Applications / Mortgage Analytics / Lenders / Wyoming / Pinnacle Bank - Wyoming
Cody, WY · State non-member bank · FDIC · $1.3 billion assets · 252 loans in 2025
Pinnacle Bank - Wyoming's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
252
loans originated, 2025
336
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pinnacle Bank - Wyoming is a purchase lender that leans on government-backed loans far more than similar banks, and it ranks 9 of 314 lenders in non-metro Wyoming.
Only 78.2% of its loans were conventional, a lower share than at nearly all similar lenders (state non-member banks making between half and twice as many loans). FHA loans (insured by the Federal Housing Administration) made up 11.9%. The rest were guaranteed by the Department of Veterans Affairs (VA) or the Department of Agriculture's Rural Housing Service (RHS). Home purchases were 75.8% of its loans, and manufactured homes 10.3%, against 2.5% at peers.
Low- and moderate-income (LMI) borrowers took 37.7% of its loans, against 28.1% at peers, and poorer neighborhoods (LMI tracts) took 28.2%, against 17.2%. Both shares were higher than at about four in five similar lenders. It turned down 3.9% of first-lien home-purchase applications, against 4.8% at peers.
Its loans fell 9% last year, to 252 from 276, while similar lenders grew 9%. In 2020 it made 1,120. The fall since then may reflect fewer refinances as its typical rate rose from 2.88% to 6.99% in 2024, or a choice to lend less; the figures do not show which.
In Cheyenne, where it has lent since at least 1990, it ranks 29 of 190 lenders with 0.8% of the market, up from 0.1% a year earlier. Fairway Independent Mortgage leads there.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Pinnacle Bank - Wyoming took 336 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.8% · Refinance 15.1% · Home improvement 4.8% · Other 4.4%
Conventional 78.2% · FHA 11.9% · USDA (RHS or FSA) 5.6% · VA 4.4% · of 252 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Wyoming | 244 | 96.8% |
| South Dakota | 4 | 1.6% |
| Nebraska | 2 | 0.8% |
| Colorado | 1 | 0.4% |
| Montana | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cheyenne | 17 |
| Denver-Aurora-Centennial | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QG83M0EX7VC434 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 561659 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2561659 | 2000–2003 |
| Respondent ID (the HMDA filer code before 2018) | 32232 | 2004–2017 |
Established 6 April 1918. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Pinnacle Bank - Wyoming's data.
Pinnacle Bank - Wyoming's data
$215
Pinnacle Bank - Wyoming and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Pinnacle Bank - Wyoming's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]