Pinnacle Bank - Wyoming Mortgage Lending & HMDA Data, 2010
In 2010, Pinnacle Bank - Wyoming of Cody, WY reported 580 mortgage applications totaling $83.0 million, down 8% from 2009. The average application was for $143,153, and applicants reported an average income of $71,987. 83% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Cheyenne, WY (22), Fort Collins-Loveland, CO (4) and Rapid City, SD (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 | 580 |
| Total Mortgage Loan Application Amount | $83,029,000 |
| Average Mortgage Loan Application Amount | $143,153 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $71,987 |
| Highest Applicant Income | $700,000 |
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(HMDA) records Pinnacle Bank - Wyoming filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cheyenne, WY | 22 | $ 3,961,000 | $ 180,045 | $ 80,000 |
| Fort Collins-Loveland, CO | 4 | $ 839,000 | $ 209,750 | $ 54,000 |
| Rapid City, SD | 4 | $ 1,000,000 | $ 250,000 | $ 76,000 |
| Billings, MT | 1 | $ 97,000 | $ 97,000 | $ 0 |
Mortgage Loan Application Detail Totals for Pinnacle Bank - Wyoming in 2010
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 | 299 | $46,650,000 | $156,000 | $1,500,000 | $70,000 | $682,000 |
| Refinancing | 207 | $30,715,000 | $148,000 | $656,000 | $77,000 | $700,000 |
| Home Improvement | 74 | $5,664,000 | $76,000 | $1,089,000 | $66,000 | $260,000 |
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 | 513 | $71,491,000 | $139,000 | $1,089,000 | $77,000 | $700,000 |
| Not applicable | 40 | $8,447,000 | $211,000 | $1,500,000 | $3,000 | $93,000 |
| Hispanic | 15 | $1,196,000 | $79,000 | $189,000 | $64,000 | $122,000 |
| Not Provided | 5 | $1,094,000 | $218,000 | $388,000 | $148,000 | $260,000 |
| Asian | 4 | $513,000 | $128,000 | $223,000 | $78,000 | $112,000 |
| American Indian or Alaskan Native | 2 | $92,000 | $46,000 | $87,000 | $55,000 | $57,000 |
| Black or African American | 1 | $196,000 | $196,000 | $196,000 | $57,000 | $57,000 |
| 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) | 469 | $66,214,000 | $141,000 | $1,500,000 | $76,000 | $700,000 |
| FHA-insured (Federal Housing Administration) | 52 | $8,680,000 | $166,000 | $266,000 | $62,000 | $152,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 50 | $6,631,000 | $132,000 | $214,000 | $44,000 | $90,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,504,000 | $167,000 | $265,000 | $63,000 | $139,000 |
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 | 484 | $70,387,000 | $145,000 | $1,500,000 | $75,000 | $700,000 |
| Application Denied By Financial Institution | 58 | $6,499,000 | $112,000 | $388,000 | $48,000 | $186,000 |
| Application Approved But Not Accepted | 34 | $5,722,000 | $168,000 | $700,000 | $74,000 | $414,000 |
| Application Withdrawn By Applicant | 3 | $343,000 | $114,000 | $145,000 | $82,000 | $136,000 |
| File Closed For Incompleteness | 1 | $78,000 | $78,000 | $78,000 | $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 2010 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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