Pinnacle Bank - Wyoming Mortgage Lending & HMDA Data, 2023
In 2023, Pinnacle Bank - Wyoming of Cody, WY reported 415 mortgage applications totaling $93.1 million, down 40% from 2022. The average application was for $224,301, and applicants reported an average income of $110,814. 74% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Cheyenne, WY (20), Casper, WY (5) and Greeley, CO (2) (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 | 415 |
| Total Mortgage Loan Application Amount | $93,085,000 |
| Average Mortgage Loan Application Amount | $224,301 |
| Highest Mortgage Loan Application Amount | $3,225,000 |
| Average Applicant Income | $110,814 |
| Highest Applicant Income | $1,243,000 |
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(HMDA) records Pinnacle Bank - Wyoming filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 382 | $ 83,750,000 | $ 219,240 | $ 107,829 |
| Cheyenne, WY | 20 | $ 6,250,000 | $ 312,500 | $ 146,000 |
| Casper, WY | 5 | $ 1,055,000 | $ 211,000 | $ 149,000 |
| Greeley, CO | 2 | $ 230,000 | $ 115,000 | $ 45,000 |
| Rapid City, SD | 2 | $ 240,000 | $ 120,000 | $ 157,000 |
| Billings, MT | 1 | $ 625,000 | $ 625,000 | $ 250,000 |
| Fort Collins, CO | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 155,000 | $ 155,000 | $ 71,000 |
| Pueblo, CO | 1 | $ 455,000 | $ 455,000 | $ 110,000 |
Mortgage Loan Application Detail Totals for Pinnacle Bank - Wyoming in 2023
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 | 328 | $79,470,000 | $242,000 | $1,405,000 | $115,000 | $1,243,000 |
| Refinancing | 38 | $8,390,000 | $220,000 | $3,225,000 | $94,000 | $217,000 |
| Other Purpose | 21 | $1,445,000 | $68,000 | $225,000 | $92,000 | $309,000 |
| Home Improvement | 20 | $1,740,000 | $87,000 | $165,000 | $103,000 | $228,000 |
| Cash-out Refinancing | 8 | $2,040,000 | $255,000 | $415,000 | $88,000 | $157,000 |
| 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 | 353 | $73,235,000 | $207,000 | $725,000 | $111,000 | $1,243,000 |
| Not applicable | 25 | $10,755,000 | $430,000 | $3,225,000 | $0 | $0 |
| Not Provided | 24 | $5,510,000 | $229,000 | $595,000 | $108,000 | $480,000 |
| Hispanic | 6 | $1,220,000 | $203,000 | $385,000 | $78,000 | $193,000 |
| Asian | 4 | $1,420,000 | $355,000 | $565,000 | $133,000 | $143,000 |
| Black or African American | 2 | $810,000 | $405,000 | $705,000 | $139,000 | $225,000 |
| American Indian or Alaskan Native | 1 | $135,000 | $135,000 | $135,000 | $37,000 | $37,000 |
| 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) | 312 | $67,470,000 | $216,000 | $3,225,000 | $120,000 | $1,243,000 |
| FHA-insured (Federal Housing Administration) | 47 | $11,345,000 | $241,000 | $415,000 | $83,000 | $193,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $6,245,000 | $201,000 | $335,000 | $70,000 | $132,000 |
| VA-guaranteed (Veterans Administration) | 25 | $8,025,000 | $321,000 | $655,000 | $103,000 | $184,000 |
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 | 307 | $70,105,000 | $228,000 | $3,225,000 | $114,000 | $1,243,000 |
| Application Withdrawn By Applicant | 61 | $15,195,000 | $249,000 | $725,000 | $123,000 | $473,000 |
| Application Denied By Financial Institution | 38 | $5,970,000 | $157,000 | $405,000 | $72,000 | $167,000 |
| Application Approved But Not Accepted | 5 | $1,215,000 | $243,000 | $415,000 | $99,000 | $266,000 |
| File Closed For Incompleteness | 3 | $405,000 | $135,000 | $225,000 | $86,000 | $125,000 |
| Loan Purchased By The Institution | 1 | $195,000 | $195,000 | $195,000 | $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 | 377 | $87,115,000 | $231,000 | $3,225,000 | $115,000 | $1,243,000 |
| Debt-To-Income Ratio | 13 | $2,145,000 | $165,000 | $405,000 | $62,000 | $167,000 |
| Credit History | 11 | $2,155,000 | $195,000 | $375,000 | $65,000 | $139,000 |
| Collateral | 6 | $790,000 | $131,000 | $275,000 | $94,000 | $164,000 |
| Other | 3 | $475,000 | $158,000 | $305,000 | $82,000 | $87,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $215,000 | $71,000 | $145,000 | $76,000 | $79,000 |
| Employment History | 2 | $190,000 | $95,000 | $185,000 | $81,000 | $81,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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 2023 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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