Pinnacle Bank - Wyoming Mortgage Lending & HMDA Data, 2021
In 2021, Pinnacle Bank - Wyoming of Cody, WY reported 1,167 mortgage applications totaling $262.8 million, down 18% from 2020. The average application was for $225,222, and applicants reported an average income of $92,445. 78% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Cheyenne, WY (73), Rapid City, SD (4) 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 | 1,167 |
| Total Mortgage Loan Application Amount | $262,835,000 |
| Average Mortgage Loan Application Amount | $225,222 |
| Highest Mortgage Loan Application Amount | $1,785,000 |
| Average Applicant Income | $92,445 |
| Highest Applicant Income | $1,436,000 |
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(HMDA) records Pinnacle Bank - Wyoming filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 499 | $ 133,835,000 | $ 268,206 | $ 100,000 |
| Campbell, Wyoming | 142 | $ 29,400,000 | $ 207,042 | $ 81,000 |
| Goshen, Wyoming | 118 | $ 16,350,000 | $ 138,559 | $ 68,000 |
| Laramie, Wyoming | 73 | $ 21,135,000 | $ 289,520 | $ 89,000 |
| Washakie, Wyoming | 55 | $ 8,955,000 | $ 162,818 | $ 88,000 |
| Big Horn, Wyoming | 50 | $ 9,770,000 | $ 195,400 | $ 76,000 |
| Crook, Wyoming | 49 | $ 8,825,000 | $ 180,102 | $ 89,000 |
| Weston, Wyoming | 44 | $ 6,470,000 | $ 147,045 | $ 120,000 |
| Hot Springs, Wyoming | 42 | $ 6,550,000 | $ 155,952 | $ 74,000 |
| Scotts Bluff, Nebraska | 20 | $ 3,690,000 | $ 184,500 | $ 64,000 |
| Albany, Wyoming | 18 | $ 3,060,000 | $ 170,000 | $ 391,000 |
| Fremont, Wyoming | 6 | $ 1,800,000 | $ 300,000 | $ 98,000 |
| Johnson, Wyoming | 6 | $ 1,200,000 | $ 200,000 | $ 89,000 |
| Sheridan, Wyoming | 6 | $ 1,720,000 | $ 286,666 | $ 165,000 |
| Platte, Wyoming | 4 | $ 500,000 | $ 125,000 | $ 71,000 |
| Butte, South Dakota | 3 | $ 1,185,000 | $ 395,000 | $ 126,000 |
| Lawrence, South Dakota | 3 | $ 345,000 | $ 115,000 | $ 42,000 |
| Meade, South Dakota | 3 | $ 805,000 | $ 268,333 | $ 137,000 |
| Natrona, Wyoming | 3 | $ 415,000 | $ 138,333 | $ 38,000 |
| Carbon, Montana | 2 | $ 630,000 | $ 315,000 | $ 57,000 |
| Cheyenne, Nebraska | 2 | $ 240,000 | $ 120,000 | $ 49,000 |
| Custer, South Dakota | 2 | $ 310,000 | $ 155,000 | $ 120,000 |
| Lincoln, Wyoming | 2 | $ 2,030,000 | $ 1,015,000 | $ 44,000 |
| Maricopa, Arizona | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Jefferson, Colorado | 1 | $ 265,000 | $ 265,000 | $ 99,000 |
| Larimer, Colorado | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Park, Montana | 1 | $ 205,000 | $ 205,000 | $ 265,000 |
| Yellowstone, Montana | 1 | $ 255,000 | $ 255,000 | $ 95,000 |
| Gosper, Nebraska | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Lyon, Nevada | 1 | $ 285,000 | $ 285,000 | $ 56,000 |
| Lyman, South Dakota | 1 | $ 385,000 | $ 385,000 | $ 232,000 |
| Pennington, South Dakota | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Carbon, Wyoming | 1 | $ 225,000 | $ 225,000 | $ 84,000 |
| Converse, Wyoming | 1 | $ 195,000 | $ 195,000 | $ 50,000 |
| Niobrara, Wyoming | 1 | $ 55,000 | $ 55,000 | $ 16,000 |
| Sublette, Wyoming | 1 | $ 545,000 | $ 545,000 | $ 130,000 |
| Teton, Wyoming | 1 | $ 265,000 | $ 265,000 | $ 75,000 |
| Uinta, Wyoming | 1 | $ 95,000 | $ 95,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for Pinnacle Bank - Wyoming in 2021
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 | 677 | $160,095,000 | $236,000 | $1,335,000 | $91,000 | $624,000 |
| Refinancing | 298 | $64,370,000 | $216,000 | $1,785,000 | $98,000 | $1,436,000 |
| Cash-out Refinancing | 147 | $32,595,000 | $221,000 | $545,000 | $84,000 | $274,000 |
| Home Improvement | 27 | $2,915,000 | $107,000 | $335,000 | $111,000 | $450,000 |
| Other Purpose | 18 | $2,860,000 | $158,000 | $385,000 | $96,000 | $263,000 |
| 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 | 946 | $204,310,000 | $215,000 | $1,245,000 | $90,000 | $625,000 |
| Not applicable | 90 | $29,560,000 | $328,000 | $1,785,000 | $0 | $0 |
| Not Provided | 62 | $15,180,000 | $244,000 | $545,000 | $133,000 | $1,436,000 |
| Hispanic | 48 | $9,090,000 | $189,000 | $1,085,000 | $79,000 | $318,000 |
| American Indian or Alaskan Native | 12 | $3,160,000 | $263,000 | $575,000 | $84,000 | $145,000 |
| Asian | 7 | $1,145,000 | $163,000 | $315,000 | $108,000 | $276,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $390,000 | $195,000 | $195,000 | $66,000 | $67,000 |
| Black or African American | 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) | 955 | $217,175,000 | $227,000 | $1,785,000 | $98,000 | $1,436,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 100 | $17,720,000 | $177,000 | $405,000 | $56,000 | $104,000 |
| FHA-insured (Federal Housing Administration) | 59 | $12,645,000 | $214,000 | $355,000 | $70,000 | $338,000 |
| VA-guaranteed (Veterans Administration) | 53 | $15,295,000 | $288,000 | $695,000 | $84,000 | $278,000 |
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 | 912 | $203,500,000 | $223,000 | $1,785,000 | $92,000 | $1,436,000 |
| Application Withdrawn By Applicant | 168 | $41,720,000 | $248,000 | $1,105,000 | $100,000 | $450,000 |
| Application Denied By Financial Institution | 68 | $13,760,000 | $202,000 | $1,085,000 | $73,000 | $478,000 |
| File Closed For Incompleteness | 11 | $2,305,000 | $209,000 | $405,000 | $106,000 | $215,000 |
| Application Approved But Not Accepted | 8 | $1,550,000 | $193,000 | $355,000 | $80,000 | $114,000 |
| 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 | 1,099 | $249,075,000 | $226,000 | $1,785,000 | $94,000 | $1,436,000 |
| Credit History | 22 | $3,660,000 | $166,000 | $505,000 | $77,000 | $278,000 |
| Debt-To-Income Ratio | 21 | $4,715,000 | $224,000 | $735,000 | $50,000 | $157,000 |
| Collateral | 14 | $3,780,000 | $270,000 | $1,085,000 | $125,000 | $478,000 |
| Employment History | 7 | $1,375,000 | $196,000 | $305,000 | $31,000 | $60,000 |
| Other | 4 | $230,000 | $57,000 | $175,000 | $88,000 | $204,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pinnacle Bank - Wyoming's 2021 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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