Pinnacle Bank in Tennessee vs the state
13.6%Denial rate-3.55 pts vs state
15.5%Decision denial rate-6.21 pts vs state
69.3%Origination rate+11.20 pts vs state
6.50%Median rate-0.12 pts vs state
0.02Rate spread (pts)-0.21 pts vs state
$107kMedian applicant income
2,808Loans originated
551Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,617 | 3,363 | 12.1% | 7.38% | #11 |
| 2024 | 4,040 | 2,830 | 14.2% | 6.88% | #12 |
| 2025 | 4,053 | 2,808 | 13.6% | 6.50% | #15 |
What Pinnacle Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Pinnacle Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 1,049 | 767 | 110 | 10.5% |
| Davidson County | 880 | 601 | 139 | 15.8% |
| Rutherford County | 477 | 338 | 62 | 13.0% |
| Williamson County | 278 | 185 | 41 | 14.7% |
| Hamilton County | 257 | 190 | 33 | 12.8% |
| Knox County | 213 | 145 | 26 | 12.2% |
| Sumner County | 146 | 91 | 22 | 15.1% |
| Wilson County | 137 | 95 | 19 | 13.9% |
| Blount County | 125 | 83 | 16 | 12.8% |
| Cheatham County | 51 | 38 | 9 | 17.6% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 4,053 applications in 2025, of which 2,808 were originated and 551 denied.
13.6% of all applications, or 15.5% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Pinnacle Bank originated in Tennessee in 2025 was 6.50%, against a statewide median of 6.62%.
About this data. Figures are Pinnacle Bank's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology