | $111,815,000 | $174,000 | $1,685,000 | $101,000 | $1,571,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 109 | $19,135,000 | $175,000 | $375,000 | $56,000 | $135,000 |
| FHA-insured (Federal Housing Administration) | 82 | $14,980,000 | $182,000 | $325,000 | $70,000 | $240,000 |
| VA-guaranteed (Veterans Administration) | 52 | $11,810,000 | $227,000 | $505,000 | $74,000 | $193,000 |
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 | 723 | $130,105,000 | $179,000 | $1,685,000 | $94,000 | $1,571,000 |
| Application Withdrawn By Applicant | 95 | $18,085,000 | $190,000 | $475,000 | $83,000 | $240,000 |
| Application Denied By Financial Institution | 62 | $8,990,000 | $145,000 | $415,000 | $68,000 | $253,000 |
| Application Approved But Not Accepted | 2 | $120,000 | $60,000 | $65,000 | $52,000 | $59,000 |
| File Closed For Incompleteness | 2 | $440,000 | $220,000 | $225,000 | $83,000 | $109,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 822 | $148,750,000 | $180,000 | $1,685,000 | $92,000 | $1,571,000 |
| Debt-To-Income Ratio | 23 | $4,285,000 | $186,000 | $415,000 | $53,000 | $176,000 |
| Credit History | 17 | $1,885,000 | $110,000 | $225,000 | $70,000 | $253,000 |
| Collateral | 13 | $1,575,000 | $121,000 | $325,000 | $82,000 | $128,000 |
| Unverifiable Information | 5 | $845,000 | $169,000 | $315,000 | $100,000 | $182,000 |
| Other | 2 | $190,000 | $95,000 | $125,000 | $72,000 | $97,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $21,000 | $21,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $155,000 | $155,000 | $155,000 | $65,000 | $65,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pinnacle Bank - Wyoming's 2018 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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