Pinnacle Bank in Florida vs the state
23.0%Denial rate+1.98 pts vs state
27.0%Decision denial rate-0.25 pts vs state
56.0%Origination rate+3.33 pts vs state
6.50%Median rate-0.13 pts vs state
0.23Rate spread (pts)-0.04 pts vs state
$170kMedian applicant income
107Loans originated
44Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 117 | 76 | 9.4% | 6.81% | #454 |
| 2024 | 117 | 62 | 22.2% | 7.25% | #459 |
| 2025 | 191 | 107 | 23.0% | 6.50% | #376 |
What Pinnacle Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Pinnacle Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Duval County | 64 | 28 | 23 | 35.9% |
| Walton County | 20 | 13 | 4 | 20.0% |
| St. Johns County | 10 | 5 | 1 | 10.0% |
| Collier County | 8 | 7 | 1 | 12.5% |
| Palm Beach County | 8 | 4 | 0 | 0.0% |
| Pinellas County | 6 | 4 | 1 | 16.7% |
| Bay County | 6 | 5 | 0 | 0.0% |
| Pasco County | 5 | 3 | 1 | 20.0% |
| Clay County | 5 | 1 | 4 | 80.0% |
| Hillsborough County | 5 | 3 | 1 | 20.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 191 applications in 2025, of which 107 were originated and 44 denied.
23.0% of all applications, or 27.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Pinnacle Bank originated in Florida in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Pinnacle Bank's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology