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Pinnacle Bank - Wyoming

Cody, WY

Pinnacle Bank - Wyoming processed 357 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 276 loans with a 9.0% denial rate. Home Purchase was the primary loan purpose. Based in Cody, WY. The approval rate of 77.3% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. Pinnacle Bank - Wyoming processed 357 HMDA-reported mortgage applications in 2024, originating 276 loans and denying 32 for a denial rate of 9.0% (applicants themselves withdrew 46 files before a decision). The average loan amount was $226,793 at a 6.872% average note rate, and applicants self-reported an average income of $34,000. The lender reports under LEI 549300QG83M0EX7VC434 from Cody, WY.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Pinnacle Bank - Wyoming's 77.3% origination rate tells you how often an application turned into funded money; the 9.0% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Credit history, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (289 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

357
Applications
276
Originated
9.0%
Denial Rate
$226,793
Avg Loan Amount
Avg Interest Rate: 6.872% Avg Applicant Income: $34,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 289 221 28 $222,474
FHA 31 23 4 $247,581
USDA 19 18 0 $191,842
VA 18 14 0 $297,222

Top loan types — Pinnacle Bank - Wyoming

Top loan types — Pinnacle Bank - Wyoming Horizontal bar chart of the top 4 items by value (applications). Top loan types — Pinnacle Bank - Wyoming Top 4 1. Conventional 289 2. FHA 31 3. USDA 19 4. VA 18 Top 5 loan types by application volume at Pinnacle Bank - Wyoming (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for Pinnacle Bank - Wyoming (LEI: 549300QG83M0EX7VC434) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
14
Credit history
14
Collateral
7
Other
3
Employment history
2
Insufficient cash
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 264 202 $244,167
Refinancing 42 36 $242,381
Other 21 19 $95,476
Home Improvement 20 12 $106,500
Cash-out Refinancing 10 7 $219,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 303 75.6% 9.9%
Joint 6 83.3% 16.7%
American Indian or Alaska Native 1 100.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 290 76.2% 8.6%
Joint 13 76.9% 23.1%
Hispanic or Latino 7 57.1% 42.9%

Nearby Lenders in WY

Other HMDA-reporting lenders in WY with similar activity. Compare any two side-by-side.

WALLICK AND VOLK, INC.

CHEYENNE, WY

1,715 apps 1,322 originated 5.7% denied

Blue Federal Credit Union

Cheyenne, WY

1,051 apps 514 originated 23.8% denied

UNIWYO FEDERAL CREDIT UNION

LARAMIE, WY

644 apps 424 originated 14.9% denied

Meridian Trust Federal Credit Union

Cheyenne, WY

510 apps 231 originated 21.0% denied

Jonah Bank

Cheyenne, WY

439 apps 401 originated 2.0% denied
Compare Pinnacle Bank - Wyoming vs WALLICK AND VOLK, INC. →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did Pinnacle Bank - Wyoming process?
Pinnacle Bank - Wyoming processed 357 mortgage applications in the 2023 HMDA reporting year. Of these, 276 were originated (approved and funded), 46 were withdrawn by the applicant, and 32 were denied.
What is Pinnacle Bank - Wyoming's mortgage approval rate?
Pinnacle Bank - Wyoming has an approval (origination) rate of 77.3%, meaning 77.3% of all applications resulted in a funded mortgage. The denial rate is 9.0%.
What is the average loan amount at Pinnacle Bank - Wyoming?
The average mortgage loan amount at Pinnacle Bank - Wyoming is $226,793. The average interest rate is 6.872%. The average applicant income is $34,000.
What are the most common reasons for mortgage denial at Pinnacle Bank - Wyoming?
The most common reasons for mortgage denial at Pinnacle Bank - Wyoming are: Debt-to-income ratio, Credit history, Collateral. In total, 32 applications were denied out of 357 total applications.
What types of mortgage loans does Pinnacle Bank - Wyoming offer?
Pinnacle Bank - Wyoming processes Conventional, FHA, USDA, VA loans. The most common type is Conventional with 289 applications and an average loan amount of $222,474.
What loan purposes does Pinnacle Bank - Wyoming serve?
Pinnacle Bank - Wyoming serves the following loan purposes: Home Purchase (264 applications), Refinancing (42 applications), Other (21 applications), Home Improvement (20 applications), Cash-out Refinancing (10 applications). Home Purchase is the most common purpose.
Where is Pinnacle Bank - Wyoming located?
Pinnacle Bank - Wyoming is headquartered in Cody, WY. The lender is identified by LEI 549300QG83M0EX7VC434 in HMDA data.
How does Pinnacle Bank - Wyoming compare in lending across racial demographics?
Pinnacle Bank - Wyoming reports demographic lending data under HMDA requirements. White applicants have an approval rate of 75.6% and denial rate of 9.9%; Joint applicants have an approval rate of 83.3% and denial rate of 16.7%; American Indian or Alaska Native applicants have an approval rate of 100.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.