Pinnacle Bank (Tennessee) mortgage approval rate & lending review
Pinnacle Bank (Tennessee) decided 15,944 mortgage applications and funded 12,550 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Pinnacle Bank (Tennessee) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Pinnacle Bank (Tennessee) at a glance
Approval is 5.8 points above the 78.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 91% | 7,169 / 7,905 | 97% | $285K | 6,951 |
| Home improvement loans | 73% | 2,962 / 4,054 | 84% | $105K | 2,484 |
| Cash-out refinance | 76% | 353 / 463 | 96% | $295K | 340 |
| Refinance | 81% | 1,131 / 1,398 | 89% | $235K | 1,006 |
| Investment property purchase | 94% | 1,455 / 1,551 | 95% | $135K | 1,380 |
| Investment cash-out refinance | 72% | 65 / 90 | 95% | $215K | 62 |
| Investment refinance | 84% | 204 / 244 | 88% | $245K | 179 |
| Investment home improvement | 69% | 166 / 239 | 89% | $145K | 148 |
Pinnacle Bank (Tennessee) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 87% | $305K | 8,546 | 6,941 |
| North Carolina | 82% | $205K | 3,562 | 2,702 |
| South Carolina | 82% | $295K | 1,316 | 987 |
| Georgia | 75% | $105K | 821 | 545 |
| Alabama | 89% | $175K | 650 | 561 |
| Florida | 79% | $435K | 228 | 165 |
| Mississippi | 90% | $265K | 196 | 175 |
| Maryland | 74% | $105K | 159 | 103 |
| Virginia | 79% | $175K | 98 | 64 |
| Kentucky | 88% | $185K | 85 | 69 |
| Arkansas | 100% | $115K | 35 | 35 |
| Texas | 86% | $445K | 35 | 28 |
| California | 85% | $995K | 27 | 21 |
| District of Columbia | 78% | $145K | 27 | 17 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Pinnacle Bank (Tennessee) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Shelby County, TN | Mortgage lenders | 94% | 1,313 | 1,199 |
| Davidson County, TN | Mortgage lenders | 89% | 1,120 | 979 |
| Rutherford County, TN | Mortgage lenders | 93% | 727 | 661 |
| Shelby County, TN | Investment property purchase | 97% | 557 | 531 |
| Davidson County, TN | Home improvement loans | 78% | 556 | 357 |
| Guilford County, NC | Mortgage lenders | 86% | 395 | 332 |
| Madison County, AL | Mortgage lenders | 90% | 346 | 306 |
| Knox County, TN | Mortgage lenders | 95% | 313 | 283 |
| Hamilton County, TN | Mortgage lenders | 94% | 257 | 238 |
| Williamson County, TN | Mortgage lenders | 90% | 262 | 217 |
| Shelby County, TN | Home improvement loans | 70% | 337 | 188 |
| Williamson County, TN | Home improvement loans | 81% | 287 | 187 |
The county markets where Pinnacle Bank (Tennessee) made the most loans. Each link opens that market with every lender ranked.
Questions about Pinnacle Bank (Tennessee)
What is Pinnacle Bank (Tennessee)'s mortgage approval rate?
Pinnacle Bank (Tennessee) approved 84.7% of the 15,944 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.8 points above the 78.9% national rate for the same mix of loan types.
How often do borrowers take the loan Pinnacle Bank (Tennessee) offers?
Borrowers accepted 93% of the loans Pinnacle Bank (Tennessee) approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Pinnacle Bank (Tennessee) make?
The typical home purchase mortgage loan Pinnacle Bank (Tennessee) made was $285K; across all loan types its typical loan ran from $105K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Pinnacle Bank (Tennessee) lend?
Pinnacle Bank (Tennessee) decided applications in 41 of the states Fat Boy Data covers, most of them in Tennessee, North Carolina and South Carolina.
Can I apply to Pinnacle Bank (Tennessee) directly?
Yes. Pinnacle Bank (Tennessee) is a bank or credit union with 533 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Pinnacle Bank (Tennessee)'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Pinnacle Bank (Tennessee) treats applications, then get a rate quote from the lender.