Pinnacle Bank Mortgage Rates, Fees & Info

Nashville, TN

LEI: 549300CDOC4F7XSRG390

Tax ID: 62-1829917

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Pinnacle Bank is a mid-sized bank specializing in Home Purchase and Refi loans. Pinnacle Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Nashville, Memphis, Charlotte, Knoxville, and Chattanooga among others. We have data for 200 markets. (Some data included below & more in-depth data is available with an active subscription.)

Pinnacle Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Pinnacle Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
Home Equity Line of Credit (HELOC)	5.50%	4/22/24
30 Year Conventional Purchase	6.50%	4/22/24
30 Year Conventional Refi	6.39%	4/22/24
30 Year Cash-out Refi	6.61%	4/22/24
30 Year FHA Purchase	7.05%	4/22/24
30 Year VA Purchase	6.19%	4/22/24
30 Year VA Refi	6.27%	4/22/24
30 Year USDA Purchase	6.62%	4/22/24
30 Year USDA Refi	6.68%	4/22/24
15 Year Conventional Purchase	5.92%	4/22/24
15 Year Conventional Refi	6.01%	4/22/24
15 Year Cash-out Refi	6.01%	4/22/24
15 Year VA Purchase	5.68%	4/22/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Pinnacle Bank Mortgage Calculator

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This is not an official calculator from Pinnacle Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.

Originations

10,739

Origination Dollar Volume (All Markets)

$3,826,085,000

Employee count

2,634

Awards

Pinnacle Bank 30 Year Conventional Loans bronze

Pinnacle Bank 30 Year Conventional Loans silver

Show all (7) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market	Originations	Total Value	Average Loan	Average Fees	Average Rate
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	3,814	$1,200,830,000	$314,848	$3,636	3.48%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	1,556	$365,770,000	$235,071	$4,171	3.55%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	732	$341,360,000	$466,339	$3,824	3.73%
KNOXVILLE, TN (FHA\|USDA\|VA)	854	$262,370,000	$307,225	$4,039	3.50%
CHATTANOOGA, TN-GA (FHA\|USDA\|VA)	538	$185,100,000	$344,052	$3,849	3.62%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	379	$150,465,000	$397,005	$3,445	3.49%
WINSTON-SALEM, NC (FHA\|USDA\|VA)	326	$117,130,000	$359,294	$2,826	3.68%
GREENSBORO-HIGH POINT, NC (FHA\|USDA\|VA)	386	$94,980,000	$246,062	$3,328	3.77%
GREENVILLE-ANDERSON, SC (FHA\|USDA\|VA)	201	$79,395,000	$395,000	$3,311	3.62%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	163	$72,505,000	$444,816	$2,973	3.46%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA\|USDA\|VA)	94	$61,060,000	$649,574	$3,296	3.66%
ROANOKE, VA (FHA\|USDA\|VA)	189	$48,005,000	$253,995	$3,394	3.49%
Outside of Metro Areas	153	$45,335,000	$296,307	$3,736	3.36%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	55	$41,585,000	$756,091	$6,340	3.52%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	97	$40,725,000	$419,845	$4,089	3.73%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	16	$39,320,000	$2,457,500	$6,572	3.63%
BURLINGTON, NC (FHA\|USDA\|VA)	17	$33,275,000	$1,957,353	$3,150	3.68%
WILMINGTON, NC (FHA\|USDA\|VA)	14	$32,510,000	$2,322,143	$3,652	3.44%
GREENVILLE, NC (FHA\|USDA\|VA)	3	$32,505,000	$10,835,000	$3,263	3.96%
DURHAM-CHAPEL HILL, NC (FHA\|USDA\|VA)	123	$31,115,000	$252,967	$3,231	3.66%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	3	$25,115,000	$8,371,667	$24,382	3.92%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	3	$21,695,000	$7,231,667	$2,761	3.08%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	81	$21,005,000	$259,321	$3,628	3.83%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	8	$20,060,000	$2,507,500	$8,391	3.52%
BEAUMONT-PORT ARTHUR, TX (FHA\|USDA\|VA)	4	$18,080,000	$4,520,000	$0	3.93%
BLACKSBURG-CHRISTIANSBURG, VA (FHA\|USDA\|VA)	6	$16,140,000	$2,690,000	$3,805	3.63%
Detroit-Warren-Dearborn, MI (FHA\|USDA\|VA)	15	$14,515,000	$967,667	$4,016	3.64%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	7	$14,325,000	$2,046,429	$2,890	3.74%
CLEVELAND, TN (FHA\|USDA\|VA)	55	$13,085,000	$237,909	$3,480	3.70%
Sevierville, TN (FHA\|USDA\|VA)	36	$12,900,000	$358,333	$4,064	3.78%
Tullahoma-Manchester, TN (FHA\|USDA\|VA)	37	$12,165,000	$328,784	$3,594	3.42%
ASHEVILLE, NC (FHA\|USDA\|VA)	43	$11,525,000	$268,023	$3,301	3.45%
RICHMOND, VA (FHA\|USDA\|VA)	8	$11,490,000	$1,436,250	$4,533	3.41%
Albemarle, NC (FHA\|USDA\|VA)	66	$9,930,000	$150,455	$3,906	3.65%
LYNCHBURG, VA (FHA\|USDA\|VA)	21	$9,465,000	$450,714	$3,667	3.71%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	4	$9,270,000	$2,317,500	$0	3.54%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	13	$9,175,000	$705,769	$4,439	3.50%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	6	$8,480,000	$1,413,333	$2,340	3.50%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	2	$7,900,000	$3,950,000	$3,644	3.22%
SPARTANBURG, SC (FHA\|USDA\|VA)	23	$7,625,000	$331,522	$3,078	3.42%
TUCSON, AZ (FHA\|USDA\|VA)	3	$7,175,000	$2,391,667	$5,228	3.42%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA\|USDA\|VA)	33	$7,055,000	$213,788	$2,693	3.45%
COLUMBUS, OH (FHA\|USDA\|VA)	4	$7,000,000	$1,750,000	$0	3.84%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	4	$6,480,000	$1,620,000	$4,904	3.30%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	6	$6,460,000	$1,076,667	$3,578	3.39%
JOHNSON CITY, TN (FHA\|USDA\|VA)	6	$6,070,000	$1,011,667	$2,841	3.61%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA\|USDA\|VA)	1	$6,005,000	$6,005,000	$0	3.18%
MADISON, WI (FHA\|USDA\|VA)	2	$5,920,000	$2,960,000	$0	3.31%
HICKORY-LENOIR-MORGANTON, NC (FHA\|USDA\|VA)	14	$5,800,000	$414,286	$3,510	3.31%
Lewisburg, TN (FHA\|USDA\|VA)	28	$5,790,000	$206,786	$3,336	3.25%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	11	$5,785,000	$525,909	$6,578	3.34%
Richmond, IN (FHA\|USDA\|VA)	1	$5,625,000	$5,625,000	$0	3.95%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	2	$5,450,000	$2,725,000	$0	4.05%
Cullowhee, NC (FHA\|USDA\|VA)	12	$5,170,000	$430,833	$4,301	3.36%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	1	$5,155,000	$5,155,000	$0	3.14%
Shelbyville, TN (FHA\|USDA\|VA)	30	$5,110,000	$170,333	$3,822	3.53%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	7	$4,875,000	$696,429	$6,749	4.00%
ALBUQUERQUE, NM (FHA\|USDA\|VA)	3	$4,865,000	$1,621,667	$2,674	3.24%
Morehead City, NC (FHA\|USDA\|VA)	12	$4,780,000	$398,333	$3,308	3.05%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	5	$4,725,000	$945,000	$4,609	3.52%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	8	$4,640,000	$580,000	$4,718	3.63%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	7	$4,545,000	$649,286	$3,420	3.71%
COLUMBIA, SC (FHA\|USDA\|VA)	10	$4,490,000	$449,000	$3,527	3.70%
Boone, NC (FHA\|USDA\|VA)	13	$4,395,000	$338,077	$3,534	3.25%
Boston-Cambridge-Newton, MA-NH (FHA\|USDA\|VA)	3	$4,185,000	$1,395,000	$2,846	3.21%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	3	$3,965,000	$1,321,667	$3,657	3.83%
LOUISVILLE, KY (FHA\|USDA\|VA)	6	$3,760,000	$626,667	$2,253	3.50%
Klamath Falls, OR (FHA\|USDA\|VA)	2	$3,730,000	$1,865,000	$0	3.56%
CLARKSVILLE, TN-KY (FHA\|USDA\|VA)	23	$3,705,000	$161,087	$3,201	3.42%
PANAMA CITY, FL (FHA\|USDA\|VA)	9	$3,505,000	$389,444	$5,603	3.11%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	6	$3,220,000	$536,667	$2,592	3.33%
Shelby, NC (FHA\|USDA\|VA)	3	$3,085,000	$1,028,333	$0	3.96%
VALDOSTA, GA (FHA\|USDA\|VA)	1	$3,005,000	$3,005,000	$0	3.50%
Plainview, TX (FHA\|USDA\|VA)	1	$2,755,000	$2,755,000	$0	3.71%
MACON-BIBB COUNTY, GA (FHA\|USDA\|VA)	1	$2,755,000	$2,755,000	$0	3.87%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	4	$2,670,000	$667,500	$4,345	3.35%
VICTORIA, TX (FHA\|USDA\|VA)	1	$2,655,000	$2,655,000	$0	3.69%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	3	$2,645,000	$881,667	$7,536	3.18%
Cookeville, TN (FHA\|USDA\|VA)	10	$2,630,000	$263,000	$3,388	3.45%
AMARILLO, TX (FHA\|USDA\|VA)	1	$2,505,000	$2,505,000	$0	3.56%
MORRISTOWN, TN (FHA\|USDA\|VA)	14	$2,500,000	$178,571	$2,586	3.66%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	3	$2,465,000	$821,667	$3,140	3.76%
Mount Airy, NC (FHA\|USDA\|VA)	3	$2,455,000	$818,333	$2,701	3.34%
Seneca, SC (FHA\|USDA\|VA)	6	$2,450,000	$408,333	$3,062	3.54%
Dickinson, ND (FHA\|USDA\|VA)	1	$2,355,000	$2,355,000	$0	3.60%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	7	$2,305,000	$329,286	$3,590	3.41%
SAVANNAH, GA (FHA\|USDA\|VA)	11	$2,185,000	$198,636	$3,713	3.53%
FAYETTEVILLE, NC (FHA\|USDA\|VA)	6	$2,120,000	$353,333	$3,596	4.54%
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	4	$2,080,000	$520,000	$4,123	3.50%
KILLEEN-TEMPLE, TX (FHA\|USDA\|VA)	1	$2,055,000	$2,055,000	$0	4.30%
BIRMINGHAM-HOOVER, AL (FHA\|USDA\|VA)	7	$2,025,000	$289,286	$3,008	3.46%
SALINAS, CA (FHA\|USDA\|VA)	1	$2,005,000	$2,005,000	$0	3.48%
SPRINGFIELD, MA (FHA\|USDA\|VA)	1	$1,955,000	$1,955,000	$0	3.55%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	6	$1,850,000	$308,333	$3,625	3.44%
JACKSONVILLE, FL (FHA\|USDA\|VA)	6	$1,750,000	$291,667	$3,821	3.38%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	6	$1,730,000	$288,333	$4,091	3.27%
Hailey, ID (FHA\|USDA\|VA)	1	$1,725,000	$1,725,000	$8,876	3.63%
Georgetown, SC (FHA\|USDA\|VA)	6	$1,720,000	$286,667	$4,133	3.38%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	3	$1,665,000	$555,000	$5,340	3.00%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA\|USDA\|VA)	5	$1,645,000	$329,000	$2,778	3.63%
MONROE, MI (FHA\|USDA\|VA)	1	$1,625,000	$1,625,000	$0	4.10%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA\|USDA\|VA)	14	$1,580,000	$112,857	$3,406	3.82%
Key West, FL (FHA\|USDA\|VA)	4	$1,400,000	$350,000	$5,674	3.31%
Dayton, TN (FHA\|USDA\|VA)	4	$1,300,000	$325,000	$4,850	3.34%
ATHENS-CLARKE COUNTY, GA (FHA\|USDA\|VA)	3	$1,275,000	$425,000	$3,967	3.58%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA\|USDA\|VA)	1	$1,205,000	$1,205,000	$0	4.41%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	5	$1,205,000	$241,000	$3,246	3.38%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	3	$1,195,000	$398,333	$2,441	2.50%
BOWLING GREEN, KY (FHA\|USDA\|VA)	5	$1,135,000	$227,000	$4,286	3.35%
Crossville, TN (FHA\|USDA\|VA)	4	$1,130,000	$282,500	$3,647	3.28%
HUNTSVILLE, AL (FHA\|USDA\|VA)	2	$1,080,000	$540,000	$7,084	4.13%
Brevard, NC (FHA\|USDA\|VA)	3	$1,075,000	$358,333	$3,105	3.42%
KINGSPORT-BRISTOL, TN-VA (FHA\|USDA\|VA)	5	$1,075,000	$215,000	$2,782	3.50%
TULSA, OK (FHA\|USDA\|VA)	1	$1,065,000	$1,065,000	$0	3.84%
Oxford, MS (FHA\|USDA\|VA)	3	$1,055,000	$351,667	$5,482	3.13%
DALTON, GA (FHA\|USDA\|VA)	5	$1,045,000	$209,000	$6,780	3.33%
FORT COLLINS, CO (FHA\|USDA\|VA)	3	$1,015,000	$338,333	$2,538	3.33%
Pinehurst-Southern Pines, NC (FHA\|USDA\|VA)	4	$990,000	$247,500	$3,775	3.99%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	2	$990,000	$495,000	$2,310	3.56%
Lawrenceburg, TN (FHA\|USDA\|VA)	5	$965,000	$193,000	$3,809	3.63%
Athens, TN (FHA\|USDA\|VA)	5	$905,000	$181,000	$2,633	3.35%
FLORENCE-MUSCLE SHOALS, AL (FHA\|USDA\|VA)	3	$905,000	$301,667	$2,564	3.88%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	2	$880,000	$440,000	$6,746	2.81%
PORT ST. LUCIE, FL (FHA\|USDA\|VA)	2	$840,000	$420,000	$4,719	3.13%
BRUNSWICK, GA (FHA\|USDA\|VA)	2	$790,000	$395,000	$3,741	3.38%
PROVIDENCE-WARWICK, RI-MA (FHA\|USDA\|VA)	1	$755,000	$755,000	$2,970	3.25%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	2	$710,000	$355,000	$2,919	3.19%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA\|USDA\|VA)	2	$700,000	$350,000	$4,731	4.13%
THE VILLAGES, FL (FHA\|USDA\|VA)	2	$690,000	$345,000	$4,241	3.25%
NAPA, CA (FHA\|USDA\|VA)	2	$680,000	$340,000	$4,660	4.75%
Durango, CO (FHA\|USDA\|VA)	1	$675,000	$675,000	$5,308	3.50%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA\|USDA\|VA)	3	$665,000	$221,667	$2,472	3.42%
LEXINGTON-FAYETTE, KY (FHA\|USDA\|VA)	3	$655,000	$218,333	$2,938	3.58%
JACKSON, TN (FHA\|USDA\|VA)	6	$620,000	$103,333	$2,845	2.94%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	1	$615,000	$615,000	$3,656	4.38%
North Wilkesboro, NC (FHA\|USDA\|VA)	2	$550,000	$275,000	$3,210	2.69%
TUSCALOOSA, AL (FHA\|USDA\|VA)	2	$520,000	$260,000	$4,710	3.25%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA\|USDA\|VA)	1	$515,000	$515,000	$3,796	3.00%
Cullman, AL (FHA\|USDA\|VA)	1	$515,000	$515,000	$3,039	3.00%
Harrison, AR (FHA\|USDA\|VA)	1	$515,000	$515,000	$10,559	2.38%
WINCHESTER, VA-WV (FHA\|USDA\|VA)	1	$515,000	$515,000	$3,291	3.00%
Marion, NC (FHA\|USDA\|VA)	1	$515,000	$515,000	$3,799	2.88%
DES MOINES-WEST DES MOINES, IA (FHA\|USDA\|VA)	1	$505,000	$505,000	$2,415	3.75%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	1	$485,000	$485,000	$9,566	3.38%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	2	$480,000	$240,000	$2,445	3.13%
Sanford, NC (FHA\|USDA\|VA)	2	$440,000	$220,000	$2,663	3.63%
GAINESVILLE, GA (FHA\|USDA\|VA)	2	$420,000	$210,000	$4,444	3.13%
HARRISONBURG, VA (FHA\|USDA\|VA)	2	$400,000	$200,000	$2,623	3.50%
Roanoke Rapids, NC (FHA\|USDA\|VA)	1	$395,000	$395,000	$0	5.25%
Fort Payne, AL (FHA\|USDA\|VA)	2	$390,000	$195,000	$2,900	3.50%
BOISE CITY, ID (FHA\|USDA\|VA)	1	$385,000	$385,000	$11,002	2.75%
BARNSTABLE TOWN, MA (FHA\|USDA\|VA)	1	$385,000	$385,000	$2,306	2.50%
COLUMBIA, MO (FHA\|USDA\|VA)	1	$365,000	$365,000	$1,870	3.38%
Murray, KY (FHA\|USDA\|VA)	1	$355,000	$355,000	$2,484	3.13%
Glenwood Springs, CO (FHA\|USDA\|VA)	1	$355,000	$355,000	$2,760	4.63%
Albertville, AL (FHA\|USDA\|VA)	1	$345,000	$345,000	$801	2.25%
BEND, OR (FHA\|USDA\|VA)	1	$345,000	$345,000	$2,641	3.13%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	1	$335,000	$335,000	$2,742	3.25%
BILLINGS, MT (FHA\|USDA\|VA)	1	$295,000	$295,000	$4,442	2.75%
Jefferson, GA (FHA\|USDA\|VA)	2	$290,000	$145,000	$4,811	4.06%
BATON ROUGE, LA (FHA\|USDA\|VA)	1	$275,000	$275,000	$3,505	2.75%
Lake City, FL (FHA\|USDA\|VA)	1	$275,000	$275,000	$1,885	4.00%
SUMTER, SC (FHA\|USDA\|VA)	2	$270,000	$135,000	$2,586	3.63%
Middlesborough, KY (FHA\|USDA\|VA)	1	$265,000	$265,000	$8,511	3.25%
NEW BERN, NC (FHA\|USDA\|VA)	1	$255,000	$255,000	$4,435	3.25%
TYLER, TX (FHA\|USDA\|VA)	1	$245,000	$245,000	$3,430	3.13%
SCRANTON--WILKES-BARRE, PA (FHA\|USDA\|VA)	1	$245,000	$245,000	$4,177	4.13%
Bozeman, MT (FHA\|USDA\|VA)	1	$225,000	$225,000	$3,395	3.13%
WARNER ROBINS, GA (FHA\|USDA\|VA)	2	$220,000	$110,000	$2,643	3.38%
EUGENE-SPRINGFIELD, OR (FHA\|USDA\|VA)	1	$215,000	$215,000	$3,320	3.00%
Paris, TN (FHA\|USDA\|VA)	2	$210,000	$105,000	$2,340	3.31%
London, KY (FHA\|USDA\|VA)	1	$205,000	$205,000	$2,634	3.88%
McMinnville, TN (FHA\|USDA\|VA)	1	$205,000	$205,000	$0	4.00%
Big Stone Gap, VA (FHA\|USDA\|VA)	1	$195,000	$195,000	$6,117	3.13%
LAFAYETTE-WEST LAFAYETTE, IN (FHA\|USDA\|VA)	1	$195,000	$195,000	$0	3.75%
Searcy, AR (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,993	3.75%
HOT SPRINGS, AR (FHA\|USDA\|VA)	1	$175,000	$175,000	$1,810	4.38%
Greeneville, TN (FHA\|USDA\|VA)	1	$165,000	$165,000	$2,054	3.38%
TRENTON-PRINCETON, NJ (FHA\|USDA\|VA)	1	$165,000	$165,000	$3,153	3.63%
Paducah, KY-IL (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	3.25%
SHEBOYGAN, WI (FHA\|USDA\|VA)	1	$155,000	$155,000	$2,070	3.00%
COLUMBUS, GA-AL (FHA\|USDA\|VA)	1	$155,000	$155,000	$6,015	2.13%
Minden, LA (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	4.00%
PEORIA, IL (FHA\|USDA\|VA)	1	$155,000	$155,000	$4,826	2.75%
Greenwood, MS (FHA\|USDA\|VA)	1	$155,000	$155,000	$2,838	3.38%
Paragould, AR (FHA\|USDA\|VA)	1	$135,000	$135,000	$2,123	4.00%
TOLEDO, OH (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	4.00%
PUNTA GORDA, FL (FHA\|USDA\|VA)	1	$135,000	$135,000	$2,826	3.25%
HOMOSASSA SPRINGS, FL (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	4.00%
GRAND RAPIDS-KENTWOOD, MI (FHA\|USDA\|VA)	1	$125,000	$125,000	$4,313	3.63%
Lumberton, NC (FHA\|USDA\|VA)	1	$115,000	$115,000	$2,380	3.75%
Corsicana, TX (FHA\|USDA\|VA)	1	$115,000	$115,000	$2,828	3.25%
Orangeburg, SC (FHA\|USDA\|VA)	1	$105,000	$105,000	$2,750	3.63%
JONESBORO, AR (FHA\|USDA\|VA)	1	$95,000	$95,000	$2,738	3.50%
Kill Devil Hills, NC (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	3.25%
Dyersburg, TN (FHA\|USDA\|VA)	1	$65,000	$65,000	$2,627	4.13%
JACKSONVILLE, NC (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	3.50%
Union City, TN (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	4.25%
SAGINAW, MI (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	4.00%
Dublin, GA (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	4.00%

Pinnacle Bank's top markets include Nashville, Memphis, Charlotte, Knoxville, and Chattanooga among others.

Their top states include:

Tennessee (FHA|USDA|VA)

North Carolina (FHA|USDA|VA)

South Carolina (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Virginia (FHA|USDA|VA)

Similar Lenders

We use machine learning to identify the top lenders compared against Pinnacle Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	7,638	$3,162,610,000	$414,063	$3,471	3.40%
HELOC	2,481	$503,815,000	$203,069	n/a	4.06%
FHA	350	$72,320,000	$206,629	$7,068	3.44%
VA	221	$78,175,000	$353,733	$7,113	2.88%
USDA	49	$9,165,000	$187,041	$4,913	3.51%

For 2020, Pinnacle Bank's most frequently originated type of loan was Conventional, with 7,638 originations. Their 2nd most popular type was HELOC, with 2,481 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	4,340	$1,843,030,000	$424,661	$4,063	3.55%
Refi	3,498	$1,410,190,000	$403,142	$3,349	3.27%
Other	1,075	$193,865,000	$180,340	$3,804	4.04%
Cash Out Refi	966	$254,660,000	$263,623	$3,741	3.50%
Home Improvement	860	$124,340,000	$144,581	$3,841	4.07%

For 2020, Pinnacle Bank's most frequently cited loan purpose was Home Purchase, with 4,340 originations. The 2nd most popular reason was Refi, with 3,498 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	6,012	$2,050,330,000	$341,040	$3,944	3.44%
20 Year	2,798	$577,660,000	$206,455	$3,084	3.98%
15 Year	1,242	$299,970,000	$241,522	$3,058	2.91%
10 Year	206	$215,860,000	$1,047,864	$2,986	3.28%
5 Year	199	$452,465,000	$2,273,693	$0	4.20%
Other	130	$128,440,000	$988,000	$3,002	3.73%
3 Year	84	$80,070,000	$953,214	$0	4.22%
1 Year	64	$19,590,000	$306,094	$0	4.32%
30+ year	4	$1,700,000	$425,000	$3,933	3.84%

For 2020, Pinnacle Bank's most frequently cited loan duration was 30 Year, with 6,012 originations. The 2nd most popular length was 20 Year, with 2,798 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	4,845	$1,637,175,000	$337,910
$1k-2k	1,651	$406,705,000	$246,339
$2k-3k	619	$169,415,000	$273,691
$3k-4k	264	$81,920,000	$310,303
$5k+	190	$122,680,000	$645,684
$4k-5k	126	$48,300,000	$383,333

Pinnacle Bank's average total fees were $3,944, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 4,845 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	6,328	$2,459,690,000	$388,699
2.5-3%	2,228	$734,360,000	$329,605
4-5%	1,424	$427,790,000	$300,414
<2.5%	501	$161,875,000	$323,104
5-6%	237	$41,215,000	$173,903
6-7%	20	$1,130,000	$56,500
7-8%	1	$25,000	$25,000

During 2020, Pinnacle Bank's average interest rate for loans was 3.44%, while their most frequently originated rate bucket for loans was 3-4%, with 6,328 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	3,991	$1,115,105,000	$279,405	$3,722	3.38%
$100k-200k	2,901	$429,325,000	$147,992	$3,203	3.59%
$100,000 or less	1,691	$103,435,000	$61,168	$2,510	4.00%
$400k-600k	1,336	$634,280,000	$474,760	$4,191	3.34%
$1MM+	417	$1,235,005,000	$2,961,643	$7,587	3.59%
$600k-1MM	403	$308,935,000	$766,588	$5,313	3.59%

2020 saw Pinnacle Bank place emphasis on $200k-400k loans with 3,991 originations, totaling $1,115,105,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$150k-250k	1,886	$571,040,000	$302,778	$3,759	3.58%
$100k-150k	1,803	$458,265,000	$254,168	$3,717	3.53%
$250k+	1,786	$1,000,290,000	$560,073	$4,792	3.59%
$50k-75k	1,757	$329,975,000	$187,806	$3,582	3.50%
$75k-100k	1,242	$276,030,000	$222,246	$3,522	3.49%
$50k or less	1,221	$174,095,000	$142,584	$3,423	3.50%

Pinnacle Bank lent most frequently to those with incomes in the $150k-250k range, with 1,886 originations. The second most popular income band? $100k-150k, with 1,803 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	2,712	$786,980,000	$290,184	$3,618	3.47%
30-36%	1,841	$537,845,000	$292,148	$3,690	3.51%
<20%	1,668	$531,560,000	$318,681	$3,399	3.44%
44%	476	$127,330,000	$267,500	$4,191	3.71%
43%	369	$105,385,000	$285,596	$3,735	3.56%
42%	357	$100,405,000	$281,246	$4,223	3.61%
41%	353	$95,985,000	$271,912	$3,892	3.58%
36%	346	$88,470,000	$255,694	$3,647	3.52%
37%	337	$88,605,000	$262,923	$3,953	3.58%
39%	315	$80,365,000	$255,127	$3,888	3.54%
40%	298	$92,340,000	$309,866	$3,922	3.57%
38%	293	$82,775,000	$282,509	$4,114	3.58%
45%	158	$40,960,000	$259,241	$3,646	3.42%
49%	142	$38,160,000	$268,732	$3,993	3.55%
47%	123	$32,255,000	$262,236	$3,289	3.59%
48%	123	$36,045,000	$293,049	$3,505	3.36%
46%	114	$30,430,000	$266,930	$3,662	3.37%
50-60%	81	$19,335,000	$238,704	$6,813	3.61%
>60%	15	$4,235,000	$282,333	$6,092	4.05%

Pinnacle Bank lent most frequently to those with DTI ratios of 20-30%, with 2,712 originations. The next most common DTI ratio? 30-36%, with 1,841 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	7,991	$2,391,675,000	$299,296	$3,671	3.45%
Not applicable	431	$865,715,000	$2,008,619	$0	4.13%
Not provided	1,379	$341,385,000	$247,560	$3,847	3.82%
Black	682	$154,300,000	$226,246	$4,404	3.79%
Asian	158	$45,860,000	$290,253	$4,086	3.41%
Asian Indian	30	$9,760,000	$325,333	$4,032	3.24%
American Indian	33	$8,625,000	$261,364	$3,542	3.61%
Other Asian	11	$2,485,000	$225,909	$3,295	3.58%
Korean	1	$1,205,000	$1,205,000	$5,678	3.38%
Native Hawaiian or Islander	5	$975,000	$195,000	$2,878	3.90%
Japanese	3	$965,000	$321,667	$3,424	3.58%
Other Pacific Islander	7	$935,000	$133,571	$2,220	3.79%
Chinese	2	$710,000	$355,000	$2,591	2.75%
Guamanian	1	$505,000	$505,000	$1,835	3.38%
Vietnamese	3	$495,000	$165,000	$0	3.50%
Filipino	2	$490,000	$245,000	$2,275	3.94%

Approval Rates

Total approvals of all applications
93.14%

Pinnacle Bank has an average approval rate.

Pick Rate

Approvals leading to origination
80.58%

Pinnacle Bank has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	10,739	$3,826,085,000	$356,279

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Manufactured	4	$1,820,000	$455,000
Multifamily:Site-Built	188	$805,670,000	$4,285,479
Single Family (1-4 Units):Manufactured	6	$500,000	$83,333
Single Family (1-4 Units):Site-Built	10,541	$3,018,095,000	$286,320

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	1,243	$260,935,000	$209,924	$3,061	3.74%
40-60%	1,707	$798,925,000	$468,029	$3,282	3.26%
60-80%	3,446	$1,559,310,000	$452,499	$3,526	3.47%
80-100%	3,141	$1,086,505,000	$345,911	$4,200	3.55%
Over 100%	54	$20,830,000	$385,741	$11,681	3.08%
Under 20%	1,148	$99,580,000	$86,742	$1,436	4.01%

Complaints

Bank Name	Product	Issue	2020 CPFB Complaints	% of Total Issues
PINNACLE FINANCIAL PARTNERS, INC.	Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	1	25.0%
PINNACLE FINANCIAL PARTNERS, INC.	Conventional home mortgage	Trouble during payment process	1	25.0%
PINNACLE FINANCIAL PARTNERS, INC.	FHA mortgage	Incorrect information on your report	1	25.0%
PINNACLE FINANCIAL PARTNERS, INC.	Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	1	25.0%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Pinnacle Bank	10 Church Street Cleveland, TN 37311	Full Service B&M	$168,104
Pinnacle Bank	1000 William Hilton Parkway Hilton Head Island, SC 29928	Full Service B&M	$57,634
Pinnacle Bank	1003 Hardy Road Vinton, VA 24179	Full Service B&M	$27,630
Pinnacle Bank	102 South Street Locust, NC 28097	Full Service B&M	$79,245
Pinnacle Bank	1028 Eastchester Dr High Point, NC 27262	Full Service B&M	$39,810
Pinnacle Bank	103 North Second Street Albemarle, NC 28001	Full Service B&M	$172,219
Pinnacle Bank	108 Gateway Boulevard, Suite 101 Mooresville, NC 28117	Full Service B&M	$191,807
Pinnacle Bank	111 Tenth Avenue South Nashville, TN 37203	Full Service B&M	$42,947
Pinnacle Bank	1111 Northshore Dr. Ste S130 Knoxville, TN 37919	Full Service B&M	$1,490,705
Pinnacle Bank	113 Trindale Road Archdale, NC 27263	Full Service B&M	$81,803
Pinnacle Bank	114 West College Street Murfreesboro, TN 37130	Full Service B&M	$908,556
Pinnacle Bank	115 E Center St Lexington, NC 27292	Full Service B&M	$48,120
Pinnacle Bank	1203 Martin Luther King, Jr. Blvd Chapel Hill, NC 27514	Full Service B&M	$74,688
Pinnacle Bank	123 Cason Lane Murfreesboro, TN 37128	Full Service B&M	$101,405
Pinnacle Bank	1264 Germantown Road Germantown, TN 38138	Full Service B&M	$60,219
Pinnacle Bank	128 Franklin Road Brentwood, TN 37027	Full Service B&M	$422,826
Pinnacle Bank	1300 East Hartley Drive High Point, NC 27265	Limited, Administrative	$0
Pinnacle Bank	1327 Grandin Road Roanoke, VA 24015	Full Service B&M	$19,889
Pinnacle Bank	134 Meeting Street, Suite 201 Charleston, SC 29401	Full Service B&M	$45,349
Pinnacle Bank	1412 West Baddour Parkway Lebanon, TN 37087	Full Service B&M	$39,482
Pinnacle Bank	1420 East Third Street Charlotte, NC 28204	Full Service B&M	$195,990
Pinnacle Bank	1431 New Garden Road Greensboro, NC 27410	Full Service B&M	$30,245
Pinnacle Bank	150 3rd Avenue South Nashville, TN 37201	Full Service B&M	$8,269,186
Pinnacle Bank	15025 Ballancroft Pkwy Charlotte, NC 28277	Full Service B&M	$122,786
Pinnacle Bank	1503 Old Towne Road Charleston, SC 29407	Full Service B&M	$74,615
Pinnacle Bank	1518 Hershberger Road Roanoke, VA 24012	Full Service B&M	$22,148
Pinnacle Bank	1520 East Emory Road Knoxville, TN 37938	Full Service B&M	$59,229
Pinnacle Bank	155 Rozelle Street Memphis, TN 38104	Full Service B&M	$4,569
Pinnacle Bank	1610 Graves Mill Road, Suite B Lynchburg, VA 24502	Full Service B&M	$12,060
Pinnacle Bank	1645 Northwest Broad Street Murfreesboro, TN 37129	Full Service B&M	$13,499
Pinnacle Bank	1700 Dickerson Blvd Monroe, NC 28110	Full Service B&M	$77,702
Pinnacle Bank	1717 Mallory Lane Brentwood, TN 37027	Full Service B&M	$198,121
Pinnacle Bank	1745 Memorial Blvd Murfreesboro, TN 37129	Full Service B&M	$58,203
Pinnacle Bank	175 North Fayetteville Street Asheboro, NC 27203	Full Service B&M	$155,816
Pinnacle Bank	1810 North Peace Haven Road Winston Salem, NC 27104	Full Service B&M	$13,462
Pinnacle Bank	1813 Westchester Drive High Point, NC 27262	Full Service B&M	$74,684
Pinnacle Bank	1999 Hendersonville Road Asheville, NC 28803	Full Service B&M	$39,058
Pinnacle Bank	202 Campbell Ave., Se Roanoke, VA 24013	Full Service B&M	$440,500
Pinnacle Bank	203 N. Main Street Summerville, SC 29483	Full Service B&M	$65,365
Pinnacle Bank	2035 Se Broad Murfreesboro, TN 37130	Full Service B&M	$75,798
Pinnacle Bank	211 Broad Street Kernersville, NC 27285	Full Service B&M	$58,317
Pinnacle Bank	215 Harvey Street Winston Salem, NC 27103	Full Service B&M	$289,081
Pinnacle Bank	216 South Royal Oaks Boulevard Franklin, TN 37064	Full Service B&M	$158,066
Pinnacle Bank	220 North Wrenn Street High Point, NC 27260	Limited, Drive-thru	$0
Pinnacle Bank	2201 North Elm Street Greensboro, NC 27408	Full Service B&M	$172,018
Pinnacle Bank	2203 Crystal Spring Avenue, S.W. Roanoke, VA 24014	Full Service B&M	$35,093
Pinnacle Bank	2300 West End Avenue Nashville, TN 37203	Full Service B&M	$400,340
Pinnacle Bank	231 Jackson Square Oak Ridge, TN 37830	Full Service B&M	$134,886
Pinnacle Bank	2312 Bridgeport Drive Raleigh, NC 27613	Full Service B&M	$22,419
Pinnacle Bank	241 Brooklawn Street Knoxville, TN 37934	Full Service B&M	$152,297
Pinnacle Bank	2415 Laurens Road Greenville, SC 29607	Full Service B&M	$22,963
Pinnacle Bank	2604 South Church Street Murfreesboro, TN 37128	Full Service B&M	$52,861
Pinnacle Bank	2630 Eastchester Drive High Point, NC 27265	Full Service B&M	$125,458
Pinnacle Bank	270 East Main Street Hendersonville, TN 37075	Full Service B&M	$203,251
Pinnacle Bank	271 Copperfield Blvd Concord, NC 28025	Full Service B&M	$116,353
Pinnacle Bank	2753 Maybank Highway Johns Island, SC 29455	Full Service B&M	$39,075
Pinnacle Bank	280 South Mangum Street, Suite 140 Durham, NC 27701	Full Service B&M	$87,214
Pinnacle Bank	2800 South Main Street High Point, NC 27263	Full Service B&M	$66,564
Pinnacle Bank	2833 Bransford Avenue Nashville, TN 37204	Full Service B&M	$75,893
Pinnacle Bank	300 North Main Street High Point, NC 27261	Full Service B&M	$598,665
Pinnacle Bank	3064 Dick Pond Road Myrtle Beach, SC 29588	Full Service B&M	$46,300
Pinnacle Bank	3239 South Church Street Burlington, NC 27215	Full Service B&M	$70,424
Pinnacle Bank	329 Folly Road Charleston, SC 29412	Full Service B&M	$29,877
Pinnacle Bank	3305 South Morgan's Point Mount Pleasant, SC 29466	Full Service B&M	$43,930
Pinnacle Bank	3333 Riverwood Parkway, Suite 110 Atlanta, GA 30339	Full Service B&M	$29,041
Pinnacle Bank	3515 Glenwood Ave Raleigh, NC 27612	Full Service B&M	$385,925
Pinnacle Bank	3751 Robert M. Grissom Parkway Suite 100 Myrtle Beach, SC 29577	Full Service B&M	$168,245
Pinnacle Bank	3823 Cleghorn Avenue Nashville, TN 37215	Full Service B&M	$413,524
Pinnacle Bank	3900 Pelham Road Greenville, SC 29615	Full Service B&M	$21,844
Pinnacle Bank	4003 Challenger Avenue Roanoke, VA 24012	Full Service B&M	$29,390
Pinnacle Bank	411 South Cumberland Street Lebanon, TN 37087	Full Service B&M	$255,556
Pinnacle Bank	415 Jake Alexander Boulevard Salisbury, NC 28147	Full Service B&M	$65,210
Pinnacle Bank	424 Donelson Pike Nashville, TN 37214	Full Service B&M	$132,321
Pinnacle Bank	425 11th Ave. North Nashville, TN 37203	Full Service B&M	$351,674
Pinnacle Bank	4328 Harding Pike Nashville, TN 37205	Full Service B&M	$213,172
Pinnacle Bank	4351 Main Street, Suite 105 Harrisburg, NC 28075	Full Service B&M	$67,445
Pinnacle Bank	4445 Poplar Ave Memphis, TN 38117	Full Service B&M	$55,408
Pinnacle Bank	4467 Starkey Road Southwest Roanoke, VA 24014	Full Service B&M	$78,457
Pinnacle Bank	4525 Falls Of Neuse Road Raleigh, NC 27609	Full Service B&M	$53,614
Pinnacle Bank	467 Sam Ridley Pkwy Smyrna, TN 37167	Full Service B&M	$53,256
Pinnacle Bank	4725 Sw Cary Parkway Cary, NC 27513	Full Service B&M	$23,852
Pinnacle Bank	501 Hwy 46 South Dickson, TN 37055	Full Service B&M	$80,148
Pinnacle Bank	5019 North Broadway Street Knoxville, TN 37918	Full Service B&M	$111,304
Pinnacle Bank	524 South Main Street Ashland City, TN 37015	Full Service B&M	$156,793
Pinnacle Bank	530 Johnnie Dodds Boulevard Mount Pleasant, SC 29464	Full Service B&M	$349,735
Pinnacle Bank	531 East Main Street Spartanburg, SC 29302	Full Service B&M	$61,488
Pinnacle Bank	550 E Mcbee Avenue Greenville, SC 29601	Full Service B&M	$185,111
Pinnacle Bank	551 North Mt. Juliet Road Mount Juliet, TN 37122	Full Service B&M	$136,833
Pinnacle Bank	5544 Little Debbie Parkway Ooltewah, TN 37363	Full Service B&M	$5,636
Pinnacle Bank	5925 Farrington Road Chapel Hill, NC 27517	Full Service B&M	$97,664
Pinnacle Bank	597 Old Mt. Holly Road Goose Creek, SC 29445	Full Service B&M	$26,643
Pinnacle Bank	5980 Fairview Road Charlotte, NC 28210	Full Service Retail	$362,221
Pinnacle Bank	604 N Main St Shelbyville, TN 37160	Full Service B&M	$97,854
Pinnacle Bank	6180 Shallowford Road Chattanooga, TN 37421	Full Service B&M	$32,628
Pinnacle Bank	6355 Old Us Hwy 52 Lexington, NC 27295	Full Service B&M	$58,582
Pinnacle Bank	6602 Calhoun Memorial Highway Easley, SC 29640	Full Service B&M	$51,772
Pinnacle Bank	69 South Lowry Smyrna, TN 37167	Full Service B&M	$66,978
Pinnacle Bank	7040 Carothers Parkway Franklin, TN 37067	Full Service B&M	$295,677
Pinnacle Bank	707 Green Valley Rd Greensboro, NC 27408	Full Service B&M	$280,819
Pinnacle Bank	710 Highway 17 North North Myrtle Beach, SC 29582	Full Service B&M	$36,975
Pinnacle Bank	7651 Highway 70 South Nashville, TN 37221	Full Service B&M	$166,891
Pinnacle Bank	787-H East Butler Road Mauldin, SC 29662	Full Service B&M	$24,043
Pinnacle Bank	8 East Main Street Salem, VA 24153	Full Service B&M	$99,163
Pinnacle Bank	801 Broad Street Chattanooga, TN 37402	Full Service B&M	$1,248,756
Pinnacle Bank	802 Savannah Highway Charleston, SC 29407	Full Service B&M	$33,388
Pinnacle Bank	831 Julian Avenue Thomasville, NC 27360	Full Service B&M	$543,523
Pinnacle Bank	837 West Lamar Alexander Parkway Maryville, TN 37801	Full Service B&M	$125,331
Pinnacle Bank	8420 Dorchester Road Charleston, SC 29420	Full Service B&M	$20,037
Pinnacle Bank	847 Conference Drive Goodlettsville, TN 37072	Full Service B&M	$386,193
Pinnacle Bank	854 East Dixie Drive Asheboro, NC 27203	Full Service B&M	$64,432
Pinnacle Bank	894 Germantown Pkwy, Suite 4 Cordova, TN 38018	Full Service B&M	$43,848
Pinnacle Bank	9057 Poplar Avenue Germantown, TN 38138	Full Service B&M	$47,083
Pinnacle Bank	949 Shady Grove Road Memphis, TN 38130	Full Service B&M	$1,014,731
Pinnacle Bank	9603 Kingston Pike Knoxville, TN 37922	Full Service B&M	$61,162

For 2020, Pinnacle Bank had 114 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$1,023,143
Net interest income	$844,143
Total noninterest income	$282,300
Gross Fiduciary activities income	$16,263
Service charges on deposit accounts	$25,844
Trading account gains and fees	$-1,109
Additional Noninterest Income	$241,302
Pre-tax net operating income	$387,255
Securities gains (or losses, -)	$1,487
Income before extraordinary items	$324,408
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$324,408
Minority interest net income	$16
Net income	$324,392
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$323,173

Pinnacle Bank's gross interest income from loans was $1,023,143,000.
Pinnacle Bank's net interest income from loans was $844,143,000.
Pinnacle Bank's fee based income from loans was $25,844,000.
Pinnacle Bank's net income from loans was $324,392,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$179,000
Provision for credit losses	$191,734
Total noninterest expense	$547,454
Salaries and employee benefits	$315,556
Premises and equipment expense	$52,321
Additional noninterest expense	$179,577
Applicable income taxes	$64,334
Net charge-offs	$39,371
Cash dividends	$119,065

Pinnacle Bank's interest expense for loans was $179,000,000.
Pinnacle Bank's payroll and benefits expense were $315,556,000.
Pinnacle Bank's property, plant and equipment expenses $52,321,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	0.0%
Real Estate loans	0.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	0.0%
Multifamily residential loans	0.0%
1-4 family residential loans	0.0%
HELOC loans	0.0%
All other family	0.0%
Commercial & industrial loans	0.0%
Personal loans	0.0%
Credit card loans	0.8%
Other individual loans	0.0%
Auto loans	0.0%
Other consumer loans	0.0%
Unsecured commercial real estate loans	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$27,989,404
Deposits held in domestic offices	$27,989,404
Deposits by Individuals, partnerships, and corporations	$26,621,203
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$1,331,846
Deposits by Commercial banks and other depository institutions in U.S.	$36,355
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$3,427,493
Demand deposits	$3,390,404
Nontransaction accounts	$24,561,911
Money market deposit accounts (MMDAs)	$10,414,893
Other savings deposits (excluding MMDAs)	$10,622,386
Total time deposits	$3,524,632
Total time and savings deposits	$24,599,000
Noninterest-bearing deposits	$7,399,563
Interest-bearing deposits	$20,589,841
Retail deposits	$23,828,236
IRAs and Keogh plan accounts	$742,252
Brokered deposits	$3,472,083
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$34,775,324
Cash & Balances due from depository institutions	$3,949,226
Interest-bearing balances	$3,745,930
Total securities	$4,637,602
Federal funds sold & reverse repurchase	$12,141
Net loans and leases	$22,258,472
Loan and leases loss allowance	$285,050
Trading account assets	$101,602
Bank premises and fixed assets	$373,669
Other real estate owned	$8,542
Goodwill and other intangibles	$1,842,008
All other assets	$1,592,062

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$34,775,324
Total Liabilities	$29,803,041
Total deposits	$27,989,404
Interest-bearing deposits	$20,589,841
Deposits held in domestic offices	$27,989,404
% insured (estimated)	$63
Federal funds purchased and repurchase agreements	$128,164
Trading liabilities	$102,919
Other borrowed funds	$1,090,927
Subordinated debt	$129,289
All other liabilities	$362,338

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$22,258,472
Loan and leases loss allowance	$285,050
Total loans and leases (domestic)	$22,543,522
All real estate loans	$14,099,632
Real estate loans in domestic offices	$14,099,632
Construction and development loans	$2,901,746
Residential 1-4 family construction	$514,819
Other construction, all land development and other land	$2,386,927
Loans secured by nonfarm nonresidential properties	$7,367,267
Nonfarm nonresidential secured by owner-occupied properties	$2,802,227
Commercial real estate & other non-farm, non-residential	$4,565,040
Multifamily residential real estate	$663,664
1-4 family residential loans	$3,145,528
Farmland loans	$21,427
Loans held in foreign offices	$0
Farm loans	$3,569
Commercial and industrial loans	$7,111,897
To non-U.S. addressees	$78,806
Loans to individuals	$399,552
Credit card loans	$37,747
Related Plans	$140,707
Consumer Auto Loans	$24,910
Other loans to individuals	$196,188
All other loans & leases	$928,872
Loans to foreign governments and official institutions	$0
Other loans	$554,784
Loans to depository institutions and acceptances of other banks	$0
Loans not secured by real estate	$475,339
Loans secured by real estate to non-U.S. addressees	$3,258
Restructured Loans & leases	$2,494
Non 1-4 family restructured loans & leases	$180
Total loans and leases (foreign)	$0

Pinnacle Bank had $22,258,472,000 of loans outstanding in 2020. $14,099,632,000 of loans were in real estate loans. $2,901,746,000 of loans were in development loans. $663,664,000 of loans were in multifamily mortgage loans. $3,145,528,000 of loans were in 1-4 family mortgage loans. $3,569,000 of loans were in farm loans. $37,747,000 of loans were in credit card loans. $24,910,000 of loans were in the auto loan category.

Small Business Loans

Categorization	# of Loans in Category	$ amount of loans (in 000's)	Average $/loan
Nonfarm, nonresidential loans - <$1MM	4,296	$1,281,825	$298,376
Nonfarm, nonresidential loans - <$100k	418	$20,669	$49,447
Nonfarm, nonresidential loans - $100-250k	1,229	$159,801	$130,025
Nonfarm, nonresidential loans - $250k-1MM	2,649	$1,101,355	$415,763
Commercial & Industrial, US addressed loans - <$1MM	25,242	$2,124,544	$84,167
Commercial & Industrial, US addressed loans - <$100k	16,513	$451,660	$27,352
Commercial & Industrial, US addressed loans - $100-250k	4,936	$534,306	$108,247
Commercial & Industrial, US addressed loans - $250k-1MM	3,793	$1,138,578	$300,179
Farmland loans - <$1MM	63	$8,785	$139,444
Farmland loans - <$100k	22	$1,037	$47,136
Farmland loans - $100-250k	24	$2,922	$121,750
Farmland loans - $250k-1MM	17	$4,826	$283,882
Agriculture operations loans - <$1MM	9	$364	$40,444
Agriculture operations loans - <$100k	7	$212	$30,286
Agriculture operations loans - $100-250k	1	$1	$1,000
Agriculture operations loans - $250k-1MM	1	$151	$151,000