Dg Pinnacle Funding 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%
72nd5.2% deniedPricingmedian rate spread over APOR, weight 30%
9th1.15 ptsProcesswithdrawn + incomplete share, weight 15%
82nd4.0%Closing coststotal loan costs ÷ loan amount, weight 10%
10th3.72% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 162 | 149 | 8.0% | 8.0% | 7.25% | $51M |
| 2024 | 388 | 249 | 6.4% | 9.1% | 7.06% | $92M |
| 2025 | 201 | 183 | 5.0% | 5.2% | 7.25% | $66M |
What Dg Pinnacle Funding 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: 1 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 57 investment properties.
Why Dg Pinnacle Funding denies applications
Primary reason reported for each of the 10 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Dg Pinnacle Funding
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 46 | 42 | 8.7% |
| $100k – $150k | 43 | 39 | 4.9% |
| $150k – $250k | 33 | 31 | 6.1% |
| Over $250k | 34 | 29 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 32 | 30 | 3.2% |
| 35–44 | 57 | 51 | 3.8% |
| 45–54 | 53 | 47 | 6.0% |
| 55–64 | 41 | 38 | 7.3% |
Where Dg Pinnacle Funding lends
3 states and 26 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Florida | 196 | 178 | 5.1% | 7.25% | #372 |
Frequently asked questions
Dg Pinnacle Funding denied 5.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 72nd percentile of small mortgage lenders.
The most common reason Dg Pinnacle Funding gave in 2025 was "credit history", cited on 60.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Dg Pinnacle Funding originated in 2025 was 7.25%, and its median rate spread over the average prime offer rate was 1.15 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 65% of its applications were for home purchases, 35% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 80% conventional, 20% FHA, 0% 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.