Pinnacle Bank in Missouri vs the state
5.6%Denial rate-9.49 pts vs state
6.3%Decision denial rate-12.38 pts vs state
81.4%Origination rate+18.74 pts vs state
7.25%Median rate+0.63 pts vs state
0.61Rate spread (pts)+0.26 pts vs state
$95kMedian applicant income
175Loans originated
12Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 161 | 113 | 8.1% | 7.95% | #183 |
| 2024 | 158 | 134 | 4.4% | 7.83% | #197 |
| 2025 | 215 | 175 | 5.6% | 7.25% | #174 |
What Pinnacle Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Pinnacle Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jasper County | 126 | 101 | 7 | 5.6% |
| Newton County | 37 | 32 | 3 | 8.1% |
| Jackson County | 19 | 16 | 0 | 0.0% |
| Greene County | 7 | 6 | 1 | 14.3% |
| Lawrence County | 5 | 3 | 1 | 20.0% |
| Barton County | 3 | 2 | 0 | 0.0% |
| Taney County | 3 | 1 | 0 | 0.0% |
| Camden County | 3 | 3 | 0 | 0.0% |
| Stone County | 3 | 2 | 0 | 0.0% |
| St. Charles County | 2 | 2 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 215 applications in 2025, of which 175 were originated and 12 denied.
5.6% of all applications, or 6.3% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Pinnacle Bank originated in Missouri 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 Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology