Pinnacle Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
57th8.3% deniedProcesswithdrawn + incomplete share, weight 15%
53rd11.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 164 | 121 | 10.4% | 11.6% | — | $40M |
| 2024 | 145 | 117 | 9.0% | 9.8% | — | $41M |
| 2025 | 190 | 153 | 7.4% | 8.3% | — | $91M |
What Pinnacle Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 4 manufactured homes, 90 investment properties.
Who gets approved at Pinnacle Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 30 | 21 | 22.2% |
| $100k – $150k | 22 | 18 | 10.0% |
| $150k – $250k | 37 | 28 | 3.5% |
| Over $250k | 37 | 29 | 9.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 26 | 21 | 8.7% |
| 45–54 | 22 | 15 | 15.8% |
| 55–64 | 38 | 28 | 15.2% |
| 65–74 | 21 | 14 | 17.7% |
Where Pinnacle Bank lends
3 states and 32 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 187 | 151 | 7.5% | — | #426 |
Frequently asked questions
Pinnacle Bank denied 8.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 57th percentile of small mortgage lenders.
In 2025, 66% of its applications were for home purchases, 23% for refinancing (including cash-out), and 11% for home improvement or other purposes. By loan type: 97% conventional, 1% FHA, 2% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.