Pinnacle Bank in Kansas vs the state
2.8%Denial rate-12.21 pts vs state
2.9%Decision denial rate-15.42 pts vs state
95.8%Origination rate+31.95 pts vs state
7.25%Median rate+0.63 pts vs state
1.32Rate spread (pts)+1.02 pts vs state
$94kMedian applicant income
68Loans originated
2Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 59 | 52 | 0.0% | 7.35% | #193 |
| 2024 | 73 | 66 | 4.1% | 7.73% | #173 |
| 2025 | 71 | 68 | 2.8% | 7.25% | #195 |
What Pinnacle Bank lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Pinnacle Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dickinson County | 41 | 40 | 1 | 2.4% |
| Johnson County | 5 | 5 | 0 | 0.0% |
| Cherokee County | 5 | 4 | 0 | 0.0% |
| Saline County | 3 | 3 | 0 | 0.0% |
| Riley County | 2 | 2 | 0 | 0.0% |
| Douglas County | 2 | 2 | 0 | 0.0% |
| Sedgwick County | 2 | 2 | 0 | 0.0% |
| Crawford County | 2 | 1 | 1 | 50.0% |
| Reno County | 1 | 1 | 0 | 0.0% |
| Clay County | 1 | 1 | 0 | 0.0% |
Other large lenders in Kansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 5,303 | 18.0% | 6.63% |
| Communityamerica Credit Union | B | 3,575 | 12.4% | 6.38% |
| United Shore Financial Services | B | 2,545 | 11.4% | 6.38% |
| Mortgage Research Center | C | 2,389 | 15.1% | 6.25% |
| Fairway Independent Mortgage | B | 2,360 | 2.0% | 6.63% |
| Pennymac Loan Services | C | 2,103 | 10.8% | 6.49% |
| Credit Union of America | C | 1,940 | 22.9% | 7.75% |
| Capitol Federal Savings Bank | B | 1,873 | 12.6% | 6.75% |
| Guild Mortgage | A | 1,549 | 3.6% | 6.63% |
| U.S. Bank | D | 1,534 | 31.4% | 7.28% |
Frequently asked questions
Kansas: 71 applications in 2025, of which 68 were originated and 2 denied.
2.8% of all applications, or 2.9% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Pinnacle Bank originated in Kansas in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Pinnacle Bank's own HMDA filing for properties located in Kansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology