Pinnacle Bank in North Carolina vs the state
18.2%Denial rate+0.14 pts vs state
20.9%Decision denial rate-1.96 pts vs state
64.3%Origination rate+6.47 pts vs state
6.63%Median rate+0.13 pts vs state
0.07Rate spread (pts)-0.01 pts vs state
$84kMedian applicant income
1,222Loans originated
346Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,875 | 1,290 | 16.8% | 7.50% | #47 |
| 2024 | 1,713 | 1,107 | 19.7% | 7.13% | #50 |
| 2025 | 1,901 | 1,222 | 18.2% | 6.63% | #55 |
What Pinnacle Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Pinnacle Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Guilford County | 359 | 209 | 87 | 24.2% |
| Mecklenburg County | 182 | 132 | 25 | 13.7% |
| Davidson County | 154 | 112 | 22 | 14.3% |
| Wake County | 144 | 85 | 39 | 27.1% |
| Forsyth County | 142 | 91 | 21 | 14.8% |
| Alamance County | 137 | 99 | 18 | 13.1% |
| Durham County | 101 | 62 | 19 | 18.8% |
| Randolph County | 98 | 68 | 13 | 13.3% |
| Cabarrus County | 94 | 60 | 13 | 13.8% |
| Rowan County | 64 | 43 | 10 | 15.6% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 1,901 applications in 2025, of which 1,222 were originated and 346 denied.
18.2% of all applications, or 20.9% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Pinnacle Bank originated in North Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Pinnacle Bank's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology