We analyzed every closed loan from Pinnacle Bank — 2.3k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Near-National · 19 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
Pinnacle Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+9.0 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
Jumbo
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
Near-National · 20 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 | 1,871 | 83.2% | +0.094%Above | $2,279Fees | ||||
FHA Loans | 228 | 10.1% | +0.160%Above | $2,174Fees | ||||
VA Loans | 76 | 3.4% | -0.468%Below | $1,669Fees | ||||
Jumbo Loans | 75 | 3.3% | +0.712%Above | $1,985Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume1,871
Mix83.2%
Spread
+0.094%Above
Fees
$2,279Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume228
Mix10.1%
Spread
+0.160%Above
Fees
$2,174Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume76
Mix3.4%
Spread
-0.468%Below
Fees
$1,669Fees
Jumbo Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume75
Mix3.3%
Spread
+0.712%Above
Fees
$1,985Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,017 | 89.6% | +0.081%Above | $2,259Fees | ||||
Refinance | 233 | 10.4% | +0.154%Above | $2,131Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume2,017
Mix89.6%
Spread
+0.081%Above
Fees
$2,259Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume233
Mix10.4%
Spread
+0.154%Above
Fees
$2,131Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,250
Applications
3,069
Volume
$831 million
Pricing & Closing
Avg Rate Spread
+0.090%
vs. market APOR
Avg Net Fees
$2,242
Origination − Credits
Pullthrough Rate
73.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$369,493
Avg Borrower Income
$173,944
Avg Property Value
$509,209
Geographic Coverage
Geographic Performance
Metro Areas
19
markets with activity
States Served
28
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
28Northeast3
MANYPA
Midwest6
ILINMONDOHWI
South14
ALARDCFLGAKYLAMDMSNCSCTNTXVA
West5
AZCACOMTOR
Top Metro Areas by Place Specialization Score
Volume 648Mix 28.80% of portfolio
91/100
Exceptional
Volume 402Mix 17.87% of portfolio
86/100
Exceptional
Volume 99Mix 4.40% of portfolio
73/100
Strong
Volume 83Mix 3.69% of portfolio
72/100
Strong
Volume 87Mix 3.87% of portfolio
72/100
Strong
Volume 81Mix 3.60% of portfolio
71/100
Strong
Volume 61Mix 2.71% of portfolio
71/100
Strong
Volume 134Mix 5.96% of portfolio
70/100
Strong
Volume 69Mix 3.07% of portfolio
67/100
Strong
Volume 111Mix 4.93% of portfolio
67/100
StrongShowing 10 of 19 metro areas
Top States by Place Specialization Score
1
TennesseeState
Volume 1,277Mix 56.76% of portfolio
91/100
Exceptional2
North CarolinaState
Volume 421Mix 18.71% of portfolio
73/100
Strong3
South CarolinaState
Volume 133Mix 5.91% of portfolio
67/100
Strong4
AlabamaState
Volume 110Mix 4.89% of portfolio
66/100
Strong5
MississippiState
Volume 69Mix 3.07% of portfolio
61/100
Strong6
VirginiaState
Volume 84Mix 3.73% of portfolio
59/100
Sound7
GeorgiaState
Volume 58Mix 2.58% of portfolio
53/100
Sound8
FloridaState
Volume 33Mix 1.47% of portfolio
42/100
Sound9
MarylandState
Volume 13Mix 0.58% 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.