# Pinnacle Bank

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


> **📋 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 Nashville, TN, serving borrowers across 28 states, with 2,250 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 40% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 28% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300CDOC4F7XSRG390
- **Headquarters:** Nashville, TN
- **Geographic Reach:** Near-National
- **States Served:** 28
- **State List:** AL, AR, AZ, CA, CO, DC, FL, GA, IL, IN, KY, LA, MA, MD, MO, MS, MT, NC, ND, NY, OH, OR, PA, SC, TN, TX, VA, WI
- **Markets (MSAs):** 20
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 60/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.090%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,242
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,250
- **Dollar Volume:** $831 million
- **Applications Received:** 3,069
- **Market Share:** 6.00%

## Typical Borrower Profile

- **Average Loan Amount:** $369,493
- **Average Borrower Income:** $173,944
- **Average Property Value:** $509,209

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (63%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 78/100 | 1,871 | +0.094% | $2,279 | Strong 😀 |
| FHA | 72/100 | 228 | +0.160% | $2,174 | Strong 😀 |
| VA | 70/100 | 76 | -0.468% | $1,669 | Strong 😀 |
| Jumbo | 77/100 | 75 | +0.712% | $1,985 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,668 loans, Score: 79/100 (Strong)
- Refinance: 203 loans, Score: 66/100 (Strong)

**FHA:**
- Purchase: 217 loans, Score: 72/100 (Strong)

**VA:**
- Purchase: 66 loans, Score: 70/100 (Strong)

**Jumbo:**
- Purchase: 66 loans, Score: 78/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 77/100 | 2,017 | $743M | +0.081% | Strong 😀 |
| Refinance | 66/100 | 233 | $88M | +0.154% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 1,277 | 1.40% | 91/100 |
| NC | 421 | 0.28% | 73/100 |
| SC | 133 | 0.17% | 67/100 |
| AL | 110 | 0.18% | 66/100 |
| VA | 84 | 0.08% | 59/100 |
| MS | 69 | 0.28% | 61/100 |
| GA | 58 | 0.04% | 53/100 |
| FL | 33 | 0.01% | 42/100 |
| MD | 13 | 0.02% | 39/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Nashville | TN | 648 | 91/100 |
| Memphis, TN |  | 402 | 86/100 |
| Non |  | 137 | 52/100 |
| Knoxville, TN | TN | 134 | 70/100 |
| Charlotte | NC-SC | 111 | 67/100 |
| Greensboro | NC | 99 | 73/100 |
| Winston | NC | 87 | 72/100 |
| Chattanooga, TN | TN-GA | 83 | 72/100 |
| Huntsville, AL | AL | 81 | 71/100 |
| Charleston | SC | 69 | 67/100 |
| Roanoke, VA | VA | 61 | 71/100 |
| Greenville | SC | 30 | 55/100 |
| Raleigh | NC | 30 | 52/100 |
| Burlington, NC | NC | 24 | 58/100 |
| Atlanta | GA | 17 | 42/100 |

## Where This Lender Ranks

Pinnacle Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Nashville for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Knoxville, TN Banks
  - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/banks)
- 🥇 **#1** in Knoxville, TN for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Greensboro for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/greensboro/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Roanoke, VA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/roanoke-va/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Tennessee
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders)
- 🥈 **#2** in Tennessee Banks
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/banks)
- 🥈 **#2** in Nashville
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders)
- 🥈 **#2** in Nashville Banks
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/banks)
- 🥈 **#2** in Memphis, TN Banks
  - [View Full Rankings](https://saferate.com/memphis-tn/best-mortgage-lenders/banks)
- 🥈 **#2** in Knoxville, TN for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Winston for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/winston/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Roanoke, VA Banks
  - [View Full Rankings](https://saferate.com/roanoke-va/best-mortgage-lenders/banks)
- 🥉 **#3** in Memphis, TN
  - [View Full Rankings](https://saferate.com/memphis-tn/best-mortgage-lenders)
- 🥉 **#3** in Memphis, TN for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/memphis-tn/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Knoxville, TN
  - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders)
- 🥉 **#3** in Greensboro Banks
  - [View Full Rankings](https://saferate.com/greensboro/best-mortgage-lenders/banks)
- 🥉 **#3** in Winston Banks
  - [View Full Rankings](https://saferate.com/winston/best-mortgage-lenders/banks)
- 🥉 **#3** in Chattanooga, TN Banks
  - [View Full Rankings](https://saferate.com/chattanooga-tn/best-mortgage-lenders/banks)
- 🥉 **#3** in Huntsville, AL Banks
  - [View Full Rankings](https://saferate.com/huntsville-al/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does Pinnacle Bank offer?

Pinnacle Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. 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 28 states: AL, AR, AZ, CA, CO, DC, FL, GA, IL, IN, KY, LA, MA, MD, MO, MS, MT, NC, ND, NY, OH, OR, PA, SC, TN, TX, VA, WI.

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

Pinnacle Bank has a pricing score of 60/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.090% 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 Nashville, TN.

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

Pinnacle Bank has a pull-through score of 72/100 (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-tn

### How to Cite

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

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