Pinnacle Bank in Georgia vs the state
13.5%Denial rate-5.69 pts vs state
15.9%Decision denial rate-9.13 pts vs state
68.8%Origination rate+14.71 pts vs state
—Median rate
—Rate spread (pts)
$109kMedian applicant income
763Loans originated
150Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 853 | 558 | 16.3% | — | #90 |
| 2024 | 826 | 534 | 15.1% | — | #96 |
| 2025 | 1,109 | 763 | 13.5% | — | #85 |
What Pinnacle Bank lends in Georgia
By loan purpose
By loan type
Where in Georgia
Counties with the most Pinnacle Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Columbia County | 184 | 145 | 12 | 6.5% |
| Hart County | 86 | 55 | 17 | 19.8% |
| Richmond County | 86 | 61 | 9 | 10.5% |
| Walton County | 84 | 55 | 17 | 20.2% |
| Habersham County | 63 | 38 | 12 | 19.0% |
| Hall County | 62 | 47 | 8 | 12.9% |
| Elbert County | 58 | 44 | 6 | 10.3% |
| Franklin County | 48 | 27 | 9 | 18.8% |
| Clarke County | 41 | 29 | 7 | 17.1% |
| Union County | 37 | 18 | 11 | 29.7% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 1,109 applications in 2025, of which 763 were originated and 150 denied.
13.5% of all applications, or 15.9% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Pinnacle Bank's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology