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Pinnacle Bank
Bank|Nashville, TN|Near-National
Loans Originated
2,250
Applications
3,069
Volume
$831 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.090%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,242
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
73.3%
Percentage of applications that result in closed loans
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
Report Card
Pinnacle Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Near-National · 20 metro areas · 28 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$369,493
Average Borrower Income
$173,944
Average Property Value
$509,209
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Strong | 1,871 | 83.2% | +0.094% | $2,279 |
FHA Loans | Strong | Strong | Strong | Strong | 228 | 10.1% | +0.160% | $2,174 |
VA Loans | Strong | Strong | Strong | Strong | 76 | 3.4% | -0.468% | $1,669 |
Jumbo Loans | Sound | Strong | Mediocre | Strong | 75 | 3.3% | +0.712% | $1,985 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Sound | Strong | 2,017 | 89.6% | +0.081% | $2,259 |
Refinance | Strong | Strong | Strong | Strong | 233 | 10.4% | +0.154% | $2,131 |
Geographic Coverage
Metro Areas
19
States Served
28
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALARAZCACODCFLGAILINKYLAMAMDMOMSMTNCNDNYOHORPASCTNTXVAWI
Top Metro Areas by Place Specialization Score
1
Nashville, TNMSA
Volume: 648Mix: 28.80%
Place Specialization
Exceptional
2
Memphis, TNMSA
Volume: 402Mix: 17.87%
Place Specialization
Exceptional
3
Greensboro, NCMSA
Volume: 99Mix: 4.40%
Place Specialization
Strong
4
Chattanooga, TN, TN-GAMSA
Volume: 83Mix: 3.69%
Place Specialization
Strong
5
Winston, NCMSA
Volume: 87Mix: 3.87%
Place Specialization
Strong
6
Huntsville, AL, ALMSA
Volume: 81Mix: 3.60%
Place Specialization
Strong
7
Roanoke, VA, VAMSA
Volume: 61Mix: 2.71%
Place Specialization
Strong
8
Knoxville, TN, TNMSA
Volume: 134Mix: 5.96%
Place Specialization
Strong
9
Charleston, SCMSA
Volume: 69Mix: 3.07%
Place Specialization
Strong
10
Charlotte, NC-SCMSA
Volume: 111Mix: 4.93%
Place Specialization
Strong
Showing 10 of 19 metro areas
Top States by Place Specialization Score
1
TNState
Volume: 1,277Mix: 56.76%
Place Specialization
Exceptional
2
NCState
Volume: 421Mix: 18.71%
Place Specialization
Strong
3
SCState
Volume: 133Mix: 5.91%
Place Specialization
Strong
4
ALState
Volume: 110Mix: 4.89%
Place Specialization
Strong
5
MSState
Volume: 69Mix: 3.07%
Place Specialization
Strong
6
VAState
Volume: 84Mix: 3.73%
Place Specialization
Sound
7
GAState
Volume: 58Mix: 2.58%
Place Specialization
Sound
8
FLState
Volume: 33Mix: 1.47%
Place Specialization
Sound
9
MDState
Volume: 13Mix: 0.58%
Place Specialization
Acceptable
How 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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