Pinnacle Bank 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 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
33rd15.5% deniedProcesswithdrawn + incomplete share, weight 15%
58th15.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 874 | 571 | 16.4% | 19.4% | — | $119M |
| 2024 | 860 | 560 | 14.8% | 18.0% | — | $129M |
| 2025 | 1,228 | 851 | 13.1% | 15.5% | — | $283M |
What Pinnacle Bank 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, 38 manufactured homes, 240 investment properties.
Who gets approved at Pinnacle Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 119 | 59 | 37.3% |
| $50k – $100k | 344 | 225 | 17.7% |
| $100k – $150k | 254 | 183 | 15.7% |
| $150k – $250k | 226 | 168 | 8.5% |
| Over $250k | 131 | 90 | 5.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 48 | 38 | 7.3% |
| 25–34 | 208 | 145 | 11.0% |
| 35–44 | 225 | 154 | 18.0% |
| 45–54 | 219 | 147 | 16.1% |
| 55–64 | 198 | 129 | 19.9% |
| 65–74 | 142 | 90 | 20.2% |
| Over 74 | 63 | 33 | 32.7% |
Where Pinnacle Bank lends
11 states and 91 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Georgia | 1,109 | 763 | 13.5% | — | #85 |
| South Carolina | 101 | 74 | 8.9% | — | #258 |
| Florida | 5 | 3 | 40.0% | — | #1,106 |
Frequently asked questions
Pinnacle Bank denied 15.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 33rd percentile of mid-size mortgage lenders.
In 2025, 50% of its applications were for home purchases, 22% for refinancing (including cash-out), and 28% for home improvement or other purposes. By loan type: 88% conventional, 6% FHA, 5% 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.