Pinnacle Bank: 2025 mortgage rates, costs & approvals
How Pinnacle Bank priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: PINNACLE BANK · LEI 2549006MTEQ1VE0AAQ20
In 2025, Pinnacle Bank originated 371 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 7 states — 863rd by volume among the 2,017 lenders profiled here.
It denied 9.7% of completed home-purchase applications (all lenders: 8.5%).
How Pinnacle Bank priced home-purchase loans
| Purchase loans, 2025 | Pinnacle Bank | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | — | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | — | +0.13 pts |
| Total loan costs · conventional | — | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | — | $1,860 |
| Borrowers paying discount points | — | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | — | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where Pinnacle Bank lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Georgia | 314 | 383 | 9.5% | — | — |
| South Carolina | 51 | 59 | 8.0% | — | — |
| Alabama | 2 | 2 | — | — | — |
| Florida | 1 | 3 | — | — | — |
| North Carolina | 1 | 1 | — | — | — |
| New Jersey | 1 | 1 | — | — | — |
| Ohio | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Pinnacle Bank's page for that state.
Counties where Pinnacle Bank is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Taliaferro County, GA | 2 | 1 | 12.5% |
| Elbert County, GA | 3 | 12 | 7.6% |
| Hart County, GA | 3 | 18 | 5.8% |
| McDuffie County, GA | 4 | 13 | 5.8% |
| Jefferson County, GA | 7 | 4 | 4.0% |
| Columbia County, GA | 11 | 100 | 3.1% |
| Franklin County, GA | 7 | 7 | 2.6% |
| Richmond County, GA | 14 | 35 | 1.6% |
| Oconee County, GA | 18 | 9 | 1.4% |
| Madison County, GA | 15 | 5 | 1.4% |
| Aiken County, SC | 18 | 39 | 1.3% |
| Wilkes County, GA | 18 | 1 | 1.2% |
| Emanuel County, GA | 16 | 1 | 1.1% |
| Habersham County, GA | 18 | 7 | 1.1% |
| Stephens County, GA | 19 | 4 | 1.1% |
Check Pinnacle Bank yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 2549006MTEQ1VE0AAQ20.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Pinnacle Bank with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology