Pinnacle Bank in Virginia vs the state
11.8%Denial rate-4.19 pts vs state
13.1%Decision denial rate-7.15 pts vs state
71.1%Origination rate+11.54 pts vs state
6.63%Median rate0.00 pts vs state
0.03Rate spread (pts)-0.19 pts vs state
$123kMedian applicant income
248Loans originated
41Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 248 | 173 | 17.7% | 7.13% | #166 |
| 2024 | 274 | 194 | 16.1% | 7.10% | #169 |
| 2025 | 349 | 248 | 11.8% | 6.63% | #146 |
What Pinnacle Bank lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Pinnacle Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Roanoke city | 92 | 61 | 15 | 16.3% |
| Roanoke County | 65 | 57 | 3 | 4.6% |
| Fairfax County | 36 | 23 | 6 | 16.7% |
| Salem city | 24 | 14 | 5 | 20.8% |
| Loudoun County | 22 | 12 | 6 | 27.3% |
| Bedford County | 16 | 12 | 0 | 0.0% |
| Franklin County | 14 | 11 | 1 | 7.1% |
| Lynchburg city | 11 | 10 | 0 | 0.0% |
| Botetourt County | 10 | 6 | 2 | 20.0% |
| Campbell County | 7 | 5 | 1 | 14.3% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 349 applications in 2025, of which 248 were originated and 41 denied.
11.8% of all applications, or 13.1% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Pinnacle Bank originated in Virginia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Pinnacle Bank's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology