Pinnacle Bank in Kentucky vs the state
6.9%Denial rate-11.96 pts vs state
7.8%Decision denial rate-15.68 pts vs state
69.9%Origination rate+11.82 pts vs state
6.50%Median rate-0.25 pts vs state
0.15Rate spread (pts)-0.16 pts vs state
$134kMedian applicant income
51Loans originated
5Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 28 | 21 | 7.1% | 6.88% | #291 |
| 2024 | 49 | 28 | 20.4% | 7.50% | #245 |
| 2025 | 73 | 51 | 6.9% | 6.50% | #236 |
What Pinnacle Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Pinnacle Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Warren County | 43 | 29 | 5 | 11.6% |
| Jefferson County | 21 | 16 | 0 | 0.0% |
| Barren County | 2 | 1 | 0 | 0.0% |
| Fayette County | 1 | 1 | 0 | 0.0% |
| Butler County | 1 | 1 | 0 | 0.0% |
| Kenton County | 1 | 0 | 0 | 0.0% |
| Logan County | 1 | 1 | 0 | 0.0% |
| Boyd County | 1 | 1 | 0 | 0.0% |
| Daviess County | 1 | 1 | 0 | 0.0% |
| Simpson County | 1 | 0 | 0 | 0.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 73 applications in 2025, of which 51 were originated and 5 denied.
6.9% of all applications, or 7.8% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Pinnacle Bank originated in Kentucky in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Pinnacle Bank's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology