Pinnacle Bank - Wyoming Mortgage Lending & HMDA Data, 2024
In 2024, Pinnacle Bank - Wyoming of Cody, WY reported 357 mortgage applications totaling $81.0 million, down 14% from 2023. The average application was for $226,792, and applicants reported an average income of $118,271. 77% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Cheyenne, WY (6), Rapid City, SD (4) and Bismarck, ND (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 | 357 |
| Total Mortgage Loan Application Amount | $80,965,000 |
| Average Mortgage Loan Application Amount | $226,792 |
| Highest Mortgage Loan Application Amount | $1,015,000 |
| Average Applicant Income | $118,271 |
| Highest Applicant Income | $497,000 |
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(HMDA) records Pinnacle Bank - Wyoming filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 339 | $ 76,675,000 | $ 226,179 | $ 115,681 |
| Cheyenne, WY | 6 | $ 1,570,000 | $ 261,666 | $ 206,000 |
| Rapid City, SD | 4 | $ 840,000 | $ 210,000 | $ 214,000 |
| Bismarck, ND | 2 | $ 460,000 | $ 230,000 | $ 175,000 |
| Billings, MT | 1 | $ 205,000 | $ 205,000 | $ 95,000 |
| Casper, WY | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| Greeley, CO | 1 | $ 165,000 | $ 165,000 | $ 244,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Tucson, AZ | 1 | $ 375,000 | $ 375,000 | $ 165,000 |
| Urban Honolulu, HI | 1 | $ 85,000 | $ 85,000 | $ 86,000 |
Mortgage Loan Application Detail Totals for Pinnacle Bank - Wyoming in 2024
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 | 264 | $64,460,000 | $244,000 | $805,000 | $115,000 | $497,000 |
| Refinancing | 42 | $10,180,000 | $242,000 | $1,015,000 | $109,000 | $363,000 |
| Other Purpose | 21 | $2,005,000 | $95,000 | $285,000 | $135,000 | $244,000 |
| Home Improvement | 20 | $2,130,000 | $106,000 | $485,000 | $165,000 | $448,000 |
| Cash-out Refinancing | 10 | $2,190,000 | $219,000 | $345,000 | $115,000 | $170,000 |
| 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 | 293 | $64,335,000 | $219,000 | $805,000 | $115,000 | $497,000 |
| Not applicable | 29 | $8,305,000 | $286,000 | $1,015,000 | $0 | $0 |
| Not Provided | 16 | $4,030,000 | $251,000 | $525,000 | $176,000 | $408,000 |
| Hispanic | 15 | $2,945,000 | $196,000 | $605,000 | $120,000 | $363,000 |
| American Indian or Alaskan Native | 2 | $540,000 | $270,000 | $505,000 | $80,000 | $103,000 |
| Asian | 2 | $810,000 | $405,000 | $485,000 | $149,000 | $159,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 289 | $64,295,000 | $222,000 | $1,015,000 | $127,000 | $497,000 |
| FHA-insured (Federal Housing Administration) | 31 | $7,675,000 | $247,000 | $385,000 | $91,000 | $229,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $3,645,000 | $191,000 | $265,000 | $71,000 | $123,000 |
| VA-guaranteed (Veterans Administration) | 18 | $5,350,000 | $297,000 | $785,000 | $92,000 | $215,000 |
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 | 276 | $64,810,000 | $234,000 | $1,015,000 | $122,000 | $497,000 |
| Application Withdrawn By Applicant | 46 | $10,540,000 | $229,000 | $805,000 | $111,000 | $265,000 |
| Application Denied By Financial Institution | 32 | $4,980,000 | $155,000 | $645,000 | $88,000 | $244,000 |
| Application Approved But Not Accepted | 2 | $450,000 | $225,000 | $365,000 | $247,000 | $408,000 |
| File Closed For Incompleteness | 1 | $185,000 | $185,000 | $185,000 | $106,000 | $106,000 |
| 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 | 325 | $75,985,000 | $233,000 | $1,015,000 | $121,000 | $497,000 |
| Debt-To-Income Ratio | 14 | $3,230,000 | $230,000 | $645,000 | $74,000 | $138,000 |
| Credit History | 9 | $845,000 | $93,000 | $375,000 | $117,000 | $244,000 |
| Collateral | 7 | $895,000 | $127,000 | $325,000 | $80,000 | $120,000 |
| Other | 2 | $10,000 | $5,000 | $5,000 | $87,000 | $95,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pinnacle Bank - Wyoming's 2024 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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