Pinnacle Bank - Wyoming Mortgage Rates, Fees & InfoCody, WY
Tax ID: 83-0110575
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Review & OverviewPinnacle Bank - Wyoming is a smaller bank specializing in Home Purchase loans. Pinnacle Bank - Wyoming has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Gillette, Cheyenne, Laramie, Spearfish, and Scottsbluff among others. We have data for 15 markets. (Some data included below & more in-depth data is available with an active subscription.)
Pinnacle Bank - Wyoming has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Pinnacle Bank - Wyoming is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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|Simulated Rate||Simulation Date|
|30 Year Conventional Purchase||6.13%||5/27/23|
|30 Year Conventional Refi||6.79%||5/27/23|
|30 Year Cash-out Refi||6.66%||5/27/23|
|30 Year FHA Purchase||6.77%||5/27/23|
|30 Year FHA Refi||6.46%||5/27/23|
|30 Year VA Purchase||5.77%||5/27/23|
|30 Year VA Refi||5.84%||5/27/23|
|30 Year USDA Purchase||6.21%||5/27/23|
|30 Year USDA Refi||6.44%||5/27/23|
|15 Year Conventional Purchase||5.96%||5/27/23|
|15 Year Conventional Refi||5.66%||5/27/23|
|15 Year Cash-out Refi||5.66%||5/27/23|
|These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.|
Pinnacle Bank - Wyoming Mortgage Calculator
Your EstimatesEstimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Pinnacle Bank - Wyoming. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Origination Dollar Volume (All Markets)$117,185,000
Pinnacle Bank - Wyoming - 2022
Pinnacle Bank - Wyoming is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Pinnacle Bank - Wyoming's average 30 year fixed mortgage rate was
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of -0.49%.
Relative Fees (Closing Costs)
Pinnacle Bank - Wyoming's average total fees/closing costs for a 30 year fixed rate
mortgage were $5,358.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
|Market||Originations||Total Value||Average Loan||Average Fees||Average Rate|
|Outside of Metro Areas||317||$73,415,000||$231,593||$4,785||4.51%|
|Gillette, WY (FHA|USDA|VA)||113||$22,535,000||$199,425||$4,349||4.26%|
|CHEYENNE, WY (FHA|USDA|VA)||33||$8,965,000||$271,667||$6,215||5.11%|
|Laramie, WY (FHA|USDA|VA)||16||$4,430,000||$276,875||$5,413||4.70%|
|Spearfish, SD (FHA|USDA|VA)||3||$1,535,000||$511,667||$7,227||4.69%|
|Scottsbluff, NE (FHA|USDA|VA)||13||$1,485,000||$114,231||$3,229||5.03%|
|GREELEY, CO (FHA|USDA|VA)||1||$1,305,000||$1,305,000||$0||6.99%|
|PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA)||2||$750,000||$375,000||$3,059||4.44%|
|FORT COLLINS, CO (FHA|USDA|VA)||1||$585,000||$585,000||$0||7.25%|
|CASPER, WY (FHA|USDA|VA)||2||$560,000||$280,000||$4,018||6.19%|
|Riverton, WY (FHA|USDA|VA)||4||$390,000||$97,500||$2,670||6.58%|
|BILLINGS, MT (FHA|USDA|VA)||1||$385,000||$385,000||$14,939||2.25%|
|RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA)||1||$295,000||$295,000||$4,791||4.00%|
|LUBBOCK, TX (FHA|USDA|VA)||1||$285,000||$285,000||$0||4.25%|
|RAPID CITY, SD (FHA|USDA|VA)||1||$265,000||$265,000||$2,228||6.50%|
We use machine learning to identify the top lenders compared against Pinnacle Bank - Wyoming based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, Pinnacle Bank - Wyoming's most frequently originated type of loan was Conventional, with 410 originations. Their 2nd most popular type was USDA, with 43 originations.
For 2022, Pinnacle Bank - Wyoming's most frequently cited loan purpose was Home Purchase, with 380 originations. The 2nd most popular reason was Refi, with 64 originations.
For 2022, Pinnacle Bank - Wyoming's most frequently cited loan duration was 30 Year, with 315 originations. The 2nd most popular length was Other, with 78 originations.
Origination Fees/Closing Costs
|Origination Fee/Closing Cost||Originations||Total Value||Average Loan|
Pinnacle Bank - Wyoming's average total fees were $5,358, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 112 originations.
During 2022, Pinnacle Bank - Wyoming's average interest rate for loans was 4.27%, while their most frequently originated rate bucket for loans was 4-5%, with 157 originations.
2022 saw Pinnacle Bank - Wyoming place emphasis on $200k-400k loans with 197 originations, totaling $55,045,000 in origination value.
Pinnacle Bank - Wyoming lent most frequently to those with incomes in the $50k-75k range, with 116 originations. The second most popular income band? $100k-150k, with 90 originations.
Applicant Debt to Income Ratio
Pinnacle Bank - Wyoming lent most frequently to those with DTI ratios of 20-30%, with 119 originations. The next most common DTI ratio? 30-36%, with 84 originations.
Approval RatesTotal approvals of all applications
Pinnacle Bank - Wyoming has an average approval rate.
Pick RateApprovals leading to origination
Pinnacle Bank - Wyoming has a below average pick rate.
Points and Fees
|Points||Originations||Total Value||Average Loan|