Lender in Georgia · HMDA 2025
Pinnacle Bank mortgages in Georgia
Pinnacle Bank's 2025 home-purchase and refinance lending in Georgia, compared with all lenders in the state.
Pinnacle Bank originated 314 owner-occupied single-family loans in Georgia from 383 completed applications.
Loans in GA
314
of 383 applications
Denial rate
9.5%
Purchase · GA 9.9%
Rate spread
—
Conv. · GA +0.13 pts
Loan amount
$285,000
Purchase · GA $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 284 | 254 | 9.5% | — | — | — | $285,000 |
| Refinance | 49 | 33 | 26.5% | — | — | — | $145,000 |
| Cash-out refinance | 50 | 27 | 46.0% | — | — | — | $235,000 |
*Conventional loans only; medians with at least 20 loans.
Georgia counties where Pinnacle Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Taliaferro County | 2 | 1 | 12.5% |
| Hart County | 3 | 18 | 5.8% |
| Elbert County | 3 | 12 | 7.6% |
| McDuffie County | 4 | 13 | 5.8% |
| Franklin County | 7 | 7 | 2.6% |
| Jefferson County | 7 | 4 | 4.0% |
| Columbia County | 11 | 100 | 3.1% |
| Richmond County | 14 | 35 | 1.6% |
| Madison County | 15 | 5 | 1.4% |
| Emanuel County | 16 | 1 | 1.1% |
| Oconee County | 18 | 9 | 1.4% |
| Habersham County | 18 | 7 | 1.1% |
| Wilkes County | 18 | 1 | 1.2% |
| Stephens County | 19 | 4 | 1.1% |
| Walton County | 20 | 18 | 1.0% |
| Jasper County | 25 | 3 | 0.9% |
| Union County | 25 | 3 | 0.7% |
| Banks County | 25 | 2 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology