Pinnacle Bank in Iowa vs the state
12.8%Denial rate-0.04 pts vs state
13.9%Decision denial rate-1.42 pts vs state
79.5%Origination rate+11.03 pts vs state
6.88%Median rate+0.38 pts vs state
0.35Rate spread (pts)+0.16 pts vs state
$119kMedian applicant income
31Loans originated
5Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 18 | 14 | 5.6% | 7.00% | #292 |
| 2024 | 26 | 21 | 11.5% | 7.75% | #267 |
| 2025 | 39 | 31 | 12.8% | 6.88% | #247 |
What Pinnacle Bank lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most Pinnacle Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pottawattamie County | 24 | 19 | 4 | 16.7% |
| Polk County | 3 | 3 | 0 | 0.0% |
| Mills County | 2 | 1 | 1 | 50.0% |
| Crawford County | 1 | 1 | 0 | 0.0% |
| Dickinson County | 1 | 1 | 0 | 0.0% |
| Linn County | 1 | 1 | 0 | 0.0% |
| Union County | 1 | 1 | 0 | 0.0% |
| Appanoose County | 1 | 1 | 0 | 0.0% |
| Fremont County | 1 | 1 | 0 | 0.0% |
| Mahaska County | 1 | 1 | 0 | 0.0% |
Other large lenders in Iowa
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| GREENSTATE Credit Union | B | 13,829 | 5.9% | 6.50% |
| Veridian Credit Union | B | 8,725 | 8.9% | 6.49% |
| Rocket Mortgage | C | 3,761 | 22.7% | 6.63% |
| Hills Bank and Trust | A | 3,434 | 6.1% | 6.25% |
| U.S. Bank | D | 2,720 | 25.7% | 7.00% |
| Dupaco Community | A | 2,669 | 16.1% | 7.00% |
| Community Choice Credit Union | B | 2,653 | 11.8% | 6.13% |
| Iowa Bankers Mortgage | B | 2,423 | 15.4% | 6.50% |
| Broker Solutions | D | 2,386 | 6.4% | 6.75% |
| Northwest Bank | A | 2,181 | 5.7% | 6.38% |
Frequently asked questions
Iowa: 39 applications in 2025, of which 31 were originated and 5 denied.
12.8% of all applications, or 13.9% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans Pinnacle Bank originated in Iowa in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are Pinnacle Bank's own HMDA filing for properties located in Iowa, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology