What loan types does Pinnacle Bank - Wyoming offer?

Pinnacle Bank - Wyoming offers the following mortgage loan types: FHA, Conventional, VA, usda. Each product has its own pricing score and performance metrics.

Where does Pinnacle Bank - Wyoming offer mortgages?

Pinnacle Bank - Wyoming offers mortgages in 4 states: AZ, MT, NE, WY.

How competitive are Pinnacle Bank - Wyoming's mortgage rates?

Pinnacle Bank - Wyoming has an overall pricing score of 29.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Pinnacle Bank - Wyoming?

Pinnacle Bank - Wyoming is a Bank headquartered in Cody, WY.

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Pinnacle Bank - Wyoming

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Pinnacle Bank - Wyoming has 168 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA · USDA

Place

Active

Regional

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Strong pull through performance

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Pinnacle Bank - Wyoming performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+10.3 bps above market avg

2/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

118 loans · 0.23% above market

Sound

Top 60% of lenders

3/5

FHA

18 loans · 0.12% below market

Sound

Top 60% of lenders

3/5

13 loans · 0.61% below market

Sound

Top 60% of lenders

3/5

USDA

18 loans · 0.23% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

149 loans · 0.08% above market

Sound

Top 60% of lenders

3/5

Refinance

19 loans · 0.25% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 1 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Acceptable	Strong	118	70.2%	+0.228%Above	$2,867Fees
FHA Loans	Strong	Sound	—	Strong	18	10.7%	-0.119%Below	$3,083Fees
VA Loans	Sound	Sound	—	—	13	7.7%	-0.615%Below	$2,604Fees
USDA Loans	Strong	Strong	—	—	18	10.7%	-0.231%Below	$2,607Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Strong

Volume118

Mix70.2%

Spread

+0.228%Above

Fees

$2,867Fees

FHA Loans

Overall

Strong

Product

Sound

Pricing—

Pull Through

Strong

Volume18

Mix10.7%

Spread

-0.119%Below

Fees

$3,083Fees

VA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume13

Mix7.7%

Spread

-0.615%Below

Fees

$2,604Fees

USDA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through—

Volume18

Mix10.7%

Spread

-0.231%Below

Fees

$2,607Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Acceptable	Strong	149	88.7%	+0.081%Above	$2,887Fees
Refinance	Sound	Sound	—	Strong	19	11.3%	+0.247%Above	$2,630Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Strong

Volume149

Mix88.7%

Spread

+0.081%Above

Fees

$2,887Fees

Refinance

Overall

Sound

Product

Sound

Pricing—

Pull Through

Strong

Volume19

Mix11.3%

Spread

+0.247%Above

Fees

$2,630Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

168

Applications

215

Volume

$45 million

Pricing & Closing

Avg Rate Spread

+0.103%

vs. market APOR

Avg Net Fees

$2,853

Origination − Credits

Pullthrough Rate

78.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$273,690

Avg Borrower Income

$115,393

Avg Property Value

$430,893

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

N/A

States with Loan Originations

4Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest1

West3

AZMTWY

Top States by Place Specialization Score

WyomingState

Volume 164Mix 97.62% of portfolio

91/100

Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.