Pinnacle Bank mortgage approval rate & lending review
Pinnacle Bank decided 944 mortgage applications and funded 791 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Pinnacle Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Pinnacle Bank at a glance
Approval is 7.5 points above the 78.6% 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% | 333 / 365 | 99% | $295K | 330 |
| Home improvement loans | 77% | 167 / 217 | 94% | $95K | 157 |
| Cash-out refinance | 54% | 28 / 52 | 100% | $255K | 28 |
| Refinance | 78% | 53 / 68 | 96% | $205K | 51 |
| Investment property purchase | 96% | 137 / 143 | 97% | $165K | 133 |
| Investment refinance | 100% | 85 / 85 | 96% | $165K | 82 |
Pinnacle Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Georgia | 86% | $215K | 839 | 698 |
| South Carolina | 90% | $275K | 90 | 80 |
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 lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Columbia County, GA | Mortgage lenders | 97% | 123 | 118 |
| Aiken County, SC | Mortgage lenders | 94% | 48 | 44 |
| Richmond County, GA | Mortgage lenders | 89% | 46 | 41 |
| Walton County, GA | Home improvement loans | 77% | 56 | 41 |
| Hall County, GA | Mortgage lenders | 93% | 41 | 38 |
| Hall County, GA | Home improvement loans | 84% | 45 | 36 |
| Richmond County, GA | Investment property purchase | 94% | 31 | 28 |
| Walton County, GA | Mortgage lenders | 94% | 31 | 28 |
| Clarke County, GA | Investment property purchase | 96% | 24 | 22 |
| Columbia County, GA | Home improvement loans | 77% | 30 | 22 |
| Columbia County, GA | Investment property purchase | 100% | 21 | 21 |
| Newton County, GA | Home improvement loans | 62% | 26 | 14 |
The county markets where Pinnacle Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Pinnacle Bank
What is Pinnacle Bank's mortgage approval rate?
Pinnacle Bank approved 86.1% of the 944 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.5 points above the 78.6% national rate for the same mix of loan types.
How often do borrowers take the loan Pinnacle Bank offers?
Borrowers accepted 97% of the loans Pinnacle Bank 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 make?
The typical home purchase mortgage loan Pinnacle Bank made was $295K; across all loan types its typical loan ran from $95K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Pinnacle Bank lend?
Pinnacle Bank decided applications in 8 of the states Fat Boy Data covers, most of them in Georgia, South Carolina and Florida.
Can I apply to Pinnacle Bank directly?
Yes. Pinnacle Bank 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'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 treats applications, then get a rate quote from the lender.