# Pinnacle Bank

> **Canonical URL:** https://saferate.com/lenders/pinnacle-bank-ne


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Pinnacle Bank is a bank, headquartered in Lincoln, NE, serving borrowers across 15 states, with 1,196 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 20% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 22% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300PZ44DNQDPOV865
- **Headquarters:** Lincoln, NE
- **Geographic Reach:** Multi-Region
- **States Served:** 15
- **State List:** AL, AR, AZ, CO, FL, IA, KS, MO, NE, OK, SC, SD, TN, TX, UT
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 80/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 78/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.014%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,196
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,196
- **Dollar Volume:** $324 million
- **Applications Received:** 1,452
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $271,221
- **Average Borrower Income:** $141,676
- **Average Property Value:** $397,843

## Safe Rate Awards 🏆

- 💎 **FHA Diamond Champion** (84%)
- 💎 **VA Diamond Champion** (84%)
- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (78%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 79/100 | 1,018 | +0.030% | $1,195 | Strong 😀 |
| FHA | 70/100 | 107 | +0.177% | $1,237 | Strong 😀 |
| VA | 67/100 | 48 | -0.643% | $1,080 | Strong 😀 |
| USDA | 76/100 | 19 | +0.118% | $1,370 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 882 loans, Score: 79/100 (Strong)
- Refinance: 136 loans, Score: 72/100 (Strong)

**FHA:**
- Purchase: 104 loans, Score: 70/100 (Strong)

**VA:**
- Purchase: 46 loans, Score: 67/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 77/100 | 1,053 | $292M | +0.015% | Strong 😀 |
| Refinance | 71/100 | 143 | $33M | +0.003% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NE | 1,087 | 5.08% | 98/100 |
| MO | 54 | 0.07% | 55/100 |
| KS | 20 | 0.07% | 48/100 |
| IA | 10 | 0.03% | 39/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 593 | 76/100 |
| Omaha, NE | NE-IA | 251 | 84/100 |
| Lincoln, NE | NE | 231 | 86/100 |
| Grand Island, NE | NE | 47 | 88/100 |
| Joplin, MO | MO-KS | 32 | 57/100 |
| Kansas City, MO | MO-KS | 13 | 42/100 |

## Where This Lender Ranks

Pinnacle Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Nebraska for FHA Loans
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Nebraska for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Nebraska for VA Loans
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Nebraska for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Omaha, NE for FHA Loans
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Omaha, NE for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Omaha, NE for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Grand Island, NE
  - [View Full Rankings](https://saferate.com/grand-island-ne/best-mortgage-lenders)
- 🥇 **#1** in Grand Island, NE Banks
  - [View Full Rankings](https://saferate.com/grand-island-ne/best-mortgage-lenders/banks)
- 🥇 **#1** in Grand Island, NE for FHA Loans
  - [View Full Rankings](https://saferate.com/grand-island-ne/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Grand Island, NE for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/grand-island-ne/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Joplin, MO Banks
  - [View Full Rankings](https://saferate.com/joplin-mo/best-mortgage-lenders/banks)
- 🥈 **#2** in Nebraska for USDA Loans
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/usda-loans)
- 🥈 **#2** in Nebraska for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks/usda-loans)
- 🥈 **#2** in Omaha, NE Banks
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/banks)
- 🥈 **#2** in Lincoln, NE for FHA Loans
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Lincoln, NE for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Lincoln, NE for VA Loans
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Lincoln, NE for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Joplin, MO
  - [View Full Rankings](https://saferate.com/joplin-mo/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Pinnacle Bank offer?

Pinnacle Bank offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Pinnacle Bank offer mortgages?

Pinnacle Bank offers mortgages in 15 states: AL, AR, AZ, CO, FL, IA, KS, MO, NE, OK, SC, SD, TN, TX, UT.

### How competitive are Pinnacle Bank's mortgage rates?

Pinnacle Bank has a pricing score of 80/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.014% above market average.

### What type of lender is Pinnacle Bank?

Pinnacle Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Lincoln, NE.

### What is Pinnacle Bank's loan approval success rate?

Pinnacle Bank has a pull-through score of 78/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/pinnacle-bank-ne

### How to Cite

> "Pinnacle Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/pinnacle-bank-ne

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