Lender in Tennessee · HMDA 2025
Pinnacle Bank mortgages in Tennessee
Pinnacle Bank's 2025 home-purchase and refinance lending in Tennessee, compared with all lenders in the state.
Pinnacle Bank originated 1,349 owner-occupied single-family loans in Tennessee from 1,493 completed applications, making it the state's #15 lender by volume.
Its median conventional purchase loan costs were $5,090 versus $5,320 for all Tennessee lenders, at a median 30-year fixed rate of 6.375% (Tennessee: 6.624%).
Loans in TN
1,349
of 1,493 applications
Denial rate
8.1%
Purchase · TN 7.7%
Rate spread
−0.01 pts
Conv. · TN +0.11 pts
Loan amount
$335,000
Purchase · TN $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,308 | 1,198 | 8.1% | 6.375% | −0.01 pts | $5,090 | $335,000 |
| Refinance | 92 | 82 | 9.8% | 6.500% | +0.14 pts | $5,170 | $585,000 |
| Cash-out refinance | 93 | 69 | 23.7% | 6.625% | +0.12 pts | $4,510 | $305,000 |
*Conventional loans only; medians with at least 20 loans.
Tennessee counties where Pinnacle Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Shelby County | 4 | 374 | 4.5% |
| Davidson County | 6 | 265 | 2.7% |
| Rutherford County | 9 | 172 | 2.8% |
| Fayette County | 9 | 23 | 2.7% |
| Blount County | 12 | 46 | 1.9% |
| Williamson County | 15 | 79 | 1.6% |
| Wilson County | 15 | 59 | 1.7% |
| Bedford County | 15 | 10 | 1.2% |
| Cannon County | 17 | 3 | 1.4% |
| Hancock County | 18 | 1 | 2.2% |
| Cheatham County | 19 | 10 | 1.2% |
| Marshall County | 20 | 10 | 1.2% |
| Perry County | 20 | 1 | 1.4% |
| Hamilton County | 21 | 80 | 1.4% |
| Sumner County | 24 | 42 | 1.0% |
| Dickson County | 25 | 8 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology