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We analyzed every closed loan from Pinnacle Bank Tn — 2.3k loans across 3k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Strong
vs. all lenders
Pull Through
Strong
closing strength
Products
Strong
FHA · Conventional · VA · Jumbo
Place
Strong
Near-National · 19 mkts
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar⭐Refinance Superstar
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Safe Rate's 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
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Report Card
Pinnacle Bank performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Highly Competitive +9.0 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders Near-National20 markets | |
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 |
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 |
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
States Served
28
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALARAZCACODCFLGAILINKYLAMAMDMOMSMTNCNDNYOHORPASCTNTXVAWI
Top Metro Areas by Place Specialization Score
1
Nashville, TNMSA
Volume: 648Mix: 28.80%of portfolio
Place
Exceptional2
Memphis, TNMSA
Volume: 402Mix: 17.87%of portfolio
Place
Exceptional3
Greensboro, NCMSA
Volume: 99Mix: 4.40%of portfolio
Place
Strong4
Chattanooga, TN, TN-GAMSA
Volume: 83Mix: 3.69%of portfolio
Place
Strong5
Winston, NCMSA
Volume: 87Mix: 3.87%of portfolio
Place
Strong6
Huntsville, AL, ALMSA
Volume: 81Mix: 3.60%of portfolio
Place
Strong7
Roanoke, VA, VAMSA
Volume: 61Mix: 2.71%of portfolio
Place
Strong8
Knoxville, TN, TNMSA
Volume: 134Mix: 5.96%of portfolio
Place
Strong9
Charleston, SCMSA
Volume: 69Mix: 3.07%of portfolio
Place
Strong10
Charlotte, NC-SCMSA
Volume: 111Mix: 4.93%of portfolio
Place
StrongShowing 10 of 19 metro areas
Top States by Place Specialization Score
1
TNState
Volume: 1,277Mix: 56.76%of portfolio
Place
Exceptional2
NCState
Volume: 421Mix: 18.71%of portfolio
Place
Strong3
SCState
Volume: 133Mix: 5.91%of portfolio
Place
Strong4
ALState
Volume: 110Mix: 4.89%of portfolio
Place
Strong5
MSState
Volume: 69Mix: 3.07%of portfolio
Place
Strong6
VAState
Volume: 84Mix: 3.73%of portfolio
Place
Sound7
GAState
Volume: 58Mix: 2.58%of portfolio
Place
Sound8
FLState
Volume: 33Mix: 1.47%of portfolio
Place
Sound9
MDState
Volume: 13Mix: 0.58%of portfolio
Place
AcceptableHow We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.