Pinnacle Bank Mortgage Lending & HMDA Data, 2020

In 2020, Pinnacle Bank of Nashville, TN reported 14,129 mortgage applications totaling $4.7 billion, up 24% from 2019. The average application was for $335,326, and applicants reported an average income of $185,019. 76% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (4,853), Memphis, TN-MS-AR (2,239) and Knoxville, TN (1,091) (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 14,129
Total Mortgage Loan Application Amount $4,737,835,000
Average Mortgage Loan Application Amount $335,326
Highest Mortgage Loan Application Amount $45,555,000
Average Applicant Income $185,019
Highest Applicant Income $8,400,000

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Act (HMDA) records Pinnacle Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2020

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Davidson, Tennessee 1,897 $ 645,115,000 $ 340,071 $ 231,000
Shelby, Tennessee 1,751 $ 372,125,000 $ 212,521 $ 151,000
Williamson, Tennessee 968 $ 371,980,000 $ 384,276 $ 240,000
Rutherford, Tennessee 827 $ 201,935,000 $ 244,177 $ 108,000
Knox, Tennessee 633 $ 179,475,000 $ 283,530 $ 183,000
Hamilton, Tennessee 557 $ 199,485,000 $ 358,141 $ 199,000
Mecklenburg, North Carolina 449 $ 216,065,000 $ 481,213 $ 253,000
Sumner, Tennessee 400 $ 104,370,000 $ 260,925 $ 161,000
Wilson, Tennessee 400 $ 103,460,000 $ 258,650 $ 145,000
Charleston, South Carolina 375 $ 144,575,000 $ 385,533 $ 210,000
Guilford, North Carolina 372 $ 92,510,000 $ 248,682 $ 132,000
Blount, Tennessee 320 $ 99,930,000 $ 312,281 $ 157,000
DeSoto, Mississippi 291 $ 62,375,000 $ 214,347 $ 91,000
Greenville, South Carolina 216 $ 83,830,000 $ 388,101 $ 147,000
Forsyth, North Carolina 211 $ 94,455,000 $ 447,654 $ 155,000
Davidson, North Carolina 203 $ 37,845,000 $ 186,428 $ 137,000
Wake, North Carolina 188 $ 82,510,000 $ 438,882 $ 188,000
Cabarrus, North Carolina 141 $ 31,335,000 $ 222,234 $ 144,000
Randolph, North Carolina 139 $ 19,275,000 $ 138,669 $ 104,000
Iredell, North Carolina 105 $ 29,625,000 $ 282,142 $ 280,000
Beaufort, South Carolina 101 $ 25,625,000 $ 253,712 $ 230,000
Union, North Carolina 100 $ 59,280,000 $ 592,800 $ 151,000
Roanoke, Virginia 100 $ 20,080,000 $ 200,800 $ 187,000
Cheatham, Tennessee 99 $ 16,085,000 $ 162,474 $ 107,000
Maury, Tennessee 95 $ 20,135,000 $ 211,947 $ 106,000
Fayette, Tennessee 93 $ 23,655,000 $ 254,354 $ 128,000
Horry, South Carolina 91 $ 59,125,000 $ 649,725 $ 228,000
Durham, North Carolina 87 $ 20,195,000 $ 232,126 $ 143,000
Stanly, North Carolina 86 $ 14,050,000 $ 163,372 $ 86,000
Robertson, Tennessee 76 $ 14,740,000 $ 193,947 $ 124,000
Roanoke City, Virginia 70 $ 14,600,000 $ 208,571 $ 171,000
Bradley, Tennessee 67 $ 17,585,000 $ 262,462 $ 147,000
Berkeley, South Carolina 60 $ 15,840,000 $ 264,000 $ 150,000
Fulton, Georgia 58 $ 26,020,000 $ 448,620 $ 338,000
Rowan, North Carolina 57 $ 9,835,000 $ 172,543 $ 128,000
Walton, Florida 56 $ 45,220,000 $ 807,500 $ 610,000
Loudon, Tennessee 55 $ 20,915,000 $ 380,272 $ 181,000
Dorchester, South Carolina 52 $ 19,090,000 $ 367,115 $ 95,000
Dickson, Tennessee 49 $ 10,865,000 $ 221,734 $ 147,000
Tipton, Tennessee 48 $ 7,930,000 $ 165,208 $ 85,000
Sevier, Tennessee 47 $ 15,345,000 $ 326,489 $ 230,000
Catoosa, Georgia 46 $ 10,730,000 $ 233,260 $ 128,000
Walker, Georgia 45 $ 9,315,000 $ 207,000 $ 108,000
York, South Carolina 43 $ 36,275,000 $ 843,604 $ 105,000
Orange, North Carolina 42 $ 9,710,000 $ 231,190 $ 176,000
Buncombe, North Carolina 40 $ 11,760,000 $ 294,000 $ 227,000
Spartanburg, South Carolina 40 $ 10,480,000 $ 262,000 $ 124,000
Bedford, Tennessee 38 $ 6,270,000 $ 165,000 $ 85,000
Roane, Tennessee 37 $ 12,405,000 $ 335,270 $ 246,000
Anderson, South Carolina 35 $ 8,745,000 $ 249,857 $ 133,000
Franklin, Virginia 34 $ 14,370,000 $ 422,647 $ 525,000
Brunswick, North Carolina 32 $ 9,870,000 $ 308,437 $ 297,000
Marshall, Tennessee 32 $ 6,650,000 $ 207,812 $ 88,000
Alamance, North Carolina 29 $ 35,445,000 $ 1,222,241 $ 111,000
Chatham, North Carolina 28 $ 9,960,000 $ 355,714 $ 153,000
Pickens, South Carolina 28 $ 3,680,000 $ 131,428 $ 87,000
Columbia, Georgia 27 $ 7,215,000 $ 267,222 $ 143,000
Anderson, Tennessee 27 $ 5,575,000 $ 206,481 $ 151,000
Montgomery, Tennessee 27 $ 4,405,000 $ 163,148 $ 83,000
Franklin, Tennessee 25 $ 10,125,000 $ 405,000 $ 315,000
Los Angeles, California 24 $ 51,370,000 $ 2,140,416 $ 1,708,000
Gaston, North Carolina 23 $ 6,425,000 $ 279,347 $ 150,000
Tate, Mississippi 21 $ 3,415,000 $ 162,619 $ 74,000
New Hanover, North Carolina 21 $ 33,205,000 $ 1,581,190 $ 159,000
Cannon, Tennessee 21 $ 2,905,000 $ 138,333 $ 140,000
Botetourt, Virginia 21 $ 5,695,000 $ 271,190 $ 163,000
Cobb, Georgia 20 $ 6,910,000 $ 345,500 $ 318,000
Lincoln, North Carolina 19 $ 5,135,000 $ 270,263 $ 176,000
Watauga, North Carolina 19 $ 6,175,000 $ 325,000 $ 249,000
DeKalb, Georgia 18 $ 6,180,000 $ 343,333 $ 318,000
Rockingham, North Carolina 18 $ 3,340,000 $ 185,555 $ 150,000
Coffee, Tennessee 18 $ 3,750,000 $ 208,333 $ 68,000
Salem, Virginia 18 $ 4,070,000 $ 226,111 $ 128,000
Johnston, North Carolina 17 $ 3,455,000 $ 203,235 $ 78,000
Bedford, Virginia 17 $ 6,385,000 $ 375,588 $ 220,000
Pulaski, Arkansas 16 $ 1,750,000 $ 109,375 $ 105,000
Oakland, Michigan 14 $ 12,360,000 $ 882,857 $ 185,000
Carteret, North Carolina 14 $ 5,760,000 $ 411,428 $ 283,000
Hardin, Tennessee 14 $ 3,620,000 $ 258,571 $ 187,000
Marshall, Mississippi 13 $ 2,165,000 $ 166,538 $ 87,000
Catawba, North Carolina 13 $ 6,165,000 $ 474,230 $ 229,000
DeKalb, Tennessee 13 $ 3,615,000 $ 278,076 $ 339,000
Okaloosa, Florida 12 $ 4,650,000 $ 387,500 $ 322,000
Tunica, Mississippi 12 $ 1,630,000 $ 135,833 $ 81,000
Montgomery, North Carolina 12 $ 3,640,000 $ 303,333 $ 189,000
Bay, Florida 11 $ 4,225,000 $ 384,090 $ 263,000
Chatham, Georgia 11 $ 2,185,000 $ 198,636 $ 164,000
Dade, Georgia 11 $ 2,895,000 $ 263,181 $ 196,000
Kings, New York 11 $ 33,885,000 $ 3,080,454 $ 0
Davie, North Carolina 11 $ 2,715,000 $ 246,818 $ 134,000
Jackson, North Carolina 11 $ 4,705,000 $ 427,727 $ 753,000
Lancaster, South Carolina 11 $ 2,055,000 $ 186,818 $ 170,000
Crittenden, Arkansas 10 $ 5,750,000 $ 575,000 $ 206,000
Tishomingo, Mississippi 10 $ 2,570,000 $ 257,000 $ 365,000
Henderson, North Carolina 10 $ 4,010,000 $ 401,000 $ 244,000
Monroe, Tennessee 10 $ 2,770,000 $ 277,000 $ 142,000
Smith, Tennessee 10 $ 1,680,000 $ 168,000 $ 70,000
Union, Tennessee 10 $ 1,270,000 $ 127,000 $ 53,000
Baldwin, Alabama 9 $ 3,535,000 $ 392,777 $ 297,000
Maricopa, Arizona 9 $ 11,995,000 $ 1,332,777 $ 544,000
Broward, Florida 9 $ 3,205,000 $ 356,111 $ 227,000
Richmond, Georgia 9 $ 1,065,000 $ 118,333 $ 98,000
Colleton, South Carolina 9 $ 1,755,000 $ 195,000 $ 254,000
Cherokee, Georgia 8 $ 1,210,000 $ 151,250 $ 282,000
Forsyth, Georgia 8 $ 1,170,000 $ 146,250 $ 192,000
Hamilton, Ohio 8 $ 14,050,000 $ 1,756,250 $ 100,000
Oconee, South Carolina 8 $ 3,480,000 $ 435,000 $ 355,000
Richland, South Carolina 8 $ 1,870,000 $ 233,750 $ 193,000
Hickman, Tennessee 8 $ 1,160,000 $ 145,000 $ 122,000
Humphreys, Tennessee 8 $ 1,640,000 $ 205,000 $ 55,000
Jefferson, Tennessee 8 $ 1,340,000 $ 167,500 $ 103,000
Putnam, Tennessee 8 $ 2,050,000 $ 256,250 $ 105,000
Lauderdale, Alabama 7 $ 2,435,000 $ 347,857 $ 625,000
Cleburne, Arkansas 7 $ 1,495,000 $ 213,571 $ 421,000
Pinellas, Florida 7 $ 2,935,000 $ 419,285 $ 357,000
Gwinnett, Georgia 7 $ 1,855,000 $ 265,000 $ 377,000
Franklin, North Carolina 7 $ 1,325,000 $ 189,285 $ 61,000
Haywood, North Carolina 7 $ 1,445,000 $ 206,428 $ 237,000
Georgetown, South Carolina 7 $ 1,955,000 $ 279,285 $ 239,000
Gibson, Tennessee 7 $ 675,000 $ 96,428 $ 82,000
Macon, Tennessee 7 $ 1,245,000 $ 177,857 $ 55,000
Sequatchie, Tennessee 7 $ 2,125,000 $ 303,571 $ 100,000
Escambia, Florida 6 $ 1,900,000 $ 316,666 $ 174,000
Monroe, Florida 6 $ 3,330,000 $ 555,000 $ 456,000
Palm Beach, Florida 6 $ 6,500,000 $ 1,083,333 $ 672,000
Sarasota, Florida 6 $ 3,880,000 $ 646,666 $ 663,000
Fayette, Georgia 6 $ 1,970,000 $ 328,333 $ 215,000
Avery, North Carolina 6 $ 2,460,000 $ 410,000 $ 519,000
Cumberland, North Carolina 6 $ 2,230,000 $ 371,666 $ 66,000
Campbell, Tennessee 6 $ 1,780,000 $ 296,666 $ 151,000
Grainger, Tennessee 6 $ 1,290,000 $ 215,000 $ 110,000
McMinn, Tennessee 6 $ 970,000 $ 161,666 $ 132,000
Washington, Tennessee 6 $ 6,030,000 $ 1,005,000 $ 88,000
White, Tennessee 6 $ 1,780,000 $ 296,666 $ 172,000
Fairfax, Virginia 6 $ 2,460,000 $ 410,000 $ 338,000
Richmond City, Virginia 6 $ 10,430,000 $ 1,738,333 $ 40,000
Jefferson, Alabama 5 $ 1,145,000 $ 229,000 $ 141,000
Madison, Alabama 5 $ 1,525,000 $ 305,000 $ 162,000
Shelby, Alabama 5 $ 1,595,000 $ 319,000 $ 108,000
San Diego, California 5 $ 5,425,000 $ 1,085,000 $ 228,000
St. Johns, Florida 5 $ 2,055,000 $ 411,000 $ 154,000
Volusia, Florida 5 $ 1,585,000 $ 317,000 $ 337,000
Whitfield, Georgia 5 $ 1,045,000 $ 209,000 $ 236,000
Cook, Illinois 5 $ 6,695,000 $ 1,339,000 $ 160,000
Jefferson, Kentucky 5 $ 4,945,000 $ 989,000 $ 118,000
Simpson, Kentucky 5 $ 805,000 $ 161,000 $ 85,000
Wayne, Michigan 5 $ 4,075,000 $ 815,000 $ 31,000
Lafayette, Mississippi 5 $ 1,475,000 $ 295,000 $ 225,000
Clark, Nevada 5 $ 4,725,000 $ 945,000 $ 219,000
Caldwell, North Carolina 5 $ 1,375,000 $ 275,000 $ 256,000
Cleveland, North Carolina 5 $ 3,455,000 $ 691,000 $ 117,000
Moore, North Carolina 5 $ 1,205,000 $ 241,000 $ 162,000
Stokes, North Carolina 5 $ 295,000 $ 59,000 $ 132,000
Chesterfield, South Carolina 5 $ 915,000 $ 183,000 $ 42,000
Cumberland, Tennessee 5 $ 1,245,000 $ 249,000 $ 71,000
Lawrence, Tennessee 5 $ 965,000 $ 193,000 $ 71,000
Rhea, Tennessee 5 $ 1,725,000 $ 345,000 $ 323,000
Sullivan, Tennessee 5 $ 945,000 $ 189,000 $ 120,000
Warren, Tennessee 5 $ 1,645,000 $ 329,000 $ 757,000
Dallas, Texas 5 $ 5,155,000 $ 1,031,000 $ 643,000
Harris, Texas 5 $ 5,505,000 $ 1,101,000 $ 108,000
Jefferson, Texas 5 $ 24,015,000 $ 4,803,000 $ 0
Montgomery, Virginia 5 $ 15,935,000 $ 3,187,000 $ 166,000
Pima, Arizona 4 $ 7,430,000 $ 1,857,500 $ 203,000
Denver, Colorado 4 $ 2,740,000 $ 685,000 $ 154,000
Larimer, Colorado 4 $ 1,430,000 $ 357,500 $ 164,000
Collier, Florida 4 $ 25,230,000 $ 6,307,500 $ 3,090,000
Duval, Florida 4 $ 650,000 $ 162,500 $ 93,000
Lee, Florida 4 $ 1,190,000 $ 297,500 $ 259,000
Clarke, Georgia 4 $ 2,030,000 $ 507,500 $ 823,000
Warren, Kentucky 4 $ 950,000 $ 237,500 $ 116,000
Jackson, Missouri 4 $ 9,270,000 $ 2,317,500 $ 715,000
Bernalillo, New Mexico 4 $ 6,290,000 $ 1,572,500 $ 388,000
Pitt, North Carolina 4 $ 32,980,000 $ 8,245,000 $ 144,000
Surry, North Carolina 4 $ 2,620,000 $ 655,000 $ 186,000
Transylvania, North Carolina 4 $ 1,230,000 $ 307,500 $ 135,000
Lexington, South Carolina 4 $ 2,740,000 $ 685,000 $ 159,000
Henry, Tennessee 4 $ 500,000 $ 125,000 $ 119,000
Madison, Tennessee 4 $ 400,000 $ 100,000 $ 92,000
Marion, Tennessee 4 $ 1,170,000 $ 292,500 $ 243,000
Trousdale, Tennessee 4 $ 620,000 $ 155,000 $ 54,000
Tarrant, Texas 4 $ 3,380,000 $ 845,000 $ 716,000
Lynchburg, Virginia 4 $ 3,080,000 $ 770,000 $ 230,000
Greenbrier, West Virginia 4 $ 1,810,000 $ 452,500 $ 249,000
DeKalb, Alabama 3 $ 465,000 $ 155,000 $ 67,000
Winston, Alabama 3 $ 1,635,000 $ 545,000 $ 909,000
Garland, Arkansas 3 $ 555,000 $ 185,000 $ 94,000
District of Columbia, District Of Columbia 3 $ 2,735,000 $ 911,666 $ 604,000
Clay, Florida 3 $ 845,000 $ 281,666 $ 115,000
Manatee, Florida 3 $ 1,265,000 $ 421,666 $ 241,000
Orange, Florida 3 $ 795,000 $ 265,000 $ 176,000
Osceola, Florida 3 $ 915,000 $ 305,000 $ 158,000
Coweta, Georgia 3 $ 665,000 $ 221,666 $ 187,000
Fannin, Georgia 3 $ 985,000 $ 328,333 $ 182,000
Glynn, Georgia 3 $ 2,495,000 $ 831,666 $ 1,036,000
Orleans, Louisiana 3 $ 575,000 $ 191,666 $ 250,000
Anson, North Carolina 3 $ 705,000 $ 235,000 $ 121,000
Caswell, North Carolina 3 $ 1,035,000 $ 345,000 $ 33,000
Clay, North Carolina 3 $ 745,000 $ 248,333 $ 216,000
Granville, North Carolina 3 $ 515,000 $ 171,666 $ 97,000
Harnett, North Carolina 3 $ 465,000 $ 155,000 $ 50,000
Pender, North Carolina 3 $ 1,575,000 $ 525,000 $ 258,000
Delaware, Ohio 3 $ 7,725,000 $ 2,575,000 $ 222,000
Oklahoma, Oklahoma 3 $ 7,955,000 $ 2,651,666 $ 0
Laurens, South Carolina 3 $ 315,000 $ 105,000 $ 122,000
Sumter, South Carolina 3 $ 495,000 $ 165,000 $ 94,000
Bledsoe, Tennessee 3 $ 785,000 $ 261,666 $ 137,000
Giles, Tennessee 3 $ 2,035,000 $ 678,333 $ 810,000
Hamblen, Tennessee 3 $ 555,000 $ 185,000 $ 157,000
Lauderdale, Tennessee 3 $ 335,000 $ 111,666 $ 134,000
Lewis, Tennessee 3 $ 1,035,000 $ 345,000 $ 126,000
McNairy, Tennessee 3 $ 565,000 $ 188,333 $ 330,000
Meigs, Tennessee 3 $ 675,000 $ 225,000 $ 317,000
Morgan, Tennessee 3 $ 635,000 $ 211,666 $ 102,000
Polk, Tennessee 3 $ 735,000 $ 245,000 $ 113,000
Marshall, Alabama 2 $ 420,000 $ 210,000 $ 36,000
Tuscaloosa, Alabama 2 $ 520,000 $ 260,000 $ 86,000
Yavapai, Arizona 2 $ 990,000 $ 495,000 $ 117,000
Benton, Arkansas 2 $ 440,000 $ 220,000 $ 141,000
Fulton, Arkansas 2 $ 360,000 $ 180,000 $ 127,000
Van Buren, Arkansas 2 $ 480,000 $ 240,000 $ 261,000
Washington, Arkansas 2 $ 460,000 $ 230,000 $ 308,000
Alameda, California 2 $ 2,960,000 $ 1,480,000 $ 1,620,000
Napa, California 2 $ 680,000 $ 340,000 $ 390,000
San Mateo, California 2 $ 3,960,000 $ 1,980,000 $ 0
Douglas, Colorado 2 $ 1,200,000 $ 600,000 $ 317,000
El Paso, Colorado 2 $ 1,220,000 $ 610,000 $ 247,000
Garfield, Colorado 2 $ 900,000 $ 450,000 $ 241,000
Fairfield, Connecticut 2 $ 700,000 $ 350,000 $ 239,000
Gulf, Florida 2 $ 980,000 $ 490,000 $ 229,000
Hillsborough, Florida 2 $ 2,930,000 $ 1,465,000 $ 1,315,000
Martin, Florida 2 $ 840,000 $ 420,000 $ 170,000
Santa Rosa, Florida 2 $ 700,000 $ 350,000 $ 119,000
Sumter, Florida 2 $ 690,000 $ 345,000 $ 373,000
Hall, Georgia 2 $ 420,000 $ 210,000 $ 159,000
Houston, Georgia 2 $ 220,000 $ 110,000 $ 85,000
Jackson, Georgia 2 $ 290,000 $ 145,000 $ 204,000
Laurens, Georgia 2 $ 130,000 $ 65,000 $ 152,000
Muscogee, Georgia 2 $ 280,000 $ 140,000 $ 87,000
Blaine, Idaho 2 $ 2,240,000 $ 1,120,000 $ 3,204,000
DuPage, Illinois 2 $ 1,220,000 $ 610,000 $ 318,000
Lake, Illinois 2 $ 2,040,000 $ 1,020,000 $ 451,000
Clark, Indiana 2 $ 750,000 $ 375,000 $ 141,000
Logan, Kentucky 2 $ 350,000 $ 175,000 $ 117,000
McCracken, Kentucky 2 $ 470,000 $ 235,000 $ 1,070,000
Trigg, Kentucky 2 $ 360,000 $ 180,000 $ 258,000
Woodford, Kentucky 2 $ 430,000 $ 215,000 $ 204,000
Norfolk, Massachusetts 2 $ 3,890,000 $ 1,945,000 $ 0
Macomb, Michigan 2 $ 310,000 $ 155,000 $ 91,000
Panola, Mississippi 2 $ 490,000 $ 245,000 $ 107,000
St. Charles, Missouri 2 $ 500,000 $ 250,000 $ 620,000
St. Louis, Missouri 2 $ 1,040,000 $ 520,000 $ 120,000
Mercer, New Jersey 2 $ 800,000 $ 400,000 $ 96,000
New York, New York 2 $ 1,630,000 $ 815,000 $ 369,000
Alexander, North Carolina 2 $ 570,000 $ 285,000 $ 131,000
Alleghany, North Carolina 2 $ 540,000 $ 270,000 $ 145,000
Ashe, North Carolina 2 $ 500,000 $ 250,000 $ 141,000
Cherokee, North Carolina 2 $ 590,000 $ 295,000 $ 235,000
Dare, North Carolina 2 $ 550,000 $ 275,000 $ 87,000
Graham, North Carolina 2 $ 390,000 $ 195,000 $ 193,000
Hyde, North Carolina 2 $ 970,000 $ 485,000 $ 646,000
Lee, North Carolina 2 $ 440,000 $ 220,000 $ 291,000
Macon, North Carolina 2 $ 1,250,000 $ 625,000 $ 101,000
McDowell, North Carolina 2 $ 990,000 $ 495,000 $ 564,000
Onslow, North Carolina 2 $ 120,000 $ 60,000 $ 0
Person, North Carolina 2 $ 650,000 $ 325,000 $ 112,000
Polk, North Carolina 2 $ 720,000 $ 360,000 $ 172,000
Swain, North Carolina 2 $ 520,000 $ 260,000 $ 162,000
Wilkes, North Carolina 2 $ 550,000 $ 275,000 $ 93,000
Yadkin, North Carolina 2 $ 680,000 $ 340,000 $ 160,000
Stark, North Dakota 2 $ 4,580,000 $ 2,290,000 $ 0
Franklin, Ohio 2 $ 3,520,000 $ 1,760,000 $ 0
Tulsa, Oklahoma 2 $ 2,820,000 $ 1,410,000 $ 0
Klamath, Oregon 2 $ 3,730,000 $ 1,865,000 $ 0
Multnomah, Oregon 2 $ 710,000 $ 355,000 $ 329,000
Claiborne, Tennessee 2 $ 450,000 $ 225,000 $ 167,000
Hardeman, Tennessee 2 $ 710,000 $ 355,000 $ 391,000
Hawkins, Tennessee 2 $ 960,000 $ 480,000 $ 165,000
Jackson, Tennessee 2 $ 750,000 $ 375,000 $ 199,000
Overton, Tennessee 2 $ 410,000 $ 205,000 $ 46,000
Scott, Tennessee 2 $ 410,000 $ 205,000 $ 57,000
Travis, Texas 2 $ 3,640,000 $ 1,820,000 $ 70,000
Salt Lake, Utah 2 $ 480,000 $ 240,000 $ 136,000
Craig, Virginia 2 $ 360,000 $ 180,000 $ 44,000
Washington, Virginia 2 $ 410,000 $ 205,000 $ 152,000
King, Washington 2 $ 980,000 $ 490,000 $ 111,000
Pierce, Washington 2 $ 1,690,000 $ 845,000 $ 106,000
Dane, Wisconsin 2 $ 5,920,000 $ 2,960,000 $ 0
Cherokee, Alabama 1 $ 605,000 $ 605,000 $ 0
Colbert, Alabama 1 $ 315,000 $ 315,000 $ 175,000
Cullman, Alabama 1 $ 515,000 $ 515,000 $ 405,000
Jackson, Alabama 1 $ 245,000 $ 245,000 $ 39,000
Limestone, Alabama 1 $ 185,000 $ 185,000 $ 0
Mobile, Alabama 1 $ 95,000 $ 95,000 $ 95,000
Talladega, Alabama 1 $ 105,000 $ 105,000 $ 204,000
Pinal, Arizona 1 $ 3,755,000 $ 3,755,000 $ 0
Boone, Arkansas 1 $ 515,000 $ 515,000 $ 284,000
Craighead, Arkansas 1 $ 135,000 $ 135,000 $ 56,000
Greene, Arkansas 1 $ 135,000 $ 135,000 $ 62,000
Lonoke, Arkansas 1 $ 85,000 $ 85,000 $ 37,000
Poinsett, Arkansas 1 $ 95,000 $ 95,000 $ 40,000
White, Arkansas 1 $ 185,000 $ 185,000 $ 45,000
Fresno, California 1 $ 2,895,000 $ 2,895,000 $ 0
Marin, California 1 $ 1,005,000 $ 1,005,000 $ 636,000
Mariposa, California 1 $ 215,000 $ 215,000 $ 698,000
Monterey, California 1 $ 2,005,000 $ 2,005,000 $ 0
Orange, California 1 $ 345,000 $ 345,000 $ 165,000
San Bernardino, California 1 $ 335,000 $ 335,000 $ 360,000
Arapahoe, Colorado 1 $ 285,000 $ 285,000 $ 103,000
Chaffee, Colorado 1 $ 255,000 $ 255,000 $ 191,000
Gunnison, Colorado 1 $ 515,000 $ 515,000 $ 528,000
Jefferson, Colorado 1 $ 1,005,000 $ 1,005,000 $ 0
La Plata, Colorado 1 $ 675,000 $ 675,000 $ 388,000
Hartford, Connecticut 1 $ 6,005,000 $ 6,005,000 $ 0
Brevard, Florida 1 $ 515,000 $ 515,000 $ 285,000
Charlotte, Florida 1 $ 135,000 $ 135,000 $ 46,000
Citrus, Florida 1 $ 125,000 $ 125,000 $ 435,000
Columbia, Florida 1 $ 275,000 $ 275,000 $ 750,000
Flagler, Florida 1 $ 515,000 $ 515,000 $ 240,000
Lake, Florida 1 $ 225,000 $ 225,000 $ 51,000
Miami-Dade, Florida 1 $ 1,085,000 $ 1,085,000 $ 2,514,000
Nassau, Florida 1 $ 105,000 $ 105,000 $ 67,000
Seminole, Florida 1 $ 145,000 $ 145,000 $ 60,000
St. Lucie, Florida 1 $ 245,000 $ 245,000 $ 105,000
Bartow, Georgia 1 $ 1,685,000 $ 1,685,000 $ 877,000
Bibb, Georgia 1 $ 2,755,000 $ 2,755,000 $ 0
Dawson, Georgia 1 $ 125,000 $ 125,000 $ 268,000
Elbert, Georgia 1 $ 135,000 $ 135,000 $ 46,000
Franklin, Georgia 1 $ 325,000 $ 325,000 $ 132,000
Hart, Georgia 1 $ 165,000 $ 165,000 $ 67,000
Lowndes, Georgia 1 $ 3,005,000 $ 3,005,000 $ 0
Lumpkin, Georgia 1 $ 275,000 $ 275,000 $ 88,000
Meriwether, Georgia 1 $ 255,000 $ 255,000 $ 176,000
Murray, Georgia 1 $ 55,000 $ 55,000 $ 160,000
Rabun, Georgia 1 $ 305,000 $ 305,000 $ 175,000
Walton, Georgia 1 $ 4,055,000 $ 4,055,000 $ 0
Ada, Idaho 1 $ 385,000 $ 385,000 $ 85,000
Kootenai, Idaho 1 $ 3,005,000 $ 3,005,000 $ 1,718,000
Madison, Illinois 1 $ 205,000 $ 205,000 $ 0
Tazewell, Illinois 1 $ 155,000 $ 155,000 $ 110,000
Floyd, Indiana 1 $ 445,000 $ 445,000 $ 210,000
Hamilton, Indiana 1 $ 21,155,000 $ 21,155,000 $ 0
Hancock, Indiana 1 $ 135,000 $ 135,000 $ 88,000
Hendricks, Indiana 1 $ 275,000 $ 275,000 $ 102,000
Johnson, Indiana 1 $ 265,000 $ 265,000 $ 133,000
Marion, Indiana 1 $ 2,365,000 $ 2,365,000 $ 0
Tippecanoe, Indiana 1 $ 195,000 $ 195,000 $ 181,000
Wayne, Indiana 1 $ 5,625,000 $ 5,625,000 $ 0
Muscatine, Iowa 1 $ 35,000 $ 35,000 $ 36,000
Polk, Iowa 1 $ 505,000 $ 505,000 $ 485,000
Allen, Kentucky 1 $ 185,000 $ 185,000 $ 140,000
Bell, Kentucky 1 $ 265,000 $ 265,000 $ 45,000
Calloway, Kentucky 1 $ 355,000 $ 355,000 $ 132,000
Fayette, Kentucky 1 $ 225,000 $ 225,000 $ 118,000
Grant, Kentucky 1 $ 4,965,000 $ 4,965,000 $ 0
Marshall, Kentucky 1 $ 115,000 $ 115,000 $ 47,000
Pendleton, Kentucky 1 $ 1,315,000 $ 1,315,000 $ 0
Russell, Kentucky 1 $ 85,000 $ 85,000 $ 85,000
Shelby, Kentucky 1 $ 365,000 $ 365,000 $ 193,000
Whitley, Kentucky 1 $ 205,000 $ 205,000 $ 270,000
East Baton Rouge, Louisiana 1 $ 275,000 $ 275,000 $ 64,000
Jefferson, Louisiana 1 $ 1,385,000 $ 1,385,000 $ 1,176,000
St. Tammany, Louisiana 1 $ 285,000 $ 285,000 $ 256,000
Webster, Louisiana 1 $ 155,000 $ 155,000 $ 400,000
Baltimore, Maryland 1 $ 485,000 $ 485,000 $ 103,000
Calvert, Maryland 1 $ 505,000 $ 505,000 $ 97,000
Charles, Maryland 1 $ 285,000 $ 285,000 $ 98,000
Montgomery, Maryland 1 $ 1,035,000 $ 1,035,000 $ 305,000
Washington, Maryland 1 $ 1,205,000 $ 1,205,000 $ 0
Barnstable, Massachusetts 1 $ 385,000 $ 385,000 $ 620,000
Hampden, Massachusetts 1 $ 1,955,000 $ 1,955,000 $ 0
Suffolk, Massachusetts 1 $ 295,000 $ 295,000 $ 118,000
Lenawee, Michigan 1 $ 65,000 $ 65,000 $ 29,000
Monroe, Michigan 1 $ 1,625,000 $ 1,625,000 $ 0
Ottawa, Michigan 1 $ 125,000 $ 125,000 $ 149,000
Saginaw, Michigan 1 $ 35,000 $ 35,000 $ 183,000
Anoka, Minnesota 1 $ 5,155,000 $ 5,155,000 $ 0
Benton, Mississippi 1 $ 255,000 $ 255,000 $ 41,000
Hinds, Mississippi 1 $ 3,755,000 $ 3,755,000 $ 0
Leflore, Mississippi 1 $ 155,000 $ 155,000 $ 31,000
Tallahatchie, Mississippi 1 $ 505,000 $ 505,000 $ 389,000
Boone, Missouri 1 $ 365,000 $ 365,000 $ 129,000
Jefferson, Missouri 1 $ 105,000 $ 105,000 $ 44,000
St. Louis City, Missouri 1 $ 305,000 $ 305,000 $ 84,000
Carbon, Montana 1 $ 295,000 $ 295,000 $ 194,000
Gallatin, Montana 1 $ 225,000 $ 225,000 $ 89,000
Madison, Montana 1 $ 855,000 $ 855,000 $ 538,000
Washoe, Nevada 1 $ 475,000 $ 475,000 $ 122,000
Santa Fe, New Mexico 1 $ 455,000 $ 455,000 $ 300,000
St. Lawrence, New York 1 $ 225,000 $ 225,000 $ 194,000
Bladen, North Carolina 1 $ 85,000 $ 85,000 $ 34,000
Burke, North Carolina 1 $ 385,000 $ 385,000 $ 108,000
Columbus, North Carolina 1 $ 185,000 $ 185,000 $ 58,000
Craven, North Carolina 1 $ 255,000 $ 255,000 $ 78,000
Currituck, North Carolina 1 $ 1,205,000 $ 1,205,000 $ 314,000
Edgecombe, North Carolina 1 $ 25,000 $ 25,000 $ 36,000
Greene, North Carolina 1 $ 145,000 $ 145,000 $ 37,000
Madison, North Carolina 1 $ 175,000 $ 175,000 $ 339,000
Mitchell, North Carolina 1 $ 225,000 $ 225,000 $ 0
Nash, North Carolina 1 $ 335,000 $ 335,000 $ 53,000
Northampton, North Carolina 1 $ 395,000 $ 395,000 $ 266,000
Pamlico, North Carolina 1 $ 255,000 $ 255,000 $ 284,000
Robeson, North Carolina 1 $ 115,000 $ 115,000 $ 52,000
Warren, North Carolina 1 $ 445,000 $ 445,000 $ 212,000
Wilson, North Carolina 1 $ 105,000 $ 105,000 $ 66,000
Wood, Ohio 1 $ 135,000 $ 135,000 $ 128,000
Comanche, Oklahoma 1 $ 75,000 $ 75,000 $ 152,000
Deschutes, Oregon 1 $ 345,000 $ 345,000 $ 109,000
Lane, Oregon 1 $ 215,000 $ 215,000 $ 150,000
Washington, Oregon 1 $ 515,000 $ 515,000 $ 199,000
Bucks, Pennsylvania 1 $ 605,000 $ 605,000 $ 338,000
Delaware, Pennsylvania 1 $ 705,000 $ 705,000 $ 357,000
Luzerne, Pennsylvania 1 $ 245,000 $ 245,000 $ 260,000
Philadelphia, Pennsylvania 1 $ 355,000 $ 355,000 $ 479,000
Newport, Rhode Island 1 $ 755,000 $ 755,000 $ 178,000
Abbeville, South Carolina 1 $ 175,000 $ 175,000 $ 43,000
Aiken, South Carolina 1 $ 135,000 $ 135,000 $ 70,000
Barnwell, South Carolina 1 $ 105,000 $ 105,000 $ 50,000
Edgefield, South Carolina 1 $ 225,000 $ 225,000 $ 54,000
Fairfield, South Carolina 1 $ 425,000 $ 425,000 $ 504,000
Jasper, South Carolina 1 $ 305,000 $ 305,000 $ 60,000
Kershaw, South Carolina 1 $ 15,000 $ 15,000 $ 119,000
Orangeburg, South Carolina 1 $ 105,000 $ 105,000 $ 25,000
Carter, Tennessee 1 $ 515,000 $ 515,000 $ 111,000
Cocke, Tennessee 1 $ 75,000 $ 75,000 $ 40,000
Decatur, Tennessee 1 $ 175,000 $ 175,000 $ 173,000
Dyer, Tennessee 1 $ 65,000 $ 65,000 $ 279,000
Fentress, Tennessee 1 $ 255,000 $ 255,000 $ 81,000
Greene, Tennessee 1 $ 165,000 $ 165,000 $ 51,000
Grundy, Tennessee 1 $ 165,000 $ 165,000 $ 290,000
Houston, Tennessee 1 $ 105,000 $ 105,000 $ 23,000
Lake, Tennessee 1 $ 65,000 $ 65,000 $ 102,000
Lincoln, Tennessee 1 $ 115,000 $ 115,000 $ 49,000
Moore, Tennessee 1 $ 205,000 $ 205,000 $ 558,000
Obion, Tennessee 1 $ 45,000 $ 45,000 $ 78,000
Stewart, Tennessee 1 $ 75,000 $ 75,000 $ 90,000
Unicoi, Tennessee 1 $ 75,000 $ 75,000 $ 0
Bell, Texas 1 $ 2,055,000 $ 2,055,000 $ 0
Bexar, Texas 1 $ 7,505,000 $ 7,505,000 $ 0
Comal, Texas 1 $ 395,000 $ 395,000 $ 166,000
Fort Bend, Texas 1 $ 205,000 $ 205,000 $ 194,000
Hale, Texas 1 $ 2,755,000 $ 2,755,000 $ 0
Hays, Texas 1 $ 415,000 $ 415,000 $ 140,000
Johnson, Texas 1 $ 145,000 $ 145,000 $ 0
McLennan, Texas 1 $ 1,165,000 $ 1,165,000 $ 0
Milam, Texas 1 $ 1,045,000 $ 1,045,000 $ 0
Navarro, Texas 1 $ 115,000 $ 115,000 $ 75,000
Potter, Texas 1 $ 2,505,000 $ 2,505,000 $ 0
Smith, Texas 1 $ 245,000 $ 245,000 $ 186,000
Victoria, Texas 1 $ 2,655,000 $ 2,655,000 $ 0
Williamson, Texas 1 $ 2,425,000 $ 2,425,000 $ 0
Summit, Utah 1 $ 665,000 $ 665,000 $ 263,000
Albemarle, Virginia 1 $ 505,000 $ 505,000 $ 0
Campbell, Virginia 1 $ 175,000 $ 175,000 $ 0
Carroll, Virginia 1 $ 345,000 $ 345,000 $ 184,000
Hampton, Virginia 1 $ 285,000 $ 285,000 $ 0
Hanover, Virginia 1 $ 345,000 $ 345,000 $ 158,000
Harrisonburg, Virginia 1 $ 155,000 $ 155,000 $ 59,000
Henrico, Virginia 1 $ 445,000 $ 445,000 $ 188,000
James City, Virginia 1 $ 75,000 $ 75,000 $ 107,000
Loudoun, Virginia 1 $ 405,000 $ 405,000 $ 125,000
Louisa, Virginia 1 $ 315,000 $ 315,000 $ 63,000
Patrick, Virginia 1 $ 295,000 $ 295,000 $ 79,000
Pittsylvania, Virginia 1 $ 275,000 $ 275,000 $ 174,000
Powhatan, Virginia 1 $ 365,000 $ 365,000 $ 210,000
Prince Edward, Virginia 1 $ 265,000 $ 265,000 $ 107,000
Prince William, Virginia 1 $ 265,000 $ 265,000 $ 956,000
Pulaski, Virginia 1 $ 205,000 $ 205,000 $ 62,000
Rockingham, Virginia 1 $ 245,000 $ 245,000 $ 127,000
Shenandoah, Virginia 1 $ 285,000 $ 285,000 $ 79,000
Winchester, Virginia 1 $ 515,000 $ 515,000 $ 950,000
Wise, Virginia 1 $ 195,000 $ 195,000 $ 48,000
York, Virginia 1 $ 835,000 $ 835,000 $ 398,000
Kitsap, Washington 1 $ 3,815,000 $ 3,815,000 $ 0
Pierce, Wisconsin 1 $ 1,365,000 $ 1,365,000 $ 0
Rock, Wisconsin 1 $ 75,000 $ 75,000 $ 44,000
Sheboygan, Wisconsin 1 $ 155,000 $ 155,000 $ 205,000
Vilas, Wisconsin 1 $ 515,000 $ 515,000 $ 787,000

Mortgage Loan Application Detail Totals for Pinnacle Bank in 2020

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 5,805 $2,230,605,000 $384,000 $45,555,000 $171,000 $8,400,000
Refinancing 4,333 $1,741,305,000 $401,000 $11,865,000 $202,000 $4,727,000
Other Purpose 1,550 $279,100,000 $180,000 $3,005,000 $234,000 $3,845,000
Home Improvement 1,226 $165,710,000 $135,000 $10,505,000 $183,000 $2,936,000
Cash-out Refinancing 1,215 $321,115,000 $264,000 $1,885,000 $131,000 $1,169,000
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 9,787 $2,929,525,000 $299,000 $11,865,000 $188,000 $6,688,000
Not Provided 1,918 $463,890,000 $241,000 $6,005,000 $231,000 $7,224,000
Black or African American 954 $205,250,000 $215,000 $2,715,000 $98,000 $1,720,000
Not applicable 795 $971,015,000 $1,221,000 $45,555,000 $0 $0
Hispanic 323 $72,545,000 $224,000 $1,015,000 $132,000 $8,400,000
Asian 228 $61,790,000 $271,000 $1,955,000 $150,000 $1,304,000
American Indian or Alaskan Native 34 $9,460,000 $278,000 $945,000 $130,000 $563,000
Native Hawaiian or Other Pacific Islander 5 $775,000 $155,000 $225,000 $72,000 $127,000

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) 13,325 $4,533,815,000 $340,000 $45,555,000 $192,000 $8,400,000
FHA-insured (Federal Housing Administration) 472 $96,050,000 $203,000 $495,000 $65,000 $256,000
VA-guaranteed (Veterans Administration) 274 $97,110,000 $354,000 $1,365,000 $119,000 $953,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 58 $10,860,000 $187,000 $355,000 $54,000 $94,000

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 10,739 $3,826,085,000 $356,000 $45,555,000 $186,000 $8,400,000
Application Withdrawn By Applicant 1,454 $485,470,000 $333,000 $5,935,000 $197,000 $7,224,000
Application Denied By Financial Institution 969 $243,675,000 $251,000 $5,855,000 $118,000 $3,551,000
Application Approved But Not Accepted 632 $154,680,000 $244,000 $5,805,000 $249,000 $3,743,000
Loan Purchased By The Institution 256 $3,520,000 $13,000 $15,000 $0 $0
File Closed For Incompleteness 79 $24,405,000 $308,000 $2,205,000 $162,000 $600,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 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 13,160 $4,494,160,000 $341,000 $45,555,000 $190,000 $8,400,000
Debt-To-Income Ratio 439 $93,865,000 $213,000 $1,675,000 $83,000 $538,000
Credit History 291 $40,205,000 $138,000 $2,145,000 $102,000 $987,000
Collateral 82 $28,220,000 $344,000 $3,755,000 $241,000 $2,514,000
Other 72 $58,590,000 $813,000 $5,855,000 $229,000 $1,744,000
Unverifiable Information 49 $15,275,000 $311,000 $2,285,000 $250,000 $3,551,000
Employment History 21 $4,225,000 $201,000 $505,000 $80,000 $200,000
Insufficient Cash (Downpayment, Closing Cost) 12 $2,730,000 $227,000 $445,000 $83,000 $150,000
Credit Application Incomplete 3 $565,000 $188,000 $255,000 $84,000 $100,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Pinnacle Bank's 2020 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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