Lender profile · HMDA 2023–2025
Pinnacle Bank mortgage approval rates & lending data
Pinnacle Bank decided 944 mortgage applications and funded 791 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| Florida | 78% | $335K | 9 | 7 |
| Alabama | 100% | $245K | 2 | 2 |
| Louisiana | 100% | $155K | 1 | 1 |
| New Jersey | 100% | $665K | 1 | 1 |
| North Carolina | 100% | $165K | 1 | 1 |
| Ohio | 100% | $215K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.