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Pinnacle Bank - Wyoming

BankCody, WYDirect to Consumer

Pinnacle Bank Wyoming has 168 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Acceptable
vs. all lenders
Pull Through
Strong
closing strength
Products
Strong
FHA · Conventional · VA · USDA
Place
Active
Regional

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Safe Rate's Summary

What They Do Well

  • Strong pull through performance

Things to Think About

  • Pricing may be below industry average

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Report Card

Pinnacle Bank - Wyoming performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Near industry average
+10.3 bps above market avg
Pull Through
Closing strength
Strong
Highly Competitive
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
FHA
Sound
Industry Standard
Top 60% of lenders
VA
Sound
Industry Standard
Top 60% of lenders
USDA
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Sound
Industry Standard
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Regional1 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Sound
Acceptable
Strong
11870.2%
+0.228%Above
$2,867Fees
FHA Loans
Sound
Sound
Strong
1810.7%
-0.119%Below
$3,083Fees
VA Loans
Sound
Sound
137.7%
-0.615%Below
$2,604Fees
USDA Loans
Strong
Strong
1810.7%
-0.231%Below
$2,607Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Acceptable
Strong
14988.7%
+0.081%Above
$2,887Fees
Refinance
Sound
Sound
Strong
1911.3%
+0.247%Above
$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
0
States Served
4
We count Washington DC as a state
Avg Place Specialization
N/A

States with Loan Originations

AZMTNEWY

Top States by Place Specialization Score

1
WYState
Volume: 164Mix: 97.62%of portfolio
Place
Exceptional

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

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

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.