Pinnacle Bank - Wyoming at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
55th8.6% deniedProcesswithdrawn + incomplete share, weight 15%
27th17.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 414 | 307 | 9.2% | 10.9% | 7.00% | $70M |
| 2024 | 357 | 276 | 9.0% | 10.3% | 6.99% | $65M |
| 2025 | 336 | 252 | 7.1% | 8.6% | — | $65M |
What Pinnacle Bank - Wyoming lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 39 manufactured homes, 50 investment properties.
Who gets approved at Pinnacle Bank - Wyoming
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 32 | 15 | 40.0% |
| $50k – $100k | 136 | 111 | 5.1% |
| $100k – $150k | 58 | 44 | 2.2% |
| $150k – $250k | 51 | 37 | 11.9% |
| Over $250k | 25 | 16 | 5.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 35 | 29 | 9.4% |
| 25–34 | 63 | 50 | 7.4% |
| 35–44 | 67 | 44 | 13.7% |
| 45–54 | 38 | 26 | 6.9% |
| 55–64 | 52 | 41 | 12.8% |
| 65–74 | 40 | 29 | 3.3% |
Where Pinnacle Bank - Wyoming lends
5 states and 23 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Wyoming | 318 | 244 | 6.3% | — | #17 |
| South Dakota | 8 | 4 | 0.0% | — | #144 |
| Nebraska | 7 | 2 | 57.1% | — | #275 |
Frequently asked questions
Pinnacle Bank - Wyoming denied 8.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 55th percentile of small mortgage lenders.
In 2025, 75% of its applications were for home purchases, 15% for refinancing (including cash-out), and 10% for home improvement or other purposes. By loan type: 80% conventional, 11% FHA, 4% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.