# PINNACLE MORTGAGE, INC.

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


> **📋 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 MORTGAGE, INC. is a independent mortgage company, headquartered in EAST HANOVER, NJ, serving borrowers across 4 states, with 296 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 17% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 48% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300BTFTXJ72LSIY30
- **Headquarters:** EAST HANOVER, NJ
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** FL, NJ, PA, SC
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.027%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $935
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 296
- **Dollar Volume:** $142 million
- **Applications Received:** 296
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $480,980
- **Average Borrower Income:** $247,152
- **Average Property Value:** $699,730

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (65%)
- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 45/100 | 250 | -0.032% | $1,004 | Sound ☺️ |
| FHA | 56/100 | 35 | +0.416% | $455 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 212 loans, Score: 45/100 (Sound)
- Refinance: 38 loans, Score: 44/100 (Sound)

**FHA:**
- Purchase: 29 loans, Score: 55/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 46/100 | 251 | $122M | +0.027% | Sound ☺️ |
| Refinance | 43/100 | 45 | $20M | +0.025% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NJ | 231 | 0.27% | 79/100 |
| PA | 60 | 0.05% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| New York | NY-NJ | 76 | 66/100 |
| Lakewood | NJ | 63 | 68/100 |
| Newark, NJ | NJ | 56 | 68/100 |
| Montgomery County | PA | 43 | 64/100 |
| Camden, NJ | NJ | 17 | 50/100 |

## Where This Lender Ranks

PINNACLE MORTGAGE, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#9** in Newark, NJ Mortgage Companies
  - [View Full Rankings](https://saferate.com/newark-nj/best-mortgage-lenders/mortgage-companies)
- 🏆 **#11** in Montgomery County Mortgage Companies
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/mortgage-companies)
- 🏆 **#12** in Lakewood Mortgage Companies
  - [View Full Rankings](https://saferate.com/lakewood/best-mortgage-lenders/mortgage-companies)
- 🏆 **#14** in Lakewood for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lakewood/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#14** in Newark, NJ for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/newark-nj/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#17** in Lakewood for FHA Loans
  - [View Full Rankings](https://saferate.com/lakewood/best-mortgage-lenders/fha-loans)
- 🏆 **#19** in Montgomery County for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does PINNACLE MORTGAGE, INC. offer?

PINNACLE MORTGAGE, INC. offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does PINNACLE MORTGAGE, INC. offer mortgages?

PINNACLE MORTGAGE, INC. offers mortgages in 4 states: FL, NJ, PA, SC.

### How competitive are PINNACLE MORTGAGE, INC.'s mortgage rates?

PINNACLE MORTGAGE, INC. has a pricing score of 83/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.027% above market average.

### What type of lender is PINNACLE MORTGAGE, INC.?

PINNACLE MORTGAGE, INC. is a non-depository lender that specializes in mortgage origination, headquartered in EAST HANOVER, NJ.

### What is PINNACLE MORTGAGE, INC.'s loan approval success rate?

PINNACLE MORTGAGE, INC. has a pull-through score of 52/100 (Sound). 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-mortgage

### How to Cite

> "PINNACLE MORTGAGE, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/pinnacle-mortgage

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