Pinnacle Bank in Georgia vs the state
25.0%Denial rate+5.78 pts vs state
28.9%Decision denial rate+3.82 pts vs state
55.0%Origination rate+0.86 pts vs state
6.38%Median rate-0.25 pts vs state
0.04Rate spread (pts)-0.23 pts vs state
$125kMedian applicant income
200Loans originated
91Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 546 | 348 | 18.7% | 7.75% | #118 |
| 2024 | 386 | 226 | 21.0% | 6.75% | #163 |
| 2025 | 364 | 200 | 25.0% | 6.38% | #182 |
What Pinnacle Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Pinnacle Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 102 | 57 | 32 | 31.4% |
| DeKalb County | 57 | 29 | 12 | 21.1% |
| Gwinnett County | 29 | 13 | 12 | 41.4% |
| Cobb County | 29 | 14 | 9 | 31.0% |
| Catoosa County | 26 | 18 | 2 | 7.7% |
| Walker County | 17 | 11 | 3 | 17.6% |
| Columbia County | 15 | 5 | 1 | 6.7% |
| Cherokee County | 15 | 8 | 2 | 13.3% |
| Forsyth County | 15 | 9 | 5 | 33.3% |
| Henry County | 7 | 6 | 1 | 14.3% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 364 applications in 2025, of which 200 were originated and 91 denied.
25.0% of all applications, or 28.9% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Pinnacle Bank originated in Georgia in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Pinnacle Bank's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology