Pinnacle Bank - Wyoming Mortgage Lending & HMDA Data, 2016
In 2016, Pinnacle Bank - Wyoming of Cody, WY reported 894 mortgage applications totaling $148.7 million, up 12% from 2015. The average application was for $166,343, and applicants reported an average income of $80,233. 81% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Cheyenne, WY (36), Rapid City, SD (7) 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 | 894 |
| Total Mortgage Loan Application Amount | $148,711,000 |
| Average Mortgage Loan Application Amount | $166,343 |
| Highest Mortgage Loan Application Amount | $1,730,000 |
| Average Applicant Income | $80,233 |
| Highest Applicant Income | $1,307,000 |
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(HMDA) records Pinnacle Bank - Wyoming filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 36 | $ 6,429,000 | $ 178,583 | $ 61,000 |
| Rapid City, SD | 7 | $ 1,573,000 | $ 224,714 | $ 87,000 |
| Casper, WY | 4 | $ 469,000 | $ 117,250 | $ 34,000 |
| Greeley, CO | 2 | $ 263,000 | $ 131,500 | $ 11,000 |
| Fort Collins, CO | 1 | $ 150,000 | $ 150,000 | $ 76,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 70,000 | $ 70,000 | $ 79,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 218,000 | $ 218,000 | $ 368,000 |
| Tyler, TX | 1 | $ 235,000 | $ 235,000 | $ 533,000 |
Mortgage Loan Application Detail Totals for Pinnacle Bank - Wyoming in 2016
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 | 587 | $96,730,000 | $164,000 | $601,000 | $81,000 | $1,307,000 |
| Refinancing | 248 | $46,480,000 | $187,000 | $1,730,000 | $78,000 | $696,000 |
| Home Improvement | 59 | $5,501,000 | $93,000 | $442,000 | $82,000 | $418,000 |
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 | 758 | $125,002,000 | $164,000 | $1,730,000 | $81,000 | $1,307,000 |
| Not Provided | 57 | $8,880,000 | $155,000 | $519,000 | $110,000 | $425,000 |
| Not applicable | 41 | $9,772,000 | $238,000 | $943,000 | $4,000 | $127,000 |
| Hispanic | 28 | $3,325,000 | $118,000 | $417,000 | $72,000 | $346,000 |
| Asian | 5 | $1,060,000 | $212,000 | $416,000 | $239,000 | $780,000 |
| American Indian or Alaskan Native | 4 | $530,000 | $132,000 | $222,000 | $54,000 | $69,000 |
| Black or African American | 1 | $142,000 | $142,000 | $142,000 | $67,000 | $67,000 |
| Native Hawaiin 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) | 656 | $106,276,000 | $162,000 | $1,730,000 | $86,000 | $1,307,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 114 | $18,689,000 | $163,000 | $370,000 | $52,000 | $152,000 |
| FHA-insured (Federal Housing Administration) | 70 | $12,408,000 | $177,000 | $276,000 | $73,000 | $309,000 |
| VA-guaranteed (Veterans Administration) | 54 | $11,338,000 | $209,000 | $423,000 | $78,000 | $438,000 |
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 | 721 | $120,242,000 | $166,000 | $1,730,000 | $80,000 | $1,307,000 |
| Application Approved But Not Accepted | 77 | $13,132,000 | $170,000 | $417,000 | $103,000 | $780,000 |
| Application Denied By Financial Institution | 75 | $11,886,000 | $158,000 | $425,000 | $59,000 | $286,000 |
| Application Withdrawn By Applicant | 20 | $3,220,000 | $161,000 | $280,000 | $73,000 | $158,000 |
| File Closed For Incompleteness | 1 | $231,000 | $231,000 | $231,000 | $79,000 | $79,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2016 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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