We analyzed every closed loan from Pinnacle Bank — 1.2k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 5 mkts
Awards
FHA
Champion
Conventional
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
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Report Card
Pinnacle Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+1.4 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,018 | 85.1% | +0.030%Above | $1,195Fees | ||||
FHA Loans | 107 | 8.9% | +0.177%Above | $1,237Fees | ||||
VA Loans | 48 | 4.0% | -0.643%Below | $1,080Fees | ||||
USDA Loans | — | 19 | 1.6% | +0.118%Above | $1,370Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume1,018
Mix85.1%
Spread
+0.030%Above
Fees
$1,195Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume107
Mix8.9%
Spread
+0.177%Above
Fees
$1,237Fees
VA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume48
Mix4.0%
Spread
-0.643%Below
Fees
$1,080Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume19
Mix1.6%
Spread
+0.118%Above
Fees
$1,370Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,053 | 88.0% | +0.015%Above | $1,263Fees | ||||
Refinance | 143 | 12.0% | +0.003%Above | $574Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume1,053
Mix88.0%
Spread
+0.015%Above
Fees
$1,263Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume143
Mix12.0%
Spread
+0.003%Above
Fees
$574Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,196
Applications
1,452
Volume
$324 million
Pricing & Closing
Avg Rate Spread
+0.014%
vs. market APOR
Avg Net Fees
$1,196
Origination − Credits
Pullthrough Rate
82.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$271,221
Avg Borrower Income
$141,676
Avg Property Value
$397,843
Geographic Coverage
Geographic Performance
Metro Areas
5
markets with activity
States Served
15
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
15Midwest5
IAKSMONESD
South7
ALARFLOKSCTNTX
West3
AZCOUT
Top Metro Areas by Place Specialization Score
Volume 47Mix 3.93% of portfolio
88/100
Exceptional
Volume 231Mix 19.31% of portfolio
86/100
Exceptional
Volume 251Mix 20.99% of portfolio
84/100
Exceptional
Volume 32Mix 2.68% of portfolio
57/100
Sound
Volume 13Mix 1.09% of portfolio
42/100
SoundTop States by Place Specialization Score
1
NebraskaState
Volume 1,087Mix 90.89% of portfolio
98/100
Exceptional2
MissouriState
Volume 54Mix 4.52% of portfolio
55/100
Sound3
KansasState
Volume 20Mix 1.67% of portfolio
48/100
Sound4
IowaState
Volume 10Mix 0.84% of portfolio
39/100
AcceptableHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.