Pinnacle Bank Mortgage Lending & HMDA Data, 2019

In 2019, Pinnacle Bank of Nashville, TN reported 11,389 mortgage applications totaling $3.4 billion, up 8% from 2018. The average application was for $301,463, and applicants reported an average income of $155,659. 76% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (3,802), Memphis, TN-MS-AR (1,980) and Knoxville, TN (892) (applications in parentheses).

Mortgage Company & Address Pinnacle Bank
150 3rd Ave South
Nashville, TN 37203
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  
Total Number of Mortgage Applications 11,389
Total Mortgage Loan Application Amount $3,433,365,000
Average Mortgage Loan Application Amount $301,463
Highest Mortgage Loan Application Amount $36,005,000
Average Applicant Income $155,659
Highest Applicant Income $6,347,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Pinnacle Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Pinnacle Bank by County in 2019

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Davidson, Tennessee 1,598 $ 556,550,000 $ 348,279 $ 194,000
Shelby, Tennessee 1,489 $ 309,425,000 $ 207,807 $ 114,000
Williamson, Tennessee 707 $ 278,825,000 $ 394,377 $ 246,000
Rutherford, Tennessee 620 $ 127,710,000 $ 205,983 $ 110,000
Knox, Tennessee 531 $ 138,535,000 $ 260,894 $ 171,000
Hamilton, Tennessee 474 $ 138,770,000 $ 292,763 $ 210,000
Guilford, North Carolina 354 $ 55,250,000 $ 156,073 $ 92,000
Mecklenburg, North Carolina 336 $ 142,170,000 $ 423,125 $ 198,000
Wilson, Tennessee 309 $ 111,665,000 $ 361,375 $ 124,000
Sumner, Tennessee 291 $ 68,975,000 $ 237,027 $ 137,000
DeSoto, Mississippi 284 $ 53,850,000 $ 189,612 $ 75,000
Blount, Tennessee 277 $ 103,335,000 $ 373,050 $ 136,000
Charleston, South Carolina 274 $ 92,630,000 $ 338,065 $ 169,000
Greenville, South Carolina 198 $ 57,840,000 $ 292,121 $ 178,000
Davidson, North Carolina 184 $ 22,300,000 $ 121,195 $ 87,000
Forsyth, North Carolina 174 $ 43,870,000 $ 252,126 $ 145,000
Wake, North Carolina 136 $ 75,370,000 $ 554,191 $ 163,000
Randolph, North Carolina 120 $ 15,150,000 $ 126,250 $ 97,000
Cabarrus, North Carolina 117 $ 17,985,000 $ 153,717 $ 128,000
Horry, South Carolina 83 $ 10,425,000 $ 125,602 $ 93,000
Maury, Tennessee 82 $ 13,910,000 $ 169,634 $ 118,000
Durham, North Carolina 77 $ 16,845,000 $ 218,766 $ 155,000
Cheatham, Tennessee 75 $ 13,365,000 $ 178,200 $ 153,000
Tipton, Tennessee 75 $ 13,245,000 $ 176,600 $ 83,000
Fayette, Tennessee 73 $ 17,445,000 $ 238,972 $ 102,000
Stanly, North Carolina 72 $ 9,010,000 $ 125,138 $ 77,000
Roanoke City, Virginia 71 $ 12,535,000 $ 176,549 $ 135,000
Beaufort, South Carolina 65 $ 18,325,000 $ 281,923 $ 245,000
Catoosa, Georgia 62 $ 12,590,000 $ 203,064 $ 102,000
Spartanburg, South Carolina 57 $ 7,505,000 $ 131,666 $ 97,000
Rowan, North Carolina 54 $ 7,840,000 $ 145,185 $ 83,000
Roanoke, Virginia 53 $ 11,095,000 $ 209,339 $ 183,000
Dickson, Tennessee 50 $ 8,870,000 $ 177,400 $ 109,000
York, South Carolina 49 $ 15,685,000 $ 320,102 $ 106,000
Union, North Carolina 44 $ 11,810,000 $ 268,409 $ 179,000
Orange, North Carolina 43 $ 9,245,000 $ 215,000 $ 199,000
Berkeley, South Carolina 42 $ 8,000,000 $ 190,476 $ 117,000
Buncombe, North Carolina 41 $ 13,915,000 $ 339,390 $ 253,000
Walker, Georgia 38 $ 7,240,000 $ 190,526 $ 113,000
Alamance, North Carolina 38 $ 4,940,000 $ 130,000 $ 54,000
Robertson, Tennessee 37 $ 8,185,000 $ 221,216 $ 103,000
Walton, Florida 36 $ 23,480,000 $ 652,222 $ 431,000
Montgomery, Tennessee 36 $ 5,900,000 $ 163,888 $ 115,000
Iredell, North Carolina 35 $ 7,305,000 $ 208,714 $ 138,000
Dorchester, South Carolina 34 $ 9,000,000 $ 264,705 $ 101,000
Bradley, Tennessee 32 $ 10,450,000 $ 326,562 $ 166,000
Loudon, Tennessee 31 $ 9,125,000 $ 294,354 $ 138,000
Bedford, Tennessee 30 $ 4,880,000 $ 162,666 $ 67,000
Sevier, Tennessee 29 $ 6,455,000 $ 222,586 $ 165,000
Marshall, Tennessee 28 $ 5,940,000 $ 212,142 $ 89,000
Coffee, Tennessee 27 $ 4,855,000 $ 179,814 $ 83,000
Rockingham, North Carolina 26 $ 3,090,000 $ 118,846 $ 115,000
Anderson, Tennessee 24 $ 3,530,000 $ 147,083 $ 99,000
Roane, Tennessee 24 $ 6,760,000 $ 281,666 $ 213,000
Tate, Mississippi 22 $ 3,460,000 $ 157,272 $ 62,000
Johnston, North Carolina 21 $ 5,955,000 $ 283,571 $ 65,000
Marshall, Mississippi 20 $ 3,160,000 $ 158,000 $ 77,000
Brunswick, North Carolina 20 $ 5,340,000 $ 267,000 $ 180,000
Gaston, North Carolina 20 $ 5,970,000 $ 298,500 $ 93,000
Lincoln, North Carolina 19 $ 5,175,000 $ 272,368 $ 150,000
Henderson, North Carolina 17 $ 3,945,000 $ 232,058 $ 126,000
New Hanover, North Carolina 17 $ 5,125,000 $ 301,470 $ 197,000
Pickens, South Carolina 17 $ 2,165,000 $ 127,352 $ 72,000
Putnam, Tennessee 17 $ 3,325,000 $ 195,588 $ 91,000
Salem, Virginia 17 $ 2,285,000 $ 134,411 $ 81,000
Georgetown, South Carolina 16 $ 7,410,000 $ 463,125 $ 340,000
Botetourt, Virginia 16 $ 2,900,000 $ 181,250 $ 132,000
Columbia, Georgia 15 $ 2,895,000 $ 193,000 $ 113,000
Tunica, Mississippi 14 $ 1,660,000 $ 118,571 $ 74,000
Chatham, North Carolina 14 $ 4,650,000 $ 332,142 $ 198,000
Monroe, Tennessee 13 $ 2,165,000 $ 166,538 $ 80,000
Chatham, Georgia 12 $ 3,240,000 $ 270,000 $ 96,000
Watauga, North Carolina 12 $ 1,660,000 $ 138,333 $ 316,000
Greenwood, South Carolina 12 $ 1,090,000 $ 90,833 $ 86,000
Cannon, Tennessee 12 $ 1,610,000 $ 134,166 $ 100,000
Fulton, Georgia 11 $ 3,975,000 $ 361,363 $ 298,000
Richmond, Georgia 11 $ 1,225,000 $ 111,363 $ 109,000
Montgomery, North Carolina 11 $ 2,515,000 $ 228,636 $ 212,000
Lancaster, South Carolina 11 $ 1,995,000 $ 181,363 $ 107,000
DeKalb, Tennessee 11 $ 1,675,000 $ 152,272 $ 85,000
Rhea, Tennessee 11 $ 3,695,000 $ 335,909 $ 160,000
Palm Beach, Florida 10 $ 11,270,000 $ 1,127,000 $ 350,000
Sequatchie, Tennessee 10 $ 2,650,000 $ 265,000 $ 90,000
Smith, Tennessee 10 $ 2,020,000 $ 202,000 $ 116,000
Dallas, Texas 10 $ 10,960,000 $ 1,096,000 $ 361,000
Okaloosa, Florida 9 $ 3,535,000 $ 392,777 $ 282,000
Dade, Georgia 9 $ 1,705,000 $ 189,444 $ 100,000
Cook, Illinois 9 $ 11,785,000 $ 1,309,444 $ 248,000
Jefferson, Kentucky 9 $ 17,195,000 $ 1,910,555 $ 101,000
Franklin, Ohio 9 $ 24,405,000 $ 2,711,666 $ 93,000
Hamilton, Ohio 9 $ 29,985,000 $ 3,331,666 $ 0
Anderson, South Carolina 9 $ 2,005,000 $ 222,777 $ 127,000
Madison, Alabama 8 $ 1,660,000 $ 207,500 $ 256,000
DeKalb, Georgia 8 $ 23,270,000 $ 2,908,750 $ 252,000
Warren, Kentucky 8 $ 1,640,000 $ 205,000 $ 330,000
Oakland, Michigan 8 $ 1,300,000 $ 162,500 $ 70,000
Catawba, North Carolina 8 $ 2,790,000 $ 348,750 $ 212,000
Franklin, North Carolina 8 $ 1,460,000 $ 182,500 $ 201,000
Stokes, North Carolina 8 $ 1,020,000 $ 127,500 $ 98,000
Richland, South Carolina 8 $ 1,190,000 $ 148,750 $ 122,000
White, Tennessee 8 $ 1,310,000 $ 163,750 $ 70,000
Franklin, Virginia 8 $ 2,370,000 $ 296,250 $ 173,000
Montgomery, Virginia 8 $ 1,730,000 $ 216,250 $ 155,000
Baldwin, Alabama 7 $ 1,685,000 $ 240,714 $ 173,000
Broward, Florida 7 $ 4,055,000 $ 579,285 $ 633,000
Panola, Mississippi 7 $ 735,000 $ 105,000 $ 50,000
Carteret, North Carolina 7 $ 2,315,000 $ 330,714 $ 375,000
Jackson, North Carolina 7 $ 4,365,000 $ 623,571 $ 322,000
Hickman, Tennessee 7 $ 1,045,000 $ 149,285 $ 96,000
Jefferson, Tennessee 7 $ 1,965,000 $ 280,714 $ 143,000
Trousdale, Tennessee 7 $ 1,245,000 $ 177,857 $ 124,000
Sarasota, Florida 6 $ 3,570,000 $ 595,000 $ 552,000
Whitfield, Georgia 6 $ 880,000 $ 146,666 $ 101,000
Jefferson, Louisiana 6 $ 11,700,000 $ 1,950,000 $ 0
Cumberland, North Carolina 6 $ 4,080,000 $ 680,000 $ 39,000
Moore, North Carolina 6 $ 2,220,000 $ 370,000 $ 211,000
Aiken, South Carolina 6 $ 760,000 $ 126,666 $ 83,000
Oconee, South Carolina 6 $ 1,630,000 $ 271,666 $ 225,000
Franklin, Tennessee 6 $ 1,610,000 $ 268,333 $ 115,000
Humphreys, Tennessee 6 $ 900,000 $ 150,000 $ 156,000
Lauderdale, Tennessee 6 $ 680,000 $ 113,333 $ 54,000
Marion, Tennessee 6 $ 1,900,000 $ 316,666 $ 212,000
Lynchburg, Virginia 6 $ 3,810,000 $ 635,000 $ 0
Pulaski, Arkansas 5 $ 2,125,000 $ 425,000 $ 162,000
Bay, Florida 5 $ 1,175,000 $ 235,000 $ 166,000
Miami-Dade, Florida 5 $ 13,145,000 $ 2,629,000 $ 70,000
Pinellas, Florida 5 $ 1,775,000 $ 355,000 $ 240,000
Lafayette, Mississippi 5 $ 975,000 $ 195,000 $ 207,000
Granville, North Carolina 5 $ 785,000 $ 157,000 $ 93,000
Surry, North Carolina 5 $ 565,000 $ 113,000 $ 64,000
Hamblen, Tennessee 5 $ 1,255,000 $ 251,000 $ 65,000
Hardeman, Tennessee 5 $ 2,015,000 $ 403,000 $ 472,000
McMinn, Tennessee 5 $ 775,000 $ 155,000 $ 147,000
Washington, Tennessee 5 $ 835,000 $ 167,000 $ 199,000
Bedford, Virginia 5 $ 1,195,000 $ 239,000 $ 261,000
Fairfield, Connecticut 4 $ 2,730,000 $ 682,500 $ 236,000
Duval, Florida 4 $ 610,000 $ 152,500 $ 170,000
Orange, Florida 4 $ 24,380,000 $ 6,095,000 $ 230,000
Cherokee, Georgia 4 $ 920,000 $ 230,000 $ 167,000
Cobb, Georgia 4 $ 870,000 $ 217,500 $ 65,000
Henry, Georgia 4 $ 1,430,000 $ 357,500 $ 88,000
Macomb, Michigan 4 $ 3,460,000 $ 865,000 $ 54,000
Clark, Nevada 4 $ 830,000 $ 207,500 $ 151,000
Hudson, New Jersey 4 $ 3,490,000 $ 872,500 $ 314,000
Union, New Jersey 4 $ 7,220,000 $ 1,805,000 $ 0
Cleveland, North Carolina 4 $ 500,000 $ 125,000 $ 142,000
Davie, North Carolina 4 $ 1,040,000 $ 260,000 $ 141,000
Macon, North Carolina 4 $ 1,200,000 $ 300,000 $ 184,000
Benton, Tennessee 4 $ 450,000 $ 112,500 $ 91,000
Bledsoe, Tennessee 4 $ 1,160,000 $ 290,000 $ 128,000
Macon, Tennessee 4 $ 970,000 $ 242,500 $ 84,000
Morgan, Tennessee 4 $ 630,000 $ 157,500 $ 73,000
Harris, Texas 4 $ 18,870,000 $ 4,717,500 $ 0
Travis, Texas 4 $ 4,980,000 $ 1,245,000 $ 175,000
Jefferson, Alabama 3 $ 365,000 $ 121,666 $ 91,000
Maricopa, Arizona 3 $ 6,835,000 $ 2,278,333 $ 412,000
Pima, Arizona 3 $ 1,425,000 $ 475,000 $ 485,000
Cleburne, Arkansas 3 $ 465,000 $ 155,000 $ 278,000
Crittenden, Arkansas 3 $ 465,000 $ 155,000 $ 111,000
Orange, California 3 $ 2,545,000 $ 848,333 $ 929,000
San Diego, California 3 $ 2,215,000 $ 738,333 $ 427,000
Denver, Colorado 3 $ 1,935,000 $ 645,000 $ 224,000
Jefferson, Colorado 3 $ 9,045,000 $ 3,015,000 $ 0
District of Columbia, District Of Columbia 3 $ 2,705,000 $ 901,666 $ 568,000
Escambia, Florida 3 $ 1,305,000 $ 435,000 $ 420,000
Lee, Florida 3 $ 1,295,000 $ 431,666 $ 287,000
Gordon, Georgia 3 $ 5,105,000 $ 1,701,666 $ 166,000
Greene, Georgia 3 $ 1,245,000 $ 415,000 $ 232,000
Newton, Georgia 3 $ 3,735,000 $ 1,245,000 $ 55,000
Johnson, Kansas 3 $ 4,385,000 $ 1,461,666 $ 284,000
Simpson, Kentucky 3 $ 665,000 $ 221,666 $ 81,000
Calcasieu, Louisiana 3 $ 765,000 $ 255,000 $ 96,000
Hennepin, Minnesota 3 $ 7,665,000 $ 2,555,000 $ 360,000
Tishomingo, Mississippi 3 $ 455,000 $ 151,666 $ 141,000
New York, New York 3 $ 1,795,000 $ 598,333 $ 1,089,000
Ashe, North Carolina 3 $ 395,000 $ 131,666 $ 72,000
Nash, North Carolina 3 $ 415,000 $ 138,333 $ 443,000
Onslow, North Carolina 3 $ 845,000 $ 281,666 $ 381,000
Pender, North Carolina 3 $ 1,145,000 $ 381,666 $ 224,000
Oklahoma, Oklahoma 3 $ 8,025,000 $ 2,675,000 $ 311,000
Multnomah, Oregon 3 $ 805,000 $ 268,333 $ 84,000
Cumberland, Tennessee 3 $ 565,000 $ 188,333 $ 51,000
Giles, Tennessee 3 $ 745,000 $ 248,333 $ 134,000
Carroll, Virginia 3 $ 455,000 $ 151,666 $ 85,000
Frederick, Virginia 3 $ 365,000 $ 121,666 $ 336,000
Loudoun, Virginia 3 $ 985,000 $ 328,333 $ 0
Limestone, Alabama 2 $ 560,000 $ 280,000 $ 144,000
Marshall, Alabama 2 $ 410,000 $ 205,000 $ 117,000
Benton, Arkansas 2 $ 1,290,000 $ 645,000 $ 944,000
Craighead, Arkansas 2 $ 350,000 $ 175,000 $ 77,000
Sharp, Arkansas 2 $ 100,000 $ 50,000 $ 52,000
White, Arkansas 2 $ 300,000 $ 150,000 $ 72,000
Routt, Colorado 2 $ 1,090,000 $ 545,000 $ 1,271,000
Summit, Colorado 2 $ 1,100,000 $ 550,000 $ 207,000
Collier, Florida 2 $ 780,000 $ 390,000 $ 391,000
Hillsborough, Florida 2 $ 260,000 $ 130,000 $ 1,041,000
Manatee, Florida 2 $ 440,000 $ 220,000 $ 150,000
Marion, Florida 2 $ 880,000 $ 440,000 $ 239,000
Monroe, Florida 2 $ 980,000 $ 490,000 $ 223,000
St. Johns, Florida 2 $ 1,130,000 $ 565,000 $ 890,000
Glynn, Georgia 2 $ 850,000 $ 425,000 $ 284,000
Murray, Georgia 2 $ 670,000 $ 335,000 $ 150,000
Monroe, Illinois 2 $ 460,000 $ 230,000 $ 106,000
Logan, Kentucky 2 $ 200,000 $ 100,000 $ 153,000
Caddo, Louisiana 2 $ 2,980,000 $ 1,490,000 $ 0
Orleans, Louisiana 2 $ 500,000 $ 250,000 $ 260,000
St. Tammany, Louisiana 2 $ 2,270,000 $ 1,135,000 $ 258,000
Nantucket, Massachusetts 2 $ 3,230,000 $ 1,615,000 $ 455,000
Washtenaw, Michigan 2 $ 590,000 $ 295,000 $ 61,000
Wayne, Michigan 2 $ 8,510,000 $ 4,255,000 $ 0
Madison, Mississippi 2 $ 340,000 $ 170,000 $ 44,000
Oktibbeha, Mississippi 2 $ 500,000 $ 250,000 $ 305,000
Jefferson, Missouri 2 $ 210,000 $ 105,000 $ 44,000
St. Louis, Missouri 2 $ 460,000 $ 230,000 $ 89,000
Anson, North Carolina 2 $ 500,000 $ 250,000 $ 190,000
Avery, North Carolina 2 $ 1,000,000 $ 500,000 $ 200,000
Caldwell, North Carolina 2 $ 70,000 $ 35,000 $ 64,000
Halifax, North Carolina 2 $ 410,000 $ 205,000 $ 178,000
Haywood, North Carolina 2 $ 360,000 $ 180,000 $ 75,000
McDowell, North Carolina 2 $ 550,000 $ 275,000 $ 302,000
Person, North Carolina 2 $ 400,000 $ 200,000 $ 35,000
Pitt, North Carolina 2 $ 190,000 $ 95,000 $ 129,000
Transylvania, North Carolina 2 $ 1,140,000 $ 570,000 $ 306,000
Warren, North Carolina 2 $ 330,000 $ 165,000 $ 238,000
Wilkes, North Carolina 2 $ 460,000 $ 230,000 $ 119,000
Grand Forks, North Dakota 2 $ 8,900,000 $ 4,450,000 $ 0
Fairfield, Ohio 2 $ 2,500,000 $ 1,250,000 $ 0
Licking, Ohio 2 $ 940,000 $ 470,000 $ 391,000
Montgomery, Ohio 2 $ 10,700,000 $ 5,350,000 $ 0
Warren, Ohio 2 $ 520,000 $ 260,000 $ 178,000
Canadian, Oklahoma 2 $ 290,000 $ 145,000 $ 268,000
Clarendon, South Carolina 2 $ 350,000 $ 175,000 $ 80,000
Laurens, South Carolina 2 $ 220,000 $ 110,000 $ 51,000
Lexington, South Carolina 2 $ 600,000 $ 300,000 $ 193,000
Orangeburg, South Carolina 2 $ 290,000 $ 145,000 $ 121,000
Sumter, South Carolina 2 $ 270,000 $ 135,000 $ 69,000
Hardin, Tennessee 2 $ 600,000 $ 300,000 $ 242,000
Jackson, Tennessee 2 $ 480,000 $ 240,000 $ 103,000
Lawrence, Tennessee 2 $ 500,000 $ 250,000 $ 228,000
Lewis, Tennessee 2 $ 270,000 $ 135,000 $ 104,000
Perry, Tennessee 2 $ 160,000 $ 80,000 $ 89,000
Polk, Tennessee 2 $ 590,000 $ 295,000 $ 204,000
Van Buren, Tennessee 2 $ 610,000 $ 305,000 $ 221,000
Warren, Tennessee 2 $ 710,000 $ 355,000 $ 129,000
Denton, Texas 2 $ 550,000 $ 275,000 $ 435,000
Hidalgo, Texas 2 $ 5,760,000 $ 2,880,000 $ 0
Fairfax, Virginia 2 $ 580,000 $ 290,000 $ 553,000
Henry, Virginia 2 $ 120,000 $ 60,000 $ 45,000
Richmond City, Virginia 2 $ 6,880,000 $ 3,440,000 $ 0
Putnam, West Virginia 2 $ 270,000 $ 135,000 $ 96,000
Bibb, Alabama 1 $ 85,000 $ 85,000 $ 51,000
Calhoun, Alabama 1 $ 185,000 $ 185,000 $ 91,000
Cullman, Alabama 1 $ 345,000 $ 345,000 $ 176,000
DeKalb, Alabama 1 $ 165,000 $ 165,000 $ 44,000
Montgomery, Alabama 1 $ 7,265,000 $ 7,265,000 $ 0
Randolph, Alabama 1 $ 105,000 $ 105,000 $ 138,000
Shelby, Alabama 1 $ 695,000 $ 695,000 $ 345,000
Winston, Alabama 1 $ 175,000 $ 175,000 $ 425,000
Garland, Arkansas 1 $ 175,000 $ 175,000 $ 81,000
Lonoke, Arkansas 1 $ 165,000 $ 165,000 $ 95,000
Poinsett, Arkansas 1 $ 95,000 $ 95,000 $ 25,000
Alameda, California 1 $ 575,000 $ 575,000 $ 134,000
Marin, California 1 $ 1,085,000 $ 1,085,000 $ 1,636,000
Mendocino, California 1 $ 235,000 $ 235,000 $ 405,000
Riverside, California 1 $ 225,000 $ 225,000 $ 571,000
Boulder, Colorado 1 $ 455,000 $ 455,000 $ 164,000
Garfield, Colorado 1 $ 965,000 $ 965,000 $ 366,000
New Haven, Connecticut 1 $ 1,255,000 $ 1,255,000 $ 0
Brevard, Florida 1 $ 305,000 $ 305,000 $ 85,000
Citrus, Florida 1 $ 165,000 $ 165,000 $ 98,000
Flagler, Florida 1 $ 265,000 $ 265,000 $ 93,000
Gulf, Florida 1 $ 1,205,000 $ 1,205,000 $ 602,000
Lake, Florida 1 $ 505,000 $ 505,000 $ 169,000
Leon, Florida 1 $ 95,000 $ 95,000 $ 23,000
Martin, Florida 1 $ 1,805,000 $ 1,805,000 $ 660,000
Santa Rosa, Florida 1 $ 195,000 $ 195,000 $ 202,000
Seminole, Florida 1 $ 255,000 $ 255,000 $ 80,000
St. Lucie, Florida 1 $ 385,000 $ 385,000 $ 662,000
Volusia, Florida 1 $ 55,000 $ 55,000 $ 49,000
Bibb, Georgia 1 $ 10,205,000 $ 10,205,000 $ 0
Bulloch, Georgia 1 $ 25,000 $ 25,000 $ 83,000
Clarke, Georgia 1 $ 375,000 $ 375,000 $ 885,000
Effingham, Georgia 1 $ 105,000 $ 105,000 $ 221,000
Fayette, Georgia 1 $ 185,000 $ 185,000 $ 70,000
Gwinnett, Georgia 1 $ 1,515,000 $ 1,515,000 $ 0
Hall, Georgia 1 $ 395,000 $ 395,000 $ 108,000
Houston, Georgia 1 $ 105,000 $ 105,000 $ 82,000
Morgan, Georgia 1 $ 75,000 $ 75,000 $ 170,000
Rockdale, Georgia 1 $ 265,000 $ 265,000 $ 81,000
Troup, Georgia 1 $ 85,000 $ 85,000 $ 24,000
Blaine, Idaho 1 $ 1,005,000 $ 1,005,000 $ 430,000
DuPage, Illinois 1 $ 1,365,000 $ 1,365,000 $ 0
Allen, Indiana 1 $ 2,005,000 $ 2,005,000 $ 0
Clark, Indiana 1 $ 3,905,000 $ 3,905,000 $ 0
Decatur, Indiana 1 $ 55,000 $ 55,000 $ 37,000
Floyd, Indiana 1 $ 1,085,000 $ 1,085,000 $ 0
Gibson, Indiana 1 $ 155,000 $ 155,000 $ 62,000
Howard, Indiana 1 $ 145,000 $ 145,000 $ 49,000
Madison, Indiana 1 $ 1,635,000 $ 1,635,000 $ 0
Riley, Kansas 1 $ 1,365,000 $ 1,365,000 $ 820,000
Sedgwick, Kansas 1 $ 215,000 $ 215,000 $ 191,000
Boone, Kentucky 1 $ 215,000 $ 215,000 $ 74,000
Christian, Kentucky 1 $ 135,000 $ 135,000 $ 107,000
Clark, Kentucky 1 $ 3,365,000 $ 3,365,000 $ 0
Cumberland, Kentucky 1 $ 85,000 $ 85,000 $ 135,000
Fayette, Kentucky 1 $ 125,000 $ 125,000 $ 290,000
Jessamine, Kentucky 1 $ 425,000 $ 425,000 $ 0
Madison, Kentucky 1 $ 145,000 $ 145,000 $ 107,000
Meade, Kentucky 1 $ 1,815,000 $ 1,815,000 $ 0
Trigg, Kentucky 1 $ 55,000 $ 55,000 $ 70,000
East Baton Rouge, Louisiana 1 $ 305,000 $ 305,000 $ 139,000
Lincoln, Maine 1 $ 125,000 $ 125,000 $ 90,000
Prince George's, Maryland 1 $ 405,000 $ 405,000 $ 126,000
Barnstable, Massachusetts 1 $ 285,000 $ 285,000 $ 322,000
Middlesex, Massachusetts 1 $ 1,505,000 $ 1,505,000 $ 0
Allegan, Michigan 1 $ 115,000 $ 115,000 $ 49,000
Jackson, Michigan 1 $ 185,000 $ 185,000 $ 156,000
Kent, Michigan 1 $ 245,000 $ 245,000 $ 0
Roscommon, Michigan 1 $ 135,000 $ 135,000 $ 95,000
Saginaw, Michigan 1 $ 1,595,000 $ 1,595,000 $ 0
Tuscola, Michigan 1 $ 65,000 $ 65,000 $ 34,000
Dakota, Minnesota 1 $ 2,105,000 $ 2,105,000 $ 0
Alcorn, Mississippi 1 $ 125,000 $ 125,000 $ 93,000
Benton, Mississippi 1 $ 585,000 $ 585,000 $ 177,000
Hinds, Mississippi 1 $ 7,355,000 $ 7,355,000 $ 0
Rankin, Mississippi 1 $ 185,000 $ 185,000 $ 58,000
Tallahatchie, Mississippi 1 $ 85,000 $ 85,000 $ 87,000
Tippah, Mississippi 1 $ 75,000 $ 75,000 $ 15,000
Boone, Missouri 1 $ 175,000 $ 175,000 $ 58,000
Belknap, New Hampshire 1 $ 445,000 $ 445,000 $ 306,000
Hillsborough, New Hampshire 1 $ 1,125,000 $ 1,125,000 $ 0
Essex, New Jersey 1 $ 925,000 $ 925,000 $ 0
Mercer, New Jersey 1 $ 295,000 $ 295,000 $ 76,000
Santa Fe, New Mexico 1 $ 295,000 $ 295,000 $ 75,000
Bronx, New York 1 $ 3,945,000 $ 3,945,000 $ 0
Monroe, New York 1 $ 485,000 $ 485,000 $ 325,000
Richmond, New York 1 $ 3,655,000 $ 3,655,000 $ 0
Alleghany, North Carolina 1 $ 205,000 $ 205,000 $ 345,000
Beaufort, North Carolina 1 $ 65,000 $ 65,000 $ 125,000
Caswell, North Carolina 1 $ 65,000 $ 65,000 $ 156,000
Columbus, North Carolina 1 $ 195,000 $ 195,000 $ 61,000
Currituck, North Carolina 1 $ 635,000 $ 635,000 $ 279,000
Dare, North Carolina 1 $ 665,000 $ 665,000 $ 0
Edgecombe, North Carolina 1 $ 75,000 $ 75,000 $ 58,000
Harnett, North Carolina 1 $ 115,000 $ 115,000 $ 50,000
Madison, North Carolina 1 $ 335,000 $ 335,000 $ 790,000
Robeson, North Carolina 1 $ 155,000 $ 155,000 $ 61,000
Rutherford, North Carolina 1 $ 305,000 $ 305,000 $ 294,000
Wilson, North Carolina 1 $ 85,000 $ 85,000 $ 47,000
Yancey, North Carolina 1 $ 215,000 $ 215,000 $ 293,000
Cass, North Dakota 1 $ 5,555,000 $ 5,555,000 $ 0
Butler, Ohio 1 $ 2,855,000 $ 2,855,000 $ 0
Jefferson, Ohio 1 $ 45,000 $ 45,000 $ 116,000
Lucas, Ohio 1 $ 5,005,000 $ 5,005,000 $ 0
Seneca, Ohio 1 $ 2,445,000 $ 2,445,000 $ 0
Cleveland, Oklahoma 1 $ 1,515,000 $ 1,515,000 $ 0
Luzerne, Pennsylvania 1 $ 455,000 $ 455,000 $ 197,000
Calhoun, South Carolina 1 $ 235,000 $ 235,000 $ 104,000
Chesterfield, South Carolina 1 $ 55,000 $ 55,000 $ 75,000
Colleton, South Carolina 1 $ 605,000 $ 605,000 $ 254,000
Edgefield, South Carolina 1 $ 285,000 $ 285,000 $ 138,000
Hampton, South Carolina 1 $ 65,000 $ 65,000 $ 47,000
McCormick, South Carolina 1 $ 405,000 $ 405,000 $ 156,000
Newberry, South Carolina 1 $ 85,000 $ 85,000 $ 49,000
Union, South Carolina 1 $ 55,000 $ 55,000 $ 60,000
Campbell, Tennessee 1 $ 285,000 $ 285,000 $ 114,000
Dyer, Tennessee 1 $ 185,000 $ 185,000 $ 82,000
Gibson, Tennessee 1 $ 55,000 $ 55,000 $ 53,000
Greene, Tennessee 1 $ 105,000 $ 105,000 $ 83,000
Hawkins, Tennessee 1 $ 255,000 $ 255,000 $ 145,000
Haywood, Tennessee 1 $ 105,000 $ 105,000 $ 67,000
Johnson, Tennessee 1 $ 165,000 $ 165,000 $ 45,000
Lincoln, Tennessee 1 $ 185,000 $ 185,000 $ 47,000
Madison, Tennessee 1 $ 95,000 $ 95,000 $ 41,000
Meigs, Tennessee 1 $ 165,000 $ 165,000 $ 370,000
Overton, Tennessee 1 $ 305,000 $ 305,000 $ 99,000
Scott, Tennessee 1 $ 315,000 $ 315,000 $ 77,000
Sullivan, Tennessee 1 $ 25,000 $ 25,000 $ 24,000
Cooke, Texas 1 $ 715,000 $ 715,000 $ 400,000
Fort Bend, Texas 1 $ 675,000 $ 675,000 $ 2,000,000
Galveston, Texas 1 $ 1,485,000 $ 1,485,000 $ 776,000
Hays, Texas 1 $ 105,000 $ 105,000 $ 78,000
Henderson, Texas 1 $ 255,000 $ 255,000 $ 731,000
Lubbock, Texas 1 $ 175,000 $ 175,000 $ 43,000
Nueces, Texas 1 $ 1,655,000 $ 1,655,000 $ 0
Orange, Texas 1 $ 105,000 $ 105,000 $ 61,000
Presidio, Texas 1 $ 205,000 $ 205,000 $ 311,000
Rockwall, Texas 1 $ 725,000 $ 725,000 $ 179,000
Webb, Texas 1 $ 1,005,000 $ 1,005,000 $ 0
Williamson, Texas 1 $ 3,385,000 $ 3,385,000 $ 0
Davis, Utah 1 $ 285,000 $ 285,000 $ 401,000
Salt Lake, Utah 1 $ 305,000 $ 305,000 $ 223,000
Uintah, Utah 1 $ 1,055,000 $ 1,055,000 $ 0
Washington, Utah 1 $ 375,000 $ 375,000 $ 179,000
Alleghany, Virginia 1 $ 265,000 $ 265,000 $ 127,000
Bath, Virginia 1 $ 145,000 $ 145,000 $ 0
Charlottesville, Virginia 1 $ 65,000 $ 65,000 $ 120,000
Craig, Virginia 1 $ 55,000 $ 55,000 $ 102,000
Floyd, Virginia 1 $ 105,000 $ 105,000 $ 844,000
Giles, Virginia 1 $ 15,000 $ 15,000 $ 42,000
Harrisonburg, Virginia 1 $ 105,000 $ 105,000 $ 45,000
Patrick, Virginia 1 $ 65,000 $ 65,000 $ 0
Prince Edward, Virginia 1 $ 265,000 $ 265,000 $ 107,000
Pulaski, Virginia 1 $ 55,000 $ 55,000 $ 113,000
Mercer, West Virginia 1 $ 45,000 $ 45,000 $ 30,000

Mortgage Loan Application Detail Totals for Pinnacle Bank in 2019

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 6,324 $2,035,570,000 $321,000 $34,465,000 $140,000 $6,347,000
Refinancing 1,862 $867,520,000 $465,000 $36,005,000 $196,000 $2,579,000
Other Purpose 1,463 $215,835,000 $147,000 $4,285,000 $180,000 $2,600,000
Home Improvement 1,007 $120,095,000 $119,000 $10,205,000 $162,000 $1,925,000
Cash-out Refinancing 733 $194,345,000 $265,000 $2,205,000 $131,000 $1,902,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 7,383 $1,952,415,000 $264,000 $11,005,000 $164,000 $6,347,000
Not Provided 1,422 $325,240,000 $228,000 $2,705,000 $195,000 $2,579,000
Black or African American 1,175 $210,175,000 $178,000 $965,000 $75,000 $3,500,000
Not applicable 808 $815,500,000 $1,009,000 $36,005,000 $0 $0
Hispanic 301 $58,235,000 $193,000 $835,000 $83,000 $2,307,000
Asian 239 $57,765,000 $241,000 $2,975,000 $131,000 $1,042,000
American Indian or Alaskan Native 12 $1,880,000 $156,000 $355,000 $81,000 $200,000
Native Hawaiian or Other Pacific Islander 10 $2,120,000 $212,000 $385,000 $141,000 $440,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 10,262 $3,186,540,000 $310,000 $36,005,000 $165,000 $6,347,000
FHA-insured (Federal Housing Administration) 742 $148,900,000 $200,000 $545,000 $69,000 $343,000
VA-guaranteed (Veterans Administration) 259 $75,795,000 $292,000 $625,000 $93,000 $305,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 126 $22,130,000 $175,000 $365,000 $55,000 $104,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 8,635 $2,797,865,000 $324,000 $36,005,000 $160,000 $6,347,000
Application Withdrawn By Applicant 1,041 $303,915,000 $291,000 $5,265,000 $147,000 $2,088,000
Application Denied By Financial Institution 930 $180,890,000 $194,000 $3,655,000 $104,000 $4,067,000
Application Approved But Not Accepted 583 $138,905,000 $238,000 $11,005,000 $189,000 $1,624,000
Loan Purchased By The Institution 168 $2,200,000 $13,000 $15,000 $0 $0
File Closed For Incompleteness 31 $8,685,000 $280,000 $985,000 $140,000 $694,000
Preapproval Denied by Financial Institution 1 $905,000 $905,000 $905,000 $300,000 $300,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 10,458 $3,251,570,000 $310,000 $36,005,000 $160,000 $6,347,000
Debt-To-Income Ratio 440 $93,190,000 $211,000 $2,975,000 $85,000 $1,460,000
Credit History 277 $28,425,000 $102,000 $1,165,000 $89,000 $520,000
Collateral 108 $22,500,000 $208,000 $3,655,000 $197,000 $4,067,000
Other 37 $20,355,000 $550,000 $2,815,000 $150,000 $731,000
Unverifiable Information 32 $8,420,000 $263,000 $1,385,000 $160,000 $850,000
Employment History 19 $4,265,000 $224,000 $605,000 $121,000 $840,000
Insufficient Cash (Downpayment, Closing Cost) 15 $3,315,000 $221,000 $605,000 $108,000 $433,000
Credit Application Incomplete 3 $1,325,000 $441,000 $885,000 $48,000 $48,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Pinnacle Bank's 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Pinnacle Bank's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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