Pinnacle Bank - Wyoming Mortgage Lending & HMDA Data, 2019
In 2019, Pinnacle Bank - Wyoming of Cody, WY reported 950 mortgage applications totaling $178.7 million, up 7% from 2018. The average application was for $188,073, and applicants reported an average income of $91,962. 80% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Cheyenne, WY (73), Casper, WY (7) and Denver-Aurora-Lakewood, CO (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 | 950 |
| Total Mortgage Loan Application Amount | $178,670,000 |
| Average Mortgage Loan Application Amount | $188,073 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $91,962 |
| Highest Applicant Income | $650,000 |
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(HMDA) records Pinnacle Bank - Wyoming filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Pinnacle Bank - Wyoming in 2019
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 | 722 | $137,650,000 | $190,000 | $2,005,000 | $91,000 | $650,000 |
| Refinancing | 116 | $20,670,000 | $178,000 | $485,000 | $93,000 | $355,000 |
| Cash-out Refinancing | 69 | $15,555,000 | $225,000 | $1,205,000 | $99,000 | $260,000 |
| Home Improvement | 22 | $2,440,000 | $110,000 | $355,000 | $95,000 | $203,000 |
| Other Purpose | 21 | $2,355,000 | $112,000 | $335,000 | $93,000 | $440,000 |
| 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 | 804 | $149,910,000 | $186,000 | $1,855,000 | $89,000 | $650,000 |
| Not applicable | 54 | $13,050,000 | $241,000 | $2,005,000 | $0 | $0 |
| Not Provided | 34 | $7,030,000 | $206,000 | $465,000 | $157,000 | $650,000 |
| Hispanic | 31 | $4,015,000 | $129,000 | $325,000 | $57,000 | $118,000 |
| American Indian or Alaskan Native | 12 | $1,560,000 | $130,000 | $345,000 | $57,000 | $100,000 |
| Asian | 8 | $1,680,000 | $210,000 | $525,000 | $245,000 | $502,000 |
| Black or African American | 6 | $1,230,000 | $205,000 | $345,000 | $85,000 | $131,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $195,000 | $195,000 | $195,000 | $364,000 | $364,000 |
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) | 715 | $133,535,000 | $186,000 | $2,005,000 | $100,000 | $650,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 102 | $16,960,000 | $166,000 | $315,000 | $56,000 | $123,000 |
| FHA-insured (Federal Housing Administration) | 84 | $15,630,000 | $186,000 | $325,000 | $69,000 | $153,000 |
| VA-guaranteed (Veterans Administration) | 49 | $12,545,000 | $256,000 | $565,000 | $94,000 | $181,000 |
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 | 757 | $148,555,000 | $196,000 | $2,005,000 | $97,000 | $650,000 |
| Application Withdrawn By Applicant | 135 | $21,905,000 | $162,000 | $1,205,000 | $79,000 | $355,000 |
| Application Denied By Financial Institution | 51 | $6,785,000 | $133,000 | $465,000 | $61,000 | $157,000 |
| Application Approved But Not Accepted | 6 | $1,230,000 | $205,000 | $295,000 | $77,000 | $132,000 |
| File Closed For Incompleteness | 1 | $195,000 | $195,000 | $195,000 | $76,000 | $76,000 |
| 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 | 899 | $171,885,000 | $191,000 | $2,005,000 | $94,000 | $650,000 |
| Debt-To-Income Ratio | 16 | $2,080,000 | $130,000 | $465,000 | $48,000 | $120,000 |
| Credit History | 14 | $2,150,000 | $153,000 | $285,000 | $76,000 | $144,000 |
| Collateral | 13 | $1,615,000 | $124,000 | $345,000 | $70,000 | $157,000 |
| Other | 4 | $450,000 | $112,000 | $255,000 | $56,000 | $72,000 |
| Employment History | 3 | $295,000 | $98,000 | $165,000 | $40,000 | $50,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $195,000 | $195,000 | $195,000 | $72,000 | $72,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pinnacle Bank - Wyoming's 2019 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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