Pinnacle Bank - Wyoming Mortgage Lending & HMDA Data, 2020
In 2020, Pinnacle Bank - Wyoming of Cody, WY reported 1,425 mortgage applications totaling $303.5 million, up 50% from 2019. The average application was for $213,014, and applicants reported an average income of $98,007. 79% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Cheyenne, WY (76), Casper, WY (6) and Denver-Aurora-Lakewood, CO (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 | 1,425 |
| Total Mortgage Loan Application Amount | $303,545,000 |
| Average Mortgage Loan Application Amount | $213,014 |
| Highest Mortgage Loan Application Amount | $4,915,000 |
| Average Applicant Income | $98,007 |
| Highest Applicant Income | $1,474,000 |
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(HMDA) records Pinnacle Bank - Wyoming filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 645 | $ 155,265,000 | $ 240,720 | $ 107,000 |
| Campbell, Wyoming | 196 | $ 39,190,000 | $ 199,948 | $ 89,000 |
| Goshen, Wyoming | 137 | $ 18,395,000 | $ 134,270 | $ 69,000 |
| Laramie, Wyoming | 76 | $ 23,990,000 | $ 315,657 | $ 165,000 |
| Washakie, Wyoming | 71 | $ 10,835,000 | $ 152,605 | $ 84,000 |
| Hot Springs, Wyoming | 70 | $ 8,690,000 | $ 124,142 | $ 71,000 |
| Big Horn, Wyoming | 51 | $ 9,085,000 | $ 178,137 | $ 80,000 |
| Weston, Wyoming | 46 | $ 6,980,000 | $ 151,739 | $ 81,000 |
| Crook, Wyoming | 43 | $ 8,925,000 | $ 207,558 | $ 97,000 |
| Scotts Bluff, Nebraska | 23 | $ 3,695,000 | $ 160,652 | $ 72,000 |
| Johnson, Wyoming | 10 | $ 2,860,000 | $ 286,000 | $ 123,000 |
| Fremont, Wyoming | 7 | $ 1,505,000 | $ 215,000 | $ 84,000 |
| Natrona, Wyoming | 6 | $ 1,150,000 | $ 191,666 | $ 68,000 |
| Sheridan, Wyoming | 6 | $ 1,820,000 | $ 303,333 | $ 133,000 |
| Albany, Wyoming | 4 | $ 810,000 | $ 202,500 | $ 136,000 |
| Converse, Wyoming | 4 | $ 730,000 | $ 182,500 | $ 78,000 |
| Morrill, Nebraska | 3 | $ 205,000 | $ 68,333 | $ 63,000 |
| Carbon, Wyoming | 3 | $ 255,000 | $ 85,000 | $ 99,000 |
| Jefferson, Colorado | 2 | $ 590,000 | $ 295,000 | $ 87,000 |
| Larimer, Colorado | 2 | $ 500,000 | $ 250,000 | $ 93,000 |
| Montezuma, Colorado | 2 | $ 4,410,000 | $ 2,205,000 | $ 1,474,000 |
| Weld, Colorado | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Carbon, Montana | 2 | $ 360,000 | $ 180,000 | $ 99,000 |
| Platte, Wyoming | 2 | $ 260,000 | $ 130,000 | $ 80,000 |
| Maricopa, Arizona | 1 | $ 465,000 | $ 465,000 | $ 93,000 |
| Adams, Colorado | 1 | $ 335,000 | $ 335,000 | $ 158,000 |
| Denver, Colorado | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Yellowstone, Montana | 1 | $ 185,000 | $ 185,000 | $ 80,000 |
| Box Butte, Nebraska | 1 | $ 225,000 | $ 225,000 | $ 53,000 |
| Cheyenne, Nebraska | 1 | $ 285,000 | $ 285,000 | $ 99,000 |
| Sioux, Nebraska | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| Creek, Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 43,000 |
| Butte, South Dakota | 1 | $ 365,000 | $ 365,000 | $ 61,000 |
| Niobrara, Wyoming | 1 | $ 165,000 | $ 165,000 | $ 77,000 |
| Sublette, Wyoming | 1 | $ 85,000 | $ 85,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for Pinnacle Bank - Wyoming in 2020
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 | 761 | $161,705,000 | $212,000 | $4,915,000 | $93,000 | $1,474,000 |
| Refinancing | 447 | $96,055,000 | $214,000 | $935,000 | $108,000 | $849,000 |
| Cash-out Refinancing | 181 | $42,285,000 | $233,000 | $555,000 | $99,000 | $512,000 |
| Other Purpose | 20 | $1,670,000 | $83,000 | $255,000 | $65,000 | $174,000 |
| Home Improvement | 16 | $1,830,000 | $114,000 | $455,000 | $87,000 | $199,000 |
| 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 | 1,244 | $256,000,000 | $205,000 | $2,205,000 | $97,000 | $1,474,000 |
| Not Provided | 62 | $15,420,000 | $248,000 | $1,165,000 | $131,000 | $633,000 |
| Hispanic | 46 | $7,430,000 | $161,000 | $335,000 | $63,000 | $168,000 |
| Not applicable | 45 | $18,355,000 | $407,000 | $4,915,000 | $0 | $0 |
| American Indian or Alaskan Native | 12 | $2,600,000 | $216,000 | $355,000 | $79,000 | $112,000 |
| Asian | 11 | $2,635,000 | $239,000 | $515,000 | $146,000 | $723,000 |
| Black or African American | 1 | $275,000 | $275,000 | $275,000 | $84,000 | $84,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $95,000 | $95,000 | $95,000 | $53,000 | $53,000 |
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) | 1,117 | $240,185,000 | $215,000 | $4,915,000 | $106,000 | $1,474,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 133 | $23,555,000 | $177,000 | $345,000 | $55,000 | $107,000 |
| FHA-insured (Federal Housing Administration) | 90 | $17,500,000 | $194,000 | $335,000 | $76,000 | $233,000 |
| VA-guaranteed (Veterans Administration) | 85 | $22,305,000 | $262,000 | $515,000 | $85,000 | $304,000 |
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 | 1,120 | $241,580,000 | $215,000 | $4,915,000 | $98,000 | $849,000 |
| Application Withdrawn By Applicant | 210 | $43,580,000 | $207,000 | $2,205,000 | $104,000 | $1,474,000 |
| Application Denied By Financial Institution | 78 | $15,020,000 | $192,000 | $555,000 | $80,000 | $456,000 |
| File Closed For Incompleteness | 9 | $1,775,000 | $197,000 | $305,000 | $105,000 | $180,000 |
| Application Approved But Not Accepted | 7 | $1,325,000 | $189,000 | $445,000 | $75,000 | $111,000 |
| Loan Purchased By The Institution | 1 | $265,000 | $265,000 | $265,000 | $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 | 1,347 | $288,525,000 | $214,000 | $4,915,000 | $99,000 | $1,474,000 |
| Debt-To-Income Ratio | 31 | $6,865,000 | $221,000 | $515,000 | $79,000 | $456,000 |
| Credit History | 26 | $4,000,000 | $153,000 | $345,000 | $69,000 | $127,000 |
| Collateral | 13 | $2,245,000 | $172,000 | $345,000 | $80,000 | $157,000 |
| Other | 4 | $380,000 | $95,000 | $175,000 | $89,000 | $108,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $520,000 | $260,000 | $505,000 | $137,000 | $183,000 |
| Unverifiable Information | 1 | $455,000 | $455,000 | $455,000 | $114,000 | $114,000 |
| Employment History | 1 | $555,000 | $555,000 | $555,000 | $180,000 | $180,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pinnacle Bank - Wyoming's 2020 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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