Pinnacle Bank Mortgage Rates, Fees & Info
Nashville, TNLEI: 549300CDOC4F7XSRG390
Tax ID: 62-1829917
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Mortgage Data
Review & Overview
Pinnacle Bank is a mid-sized bank specializing in Home Purchase 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, Charlotte, Knoxville, Memphis, and Chattanooga among others. We have data for 211 markets. (Some data included below & more in-depth data is available with an active subscription.)Pinnacle Bank has an 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 an average 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% | 9/1/24 |
| 30 Year Conventional Purchase | 6.50% | 9/1/24 |
| 30 Year Conventional Refi | 6.39% | 9/1/24 |
| 30 Year Cash-out Refi | 6.61% | 9/1/24 |
| 30 Year FHA Purchase | 7.05% | 9/1/24 |
| 30 Year VA Purchase | 6.19% | 9/1/24 |
| 30 Year VA Refi | 6.27% | 9/1/24 |
| 30 Year USDA Purchase | 6.62% | 9/1/24 |
| 30 Year USDA Refi | 6.68% | 9/1/24 |
| 15 Year Conventional Purchase | 5.92% | 9/1/24 |
| 15 Year Conventional Refi | 6.01% | 9/1/24 |
| 15 Year Cash-out Refi | 6.01% | 9/1/24 |
| 15 Year VA Purchase | 5.68% | 9/1/24 |
| 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
8,443Origination Dollar Volume (All Markets)
$3,755,805,000Awards
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Pinnacle Bank - 2022
Pinnacle Bank is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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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) | 2,583 | $1,104,825,000 | $427,729 | $5,885 | 4.83% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 617 | $349,805,000 | $566,945 | $5,175 | 4.77% |
| KNOXVILLE, TN (FHA|USDA|VA) | 659 | $300,575,000 | $456,108 | $5,417 | 4.79% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 969 | $261,595,000 | $269,964 | $5,110 | 4.99% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 408 | $126,120,000 | $309,118 | $5,274 | 4.80% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 244 | $112,850,000 | $462,500 | $6,130 | 5.19% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 303 | $104,625,000 | $345,297 | $3,711 | 4.82% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 372 | $102,610,000 | $275,833 | $4,616 | 5.04% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 273 | $99,735,000 | $365,330 | $4,524 | 4.79% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 98 | $87,020,000 | $887,959 | $4,474 | 4.42% |
| ASHEVILLE, NC (FHA|USDA|VA) | 24 | $73,520,000 | $3,063,333 | $4,959 | 4.43% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 12 | $68,430,000 | $5,702,500 | $8,510 | 5.16% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 231 | $67,235,000 | $291,061 | $4,391 | 4.99% |
| Outside of Metro Areas | 153 | $55,765,000 | $364,477 | $4,955 | 4.81% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 82 | $51,870,000 | $632,561 | $4,215 | 4.90% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 84 | $46,560,000 | $554,286 | $3,985 | 4.81% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 37 | $43,695,000 | $1,180,946 | $8,612 | 4.58% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 55 | $43,285,000 | $787,000 | $4,786 | 4.85% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 3 | $37,215,000 | $12,405,000 | $0 | 3.88% |
| ROANOKE, VA (FHA|USDA|VA) | 142 | $30,220,000 | $212,817 | $4,479 | 4.81% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 13 | $28,635,000 | $2,202,692 | $5,361 | 4.41% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 7 | $24,035,000 | $3,433,571 | $0 | 4.27% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 6 | $23,140,000 | $3,856,667 | $6,267 | 3.79% |
| MONTGOMERY, AL (FHA|USDA|VA) | 4 | $19,200,000 | $4,800,000 | $5,661 | 4.04% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 77 | $19,025,000 | $247,078 | $4,786 | 4.98% |
| Sevierville, TN (FHA|USDA|VA) | 36 | $17,410,000 | $483,611 | $7,111 | 5.14% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 4 | $15,550,000 | $3,887,500 | $0 | 4.81% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 31 | $15,205,000 | $490,484 | $6,343 | 5.05% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 4 | $15,000,000 | $3,750,000 | $9,351 | 4.54% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 35 | $14,785,000 | $422,429 | $5,314 | 4.63% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 9 | $14,345,000 | $1,593,889 | $3,648 | 4.56% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 18 | $10,570,000 | $587,222 | $7,829 | 5.07% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 4 | $10,350,000 | $2,587,500 | $0 | 3.35% |
| Albemarle, NC (FHA|USDA|VA) | 69 | $9,925,000 | $143,841 | $3,544 | 4.58% |
| CLEVELAND, TN (FHA|USDA|VA) | 31 | $9,885,000 | $318,871 | $6,398 | 5.24% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 31 | $9,505,000 | $306,613 | $6,471 | 4.94% |
| BURLINGTON, NC (FHA|USDA|VA) | 38 | $8,810,000 | $231,842 | $4,396 | 4.96% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 20 | $8,470,000 | $423,500 | $7,444 | 5.28% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 3 | $8,065,000 | $2,688,333 | $10,592 | 4.20% |
| SPARTANBURG, SC (FHA|USDA|VA) | 48 | $7,860,000 | $163,750 | $3,526 | 5.23% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $7,110,000 | $3,555,000 | $0 | 4.14% |
| Cookeville, TN (FHA|USDA|VA) | 18 | $7,100,000 | $394,444 | $4,628 | 4.74% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 32 | $7,020,000 | $219,375 | $4,392 | 5.41% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $6,785,000 | $6,785,000 | $0 | 3.45% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 8 | $6,540,000 | $817,500 | $7,595 | 4.23% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 4 | $6,470,000 | $1,617,500 | $5,427 | 4.87% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $6,275,000 | $6,275,000 | $0 | 4.40% |
| Lewisburg, TN (FHA|USDA|VA) | 24 | $6,140,000 | $255,833 | $4,016 | 4.69% |
| Boone, NC (FHA|USDA|VA) | 9 | $6,085,000 | $676,111 | $5,439 | 4.13% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $5,890,000 | $2,945,000 | $0 | 4.51% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 5 | $5,765,000 | $1,153,000 | $8,266 | 4.68% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 9 | $5,645,000 | $627,222 | $5,016 | 4.49% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 19 | $5,625,000 | $296,053 | $4,032 | 5.11% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 38 | $5,570,000 | $146,579 | $3,364 | 5.71% |
| PANAMA CITY, FL (FHA|USDA|VA) | 11 | $5,425,000 | $493,182 | $7,251 | 5.00% |
| Shelbyville, TN (FHA|USDA|VA) | 20 | $5,270,000 | $263,500 | $6,059 | 4.82% |
| Cullowhee, NC (FHA|USDA|VA) | 6 | $5,040,000 | $840,000 | $5,360 | 4.29% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $4,765,000 | $1,588,333 | $5,389 | 5.21% |
| NILES, MI (FHA|USDA|VA) | 1 | $4,715,000 | $4,715,000 | $0 | 4.97% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 7 | $4,525,000 | $646,429 | $3,732 | 5.39% |
| JACKSON, MS (FHA|USDA|VA) | 3 | $4,485,000 | $1,495,000 | $8,829 | 4.22% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $4,305,000 | $4,305,000 | $0 | 3.50% |
| Brevard, NC (FHA|USDA|VA) | 5 | $4,275,000 | $855,000 | $5,345 | 4.40% |
| Morehead City, NC (FHA|USDA|VA) | 10 | $4,040,000 | $404,000 | $6,963 | 4.73% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 5 | $3,935,000 | $787,000 | $7,304 | 4.10% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 8 | $3,930,000 | $491,250 | $5,144 | 5.45% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $3,905,000 | $3,905,000 | $0 | 4.49% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $3,805,000 | $3,805,000 | $0 | 4.65% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $3,790,000 | $1,895,000 | $0 | 3.52% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $3,730,000 | $1,865,000 | $3,991 | 6.06% |
| COLUMBIA, SC (FHA|USDA|VA) | 15 | $3,665,000 | $244,333 | $3,637 | 5.29% |
| Snyder, TX (FHA|USDA|VA) | 1 | $3,545,000 | $3,545,000 | $0 | 3.68% |
| Seneca, SC (FHA|USDA|VA) | 7 | $3,545,000 | $506,429 | $3,617 | 3.86% |
| Heber, UT (FHA|USDA|VA) | 2 | $3,280,000 | $1,640,000 | $5,320 | 4.81% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 2 | $3,170,000 | $1,585,000 | $12,147 | 4.63% |
| LYNCHBURG, VA (FHA|USDA|VA) | 22 | $3,090,000 | $140,455 | $5,401 | 5.10% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 8 | $3,090,000 | $386,250 | $6,211 | 3.91% |
| SAVANNAH, GA (FHA|USDA|VA) | 6 | $3,070,000 | $511,667 | $6,063 | 5.50% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 10 | $3,070,000 | $307,000 | $5,445 | 5.05% |
| RICHMOND, VA (FHA|USDA|VA) | 6 | $2,910,000 | $485,000 | $4,720 | 4.94% |
| LOUISVILLE, KY (FHA|USDA|VA) | 6 | $2,900,000 | $483,333 | $5,814 | 5.00% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 4 | $2,880,000 | $720,000 | $3,842 | 4.34% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 9 | $2,875,000 | $319,444 | $5,347 | 5.14% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $2,825,000 | $941,667 | $5,826 | 5.00% |
| WILMINGTON, NC (FHA|USDA|VA) | 6 | $2,740,000 | $456,667 | $5,110 | 3.98% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 4 | $2,720,000 | $680,000 | $4,914 | 5.28% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $2,590,000 | $1,295,000 | $6,718 | 4.57% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $2,520,000 | $1,260,000 | $4,775 | 5.88% |
| Key West, FL (FHA|USDA|VA) | 3 | $2,515,000 | $838,333 | $7,877 | 4.17% |
| DALTON, GA (FHA|USDA|VA) | 3 | $2,445,000 | $815,000 | $6,082 | 4.96% |
| Georgetown, SC (FHA|USDA|VA) | 4 | $2,300,000 | $575,000 | $3,766 | 4.88% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $2,275,000 | $2,275,000 | $0 | 4.08% |
| Holland, MI (FHA|USDA|VA) | 1 | $2,265,000 | $2,265,000 | $28,763 | 3.50% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $2,255,000 | $2,255,000 | $0 | 4.14% |
| Forest City, NC (FHA|USDA|VA) | 6 | $2,210,000 | $368,333 | $3,948 | 5.40% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $2,205,000 | $2,205,000 | $3,704 | 5.00% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 10 | $2,060,000 | $206,000 | $3,649 | 5.10% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 5 | $2,055,000 | $411,000 | $3,299 | 5.23% |
| MORRISTOWN, TN (FHA|USDA|VA) | 9 | $2,045,000 | $227,222 | $6,283 | 4.14% |
| Oxford, MS (FHA|USDA|VA) | 11 | $1,785,000 | $162,273 | $5,383 | 4.78% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 4 | $1,600,000 | $400,000 | $3,703 | 3.91% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $1,585,000 | $528,333 | $6,690 | 5.08% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $1,510,000 | $755,000 | $3,313 | 4.69% |
| Cullman, AL (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $5,045 | 3.25% |
| JACKSON, TN (FHA|USDA|VA) | 6 | $1,500,000 | $250,000 | $3,167 | 4.44% |
| El Campo, TX (FHA|USDA|VA) | 1 | $1,485,000 | $1,485,000 | $0 | 4.64% |
| Danville, VA (FHA|USDA|VA) | 3 | $1,455,000 | $485,000 | $3,407 | 4.79% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 7 | $1,235,000 | $176,429 | $2,780 | 4.68% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $1,225,000 | $1,225,000 | $0 | 4.67% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $1,205,000 | $1,205,000 | $0 | 4.79% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $6,935 | 6.38% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $1,125,000 | $1,125,000 | $5,351 | 5.63% |
| Union, SC (FHA|USDA|VA) | 2 | $1,110,000 | $555,000 | $8,662 | 5.13% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $1,105,000 | $1,105,000 | $0 | 4.17% |
| TULSA, OK (FHA|USDA|VA) | 1 | $1,095,000 | $1,095,000 | $0 | 4.47% |
| Crossville, TN (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $5,583 | 4.66% |
| HARRISONBURG, VA (FHA|USDA|VA) | 2 | $1,020,000 | $510,000 | $3,882 | 3.36% |
| North Wilkesboro, NC (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $0 | 5.00% |
| Edwards, CO (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $3,764 | 4.25% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $5,073 | 3.94% |
| Orangeburg, SC (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $4,014 | 4.50% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $3,978 | 4.94% |
| Greenwood, SC (FHA|USDA|VA) | 5 | $855,000 | $171,000 | $0 | 4.48% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $795,000 | $795,000 | $0 | 6.25% |
| Martinsville, VA (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $5,340 | 4.63% |
| McMinnville, TN (FHA|USDA|VA) | 5 | $775,000 | $155,000 | $4,670 | 3.53% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $3,659 | 5.50% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $3,302 | 6.00% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $3,124 | 4.25% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $3,546 | 5.25% |
| Lawrenceburg, TN (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $5,214 | 5.56% |
| Athens, TN (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $3,610 | 5.06% |
| Moultrie, GA (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $4,754 | 3.88% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $0 | 4.25% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $0 | 7.38% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $5,112 | 5.63% |
| Mount Airy, NC (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $5,028 | 5.06% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $3,251 | 5.25% |
| DECATUR, AL (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $2,892 | 5.63% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $5,972 | 4.50% |
| CHICO, CA (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $3,906 | 4.50% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $2,683 | 5.38% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $5,701 | 5.75% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $5,454 | 3.50% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $16,667 | 4.75% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $6,849 | 5.13% |
| Scottsboro, AL (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $15,363 | 3.38% |
| West Point, MS (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $3,383 | 4.50% |
| GAINESVILLE, GA (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $0 | 4.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $2,250 | 4.75% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,820 | 4.81% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,555 | 3.25% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,371 | 4.75% |
| Rockingham, NC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $11,267 | 6.13% |
| Tupelo, MS (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,378 | 5.38% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 4.00% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,239 | 6.38% |
| Marion, NC (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $0 | 3.50% |
| Dayton, TN (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 6.25% |
| Shelton, WA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $8,196 | 6.50% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $5,350 | 5.63% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,894 | 4.88% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $6,278 | 4.88% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,728 | 5.50% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $5,096 | 3.88% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,582 | 5.88% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,234 | 4.81% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,358 | 4.38% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,726 | 3.38% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,188 | 3.38% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $6,552 | 5.00% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,962 | 3.50% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,929 | 5.75% |
| Ozark, AL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,467 | 4.88% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,106 | 3.88% |
| Albertville, AL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,459 | 5.75% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,185 | 5.75% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 5.50% |
| Blytheville, AR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,743 | 5.00% |
| Jefferson, GA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $0 | 6.38% |
| New Ulm, MN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,403 | 5.50% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 5.50% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,559 | 4.25% |
| Eufaula, AL-GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,268 | 6.00% |
| Bluefield, WV-VA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,547 | 3.88% |
| Shelby, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,028 | 3.13% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,115 | 6.50% |
| OCALA, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,934 | 5.25% |
| SALEM, OR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,479 | 5.38% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,478 | 2.38% |
| Brownsville, TN (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $2,773 | 4.69% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,909 | 6.50% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.75% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 6.50% |
| DANVILLE, IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,374 | 5.88% |
| Greenville, MS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,415 | 3.63% |
| Martin, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 5.88% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.00% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,982 | 5.88% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.25% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.00% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,663 | 4.88% |
| Searcy, AR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,651 | 3.00% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 6.13% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 7.75% |
| Batavia, NY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,817 | 4.13% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.00% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 3.25% |
| Washington, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.50% |
| Newberry, SC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 3.75% |
| Sikeston, MO (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,191 | 5.75% |
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Product Mix
For 2022, Pinnacle Bank's most frequently originated type of loan was Conventional, with 4,345 originations. Their 2nd most popular type was HELOC, with 3,906 originations.
Loan Reason
For 2022, Pinnacle Bank's most frequently cited loan purpose was Home Purchase, with 3,432 originations. The 2nd most popular reason was Home Improvement, with 1,823 originations.
Loan Duration/Length
For 2022, Pinnacle Bank's most frequently cited loan duration was 20 Year, with 3,979 originations. The 2nd most popular length was 30 Year, with 3,526 originations.
Origination Fees/Closing Costs
Pinnacle Bank's average total fees were $5,467, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,737 originations.
Interest Rates
During 2022, Pinnacle Bank's average interest rate for loans was 4.83%, while their most frequently originated rate bucket for loans was 3-4%, with 2,623 originations.
Loan Sizing
2022 saw Pinnacle Bank place emphasis on $200k-400k loans with 2,456 originations, totaling $690,270,000 in origination value.
Applicant Income
Pinnacle Bank lent most frequently to those with incomes in the $250k+ range, with 1,882 originations. The second most popular income band? $150k-250k, with 1,580 originations.
Applicant Debt to Income Ratio
Pinnacle Bank lent most frequently to those with DTI ratios of 20-30%, with 1,795 originations. The next most common DTI ratio? 30-36%, with 1,371 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.00%
Pinnacle Bank has an average approval rate.
Pick Rate
Approvals leading to origination81.31%
Pinnacle Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 8,443 | $3,755,805,000 | $444,842 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 8,443 | $3,755,805,000 | $444,842 |