Pinnacle Bank in South Carolina vs the state
15.0%Denial rate-3.28 pts vs state
17.3%Decision denial rate-6.17 pts vs state
66.0%Origination rate+9.37 pts vs state
6.63%Median rate+0.13 pts vs state
0.12Rate spread (pts)-0.10 pts vs state
$119kMedian applicant income
417Loans originated
95Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 694 | 478 | 19.2% | 7.88% | #66 |
| 2024 | 562 | 363 | 17.8% | 7.13% | #80 |
| 2025 | 632 | 417 | 15.0% | 6.63% | #84 |
What Pinnacle Bank lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Pinnacle Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Charleston County | 220 | 148 | 25 | 11.4% |
| Horry County | 66 | 39 | 11 | 16.7% |
| Greenville County | 65 | 42 | 14 | 21.5% |
| Berkeley County | 52 | 37 | 7 | 13.5% |
| Dorchester County | 47 | 34 | 3 | 6.4% |
| Spartanburg County | 38 | 23 | 8 | 21.1% |
| Beaufort County | 36 | 24 | 7 | 19.4% |
| Pickens County | 23 | 17 | 5 | 21.7% |
| Anderson County | 16 | 10 | 6 | 37.5% |
| York County | 10 | 6 | 1 | 10.0% |
Other large lenders in South Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,403 | 16.8% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 12,272 | 40.7% | 6.50% |
| United Shore Financial Services | B | 9,236 | 12.8% | 6.13% |
| 21st Mortgage | F | 6,510 | 48.2% | 10.41% |
| Dhi Mortgage Company | B | 6,184 | 17.4% | 4.99% |
| Navy Federal Credit Union | D | 5,424 | 21.2% | 7.50% |
| First-Citizens Bank & Trust | B | 5,399 | 20.9% | 6.38% |
| Freedom Mortgage | B | 5,296 | 7.3% | 6.25% |
| Mortgage Research Center | C | 5,189 | 19.1% | 6.25% |
| Bank of America | F | 5,009 | 33.1% | 6.24% |
Frequently asked questions
South Carolina: 632 applications in 2025, of which 417 were originated and 95 denied.
15.0% of all applications, or 17.3% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Pinnacle Bank originated in South 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 South Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology