# Pinnacle Bank - Wyoming

> **Canonical URL:** https://saferate.com/lenders/pinnacle-bank-wyoming

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

Pinnacle Bank - Wyoming is a bank, headquartered in Cody, WY, serving borrowers across 4 states, with 168 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 70% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 27% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300QG83M0EX7VC434
- **Headquarters:** Cody, WY
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** AZ, MT, NE, WY
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 30/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.103%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,853
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 168
- **Dollar Volume:** $46 million
- **Applications Received:** 215
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $273,690
- **Average Borrower Income:** $115,393

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 51/100 | 118 | +0.228% | $2,867 | Sound ☺️ |
| FHA | 56/100 | 18 | -0.119% | $3,083 | Sound ☺️ |
| VA | 60/100 | 13 | -0.615% | $2,604 | Sound ☺️ |
| USDA | 76/100 | 18 | -0.231% | $2,607 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 100 loans, Score: 51/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 55/100 | 149 | $42M | +0.081% | Sound ☺️ |
| Refinance | 41/100 | 19 | $4M | +0.247% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WY | 164 | 2.62% | 91/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 165 | 68/100 |

## Frequently Asked Questions

### 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 and performance characteristics based on HMDA data analysis.

### 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 a pricing score of 30/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.103% above market average.

### What type of lender is Pinnacle Bank - Wyoming?

Pinnacle Bank - Wyoming is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Cody, WY.

### What is Pinnacle Bank - Wyoming's loan approval success rate?

Pinnacle Bank - Wyoming has a pull-through score of 73/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/pinnacle-bank-wyoming

### How to Cite

> "Pinnacle Bank - Wyoming Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/pinnacle-bank-wyoming

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