Lender in North Carolina · HMDA 2025
Pinnacle Bank mortgages in North Carolina
Pinnacle Bank's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Pinnacle Bank originated 466 owner-occupied single-family loans in North Carolina from 563 completed applications.
Its median conventional purchase loan costs were $5,080 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.375% (North Carolina: 6.50%).
Loans in NC
466
of 563 applications
Denial rate
14.2%
Purchase · NC 7.6%
Rate spread
−0.02 pts
Conv. · NC +0.04 pts
Loan amount
$265,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 465 | 394 | 14.2% | 6.375% | −0.02 pts | $5,080 | $265,000 |
| Refinance | 50 | 40 | 16.0% | — | +0.14 pts | $3,720 | $405,000 |
| Cash-out refinance | 48 | 32 | 33.3% | 6.625% | +0.13 pts | $3,530 | $225,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Pinnacle Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Montgomery County | 11 | 5 | 1.9% |
| Stanly County | 12 | 19 | 1.7% |
| Alamance County | 14 | 52 | 1.8% |
| Randolph County | 15 | 28 | 1.6% |
| Davidson County | 18 | 38 | 1.4% |
| Guilford County | 19 | 83 | 1.3% |
| Yadkin County | 25 | 3 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology