Pinnacle Bank - Wyoming Mortgage Lending & HMDA Data, 2017
In 2017, Pinnacle Bank - Wyoming of Cody, WY reported 840 mortgage applications totaling $151.6 million, down 6% from 2016. The average application was for $180,461, and applicants reported an average income of $85,253. 82% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Cheyenne, WY (49), Rapid City, SD (6) and Billings, MT (5) (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 | 840 |
| Total Mortgage Loan Application Amount | $151,588,000 |
| Average Mortgage Loan Application Amount | $180,461 |
| Highest Mortgage Loan Application Amount | $1,680,000 |
| Average Applicant Income | $85,253 |
| Highest Applicant Income | $1,915,000 |
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(HMDA) records Pinnacle Bank - Wyoming filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 49 | $ 9,756,000 | $ 199,102 | $ 69,000 |
| Rapid City, SD | 6 | $ 1,817,000 | $ 302,833 | $ 85,000 |
| Billings, MT | 5 | $ 1,166,000 | $ 233,200 | $ 80,000 |
| Casper, WY | 4 | $ 647,000 | $ 161,750 | $ 93,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 370,000 | $ 185,000 | $ 40,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 372,000 | $ 372,000 | $ 142,000 |
| Greeley, CO | 1 | $ 295,000 | $ 295,000 | $ 125,000 |
| Oklahoma City, OK | 1 | $ 149,000 | $ 149,000 | $ 52,000 |
| Sebastian-Vero Beach, FL | 1 | $ 180,000 | $ 180,000 | $ 390,000 |
Mortgage Loan Application Detail Totals for Pinnacle Bank - Wyoming in 2017
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 | 611 | $107,783,000 | $176,000 | $1,680,000 | $86,000 | $1,915,000 |
| Refinancing | 172 | $38,260,000 | $222,000 | $1,456,000 | $86,000 | $749,000 |
| Home Improvement | 57 | $5,545,000 | $97,000 | $358,000 | $75,000 | $390,000 |
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 | 687 | $121,005,000 | $176,000 | $1,680,000 | $91,000 | $1,915,000 |
| Not applicable | 58 | $16,910,000 | $291,000 | $1,456,000 | $0 | $0 |
| Not Provided | 48 | $7,358,000 | $153,000 | $424,000 | $122,000 | $678,000 |
| Hispanic | 33 | $4,206,000 | $127,000 | $285,000 | $67,000 | $250,000 |
| American Indian or Alaskan Native | 8 | $1,295,000 | $161,000 | $408,000 | $66,000 | $99,000 |
| Asian | 4 | $645,000 | $161,000 | $270,000 | $74,000 | $121,000 |
| Black or African American | 2 | $169,000 | $84,000 | $163,000 | $26,000 | $26,000 |
| 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) | 632 | $111,993,000 | $177,000 | $1,680,000 | $90,000 | $1,915,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 84 | $13,968,000 | $166,000 | $354,000 | $55,000 | $96,000 |
| FHA-insured (Federal Housing Administration) | 69 | $12,168,000 | $176,000 | $280,000 | $74,000 | $271,000 |
| VA-guaranteed (Veterans Administration) | 55 | $13,459,000 | $244,000 | $434,000 | $95,000 | $390,000 |
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 | 690 | $125,123,000 | $181,000 | $1,456,000 | $83,000 | $1,453,000 |
| Application Denied By Financial Institution | 65 | $9,510,000 | $146,000 | $424,000 | $84,000 | $1,356,000 |
| Application Approved But Not Accepted | 58 | $10,915,000 | $188,000 | $800,000 | $83,000 | $524,000 |
| Application Withdrawn By Applicant | 23 | $3,876,000 | $168,000 | $424,000 | $84,000 | $228,000 |
| File Closed For Incompleteness | 4 | $2,164,000 | $541,000 | $1,680,000 | $529,000 | $1,915,000 |
| 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 2017 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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