Pinnacle Bank Mortgage Lending & HMDA Data, 2021

In 2021, Pinnacle Bank of Nashville, TN reported 14,152 mortgage applications totaling $5.5 billion, about the same as 2020. The average application was for $385,308, and applicants reported an average income of $193,747. 77% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (4,613), Memphis, TN-MS-AR (1,607) and Knoxville, TN (1,138) (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 14,152
Total Mortgage Loan Application Amount $5,452,890,000
Average Mortgage Loan Application Amount $385,308
Highest Mortgage Loan Application Amount $57,605,000
Average Applicant Income $193,747
Highest Applicant Income $8,878,000

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Act (HMDA) records Pinnacle Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Davidson, Tennessee 1,918 $ 814,540,000 $ 424,681 $ 209,000
Shelby, Tennessee 1,298 $ 341,700,000 $ 263,251 $ 157,000
Williamson, Tennessee 902 $ 389,950,000 $ 432,317 $ 277,000
Rutherford, Tennessee 774 $ 192,170,000 $ 248,281 $ 115,000
Knox, Tennessee 664 $ 224,280,000 $ 337,771 $ 197,000
Hamilton, Tennessee 574 $ 258,680,000 $ 450,662 $ 223,000
Mecklenburg, North Carolina 480 $ 221,930,000 $ 462,354 $ 216,000
Guilford, North Carolina 444 $ 90,270,000 $ 203,310 $ 141,000
Charleston, South Carolina 356 $ 142,630,000 $ 400,646 $ 220,000
Wilson, Tennessee 354 $ 91,390,000 $ 258,163 $ 134,000
Blount, Tennessee 343 $ 119,105,000 $ 347,244 $ 145,000
Sumner, Tennessee 326 $ 93,550,000 $ 286,963 $ 159,000
Forsyth, North Carolina 291 $ 75,895,000 $ 260,807 $ 161,000
Greenville, South Carolina 248 $ 84,920,000 $ 342,419 $ 151,000
Davidson, North Carolina 233 $ 38,555,000 $ 165,472 $ 113,000
Wake, North Carolina 213 $ 139,455,000 $ 654,718 $ 211,000
Randolph, North Carolina 177 $ 27,235,000 $ 153,870 $ 97,000
Cabarrus, North Carolina 161 $ 70,005,000 $ 434,813 $ 166,000
DeSoto, Mississippi 155 $ 35,505,000 $ 229,064 $ 89,000
Fulton, Georgia 133 $ 39,905,000 $ 300,037 $ 303,000
Cheatham, Tennessee 116 $ 18,790,000 $ 161,982 $ 106,000
Stanly, North Carolina 112 $ 17,230,000 $ 153,839 $ 100,000
Horry, South Carolina 104 $ 65,480,000 $ 629,615 $ 195,000
Roanoke City, Virginia 99 $ 20,615,000 $ 208,232 $ 146,000
Union, North Carolina 97 $ 27,475,000 $ 283,247 $ 172,000
Roanoke, Virginia 97 $ 23,415,000 $ 241,391 $ 186,000
Iredell, North Carolina 96 $ 40,790,000 $ 424,895 $ 313,000
Durham, North Carolina 94 $ 29,000,000 $ 308,510 $ 167,000
Fayette, Tennessee 79 $ 26,065,000 $ 329,936 $ 166,000
Beaufort, South Carolina 72 $ 22,030,000 $ 305,972 $ 225,000
Cobb, Georgia 69 $ 23,665,000 $ 342,971 $ 229,000
Robertson, Tennessee 69 $ 15,375,000 $ 222,826 $ 84,000
Loudon, Tennessee 68 $ 25,780,000 $ 379,117 $ 211,000
Maury, Tennessee 67 $ 19,435,000 $ 290,074 $ 129,000
Rowan, North Carolina 64 $ 12,090,000 $ 188,906 $ 120,000
Bradley, Tennessee 63 $ 17,795,000 $ 282,460 $ 152,000
Dorchester, South Carolina 59 $ 54,035,000 $ 915,847 $ 170,000
Bedford, Tennessee 56 $ 10,780,000 $ 192,500 $ 110,000
Madison, Alabama 55 $ 20,405,000 $ 371,000 $ 201,000
Walton, Florida 54 $ 64,300,000 $ 1,190,740 $ 778,000
Berkeley, South Carolina 49 $ 14,175,000 $ 289,285 $ 116,000
Sevier, Tennessee 49 $ 18,665,000 $ 380,918 $ 413,000
Alamance, North Carolina 48 $ 13,700,000 $ 285,416 $ 85,000
Dickson, Tennessee 48 $ 10,290,000 $ 214,375 $ 119,000
Tipton, Tennessee 48 $ 9,840,000 $ 205,000 $ 92,000
Catoosa, Georgia 47 $ 11,375,000 $ 242,021 $ 131,000
DeKalb, Georgia 45 $ 17,495,000 $ 388,777 $ 293,000
Orange, North Carolina 43 $ 10,855,000 $ 252,441 $ 188,000
Buncombe, North Carolina 41 $ 22,585,000 $ 550,853 $ 334,000
Spartanburg, South Carolina 41 $ 8,185,000 $ 199,634 $ 125,000
Montgomery, Tennessee 41 $ 12,225,000 $ 298,170 $ 76,000
Pickens, South Carolina 39 $ 10,635,000 $ 272,692 $ 108,000
Anderson, South Carolina 37 $ 7,435,000 $ 200,945 $ 134,000
York, South Carolina 37 $ 8,935,000 $ 241,486 $ 191,000
Anderson, Tennessee 34 $ 7,820,000 $ 230,000 $ 137,000
Forsyth, Georgia 33 $ 7,085,000 $ 214,696 $ 262,000
Brunswick, North Carolina 29 $ 10,465,000 $ 360,862 $ 348,000
Coffee, Tennessee 29 $ 6,065,000 $ 209,137 $ 96,000
Columbia, Georgia 28 $ 8,860,000 $ 316,428 $ 201,000
Walker, Georgia 28 $ 8,650,000 $ 308,928 $ 125,000
Lincoln, North Carolina 27 $ 8,515,000 $ 315,370 $ 178,000
Franklin, Virginia 26 $ 7,430,000 $ 285,769 $ 253,000
Gwinnett, Georgia 25 $ 4,985,000 $ 199,400 $ 269,000
Chatham, North Carolina 25 $ 5,545,000 $ 221,800 $ 163,000
DeKalb, Tennessee 24 $ 6,370,000 $ 265,416 $ 189,000
Marshall, Tennessee 24 $ 5,030,000 $ 209,583 $ 95,000
Cherokee, Georgia 23 $ 4,425,000 $ 192,391 $ 196,000
Rockingham, North Carolina 23 $ 3,455,000 $ 150,217 $ 77,000
Roane, Tennessee 23 $ 5,315,000 $ 231,086 $ 125,000
Gaston, North Carolina 22 $ 14,510,000 $ 659,545 $ 154,000
New Hanover, North Carolina 21 $ 7,135,000 $ 339,761 $ 191,000
Franklin, Tennessee 21 $ 8,355,000 $ 397,857 $ 366,000
Bedford, Virginia 21 $ 5,035,000 $ 239,761 $ 295,000
Cumberland, North Carolina 19 $ 5,665,000 $ 298,157 $ 173,000
Salem, Virginia 19 $ 2,925,000 $ 153,947 $ 106,000
Los Angeles, California 18 $ 40,700,000 $ 2,261,111 $ 380,000
Carteret, North Carolina 18 $ 4,140,000 $ 230,000 $ 243,000
Johnston, North Carolina 18 $ 3,600,000 $ 200,000 $ 104,000
Watauga, North Carolina 18 $ 8,960,000 $ 497,777 $ 291,000
Bay, Florida 17 $ 7,345,000 $ 432,058 $ 330,000
Lancaster, South Carolina 17 $ 5,095,000 $ 299,705 $ 239,000
Putnam, Tennessee 17 $ 5,195,000 $ 305,588 $ 147,000
Trousdale, Tennessee 17 $ 3,245,000 $ 190,882 $ 103,000
Montgomery, North Carolina 16 $ 5,280,000 $ 330,000 $ 204,000
Catawba, North Carolina 15 $ 4,805,000 $ 320,333 $ 305,000
Stokes, North Carolina 15 $ 4,715,000 $ 314,333 $ 235,000
Richland, South Carolina 15 $ 3,845,000 $ 256,333 $ 234,000
Botetourt, Virginia 15 $ 2,945,000 $ 196,333 $ 230,000
Hamilton, Ohio 14 $ 43,650,000 $ 3,117,857 $ 0
Palm Beach, Florida 13 $ 10,365,000 $ 797,307 $ 498,000
Pinellas, Florida 13 $ 9,185,000 $ 706,538 $ 289,000
Davie, North Carolina 12 $ 2,380,000 $ 198,333 $ 157,000
Jackson, North Carolina 12 $ 8,310,000 $ 692,500 $ 384,000
Baldwin, Alabama 11 $ 3,285,000 $ 298,636 $ 153,000
Pulaski, Arkansas 11 $ 1,145,000 $ 104,090 $ 190,000
Hickman, Tennessee 11 $ 1,875,000 $ 170,454 $ 106,000
Jefferson, Tennessee 11 $ 4,085,000 $ 371,363 $ 256,000
Monroe, Tennessee 11 $ 2,945,000 $ 267,727 $ 122,000
Georgetown, South Carolina 10 $ 2,940,000 $ 294,000 $ 178,000
Cannon, Tennessee 10 $ 1,520,000 $ 152,000 $ 47,000
Marion, Tennessee 10 $ 3,430,000 $ 343,000 $ 317,000
Smith, Tennessee 10 $ 1,830,000 $ 183,000 $ 74,000
Jefferson, Alabama 9 $ 9,325,000 $ 1,036,111 $ 115,000
Lauderdale, Alabama 9 $ 2,335,000 $ 259,444 $ 484,000
Collier, Florida 9 $ 19,105,000 $ 2,122,777 $ 1,403,000
Escambia, Florida 9 $ 2,915,000 $ 323,888 $ 180,000
Lee, Florida 9 $ 4,115,000 $ 457,222 $ 283,000
Manatee, Florida 9 $ 5,165,000 $ 573,888 $ 273,000
Orange, Florida 9 $ 5,675,000 $ 630,555 $ 263,000
Marshall, Mississippi 9 $ 1,655,000 $ 183,888 $ 74,000
Avery, North Carolina 9 $ 5,535,000 $ 615,000 $ 446,000
Henderson, North Carolina 9 $ 4,415,000 $ 490,555 $ 322,000
Oconee, South Carolina 9 $ 3,225,000 $ 358,333 $ 236,000
Lynchburg, Virginia 9 $ 16,385,000 $ 1,820,555 $ 261,000
Jefferson, Kentucky 8 $ 26,750,000 $ 3,343,750 $ 123,000
Wayne, Michigan 8 $ 14,780,000 $ 1,847,500 $ 570,000
Tate, Mississippi 8 $ 1,180,000 $ 147,500 $ 78,000
Tishomingo, Mississippi 8 $ 1,180,000 $ 147,500 $ 240,000
Lincoln, Tennessee 8 $ 1,740,000 $ 217,500 $ 123,000
Madison, Tennessee 8 $ 980,000 $ 122,500 $ 68,000
Dallas, Texas 8 $ 17,800,000 $ 2,225,000 $ 294,000
San Diego, California 7 $ 7,825,000 $ 1,117,857 $ 356,000
Chatham, Georgia 7 $ 2,555,000 $ 365,000 $ 262,000
Dade, Georgia 7 $ 1,645,000 $ 235,000 $ 147,000
Hall, Georgia 7 $ 1,245,000 $ 177,857 $ 166,000
Pender, North Carolina 7 $ 2,955,000 $ 422,142 $ 324,000
Transylvania, North Carolina 7 $ 1,835,000 $ 262,142 $ 162,000
Cuyahoga, Ohio 7 $ 14,645,000 $ 2,092,142 $ 150,000
Cumberland, Tennessee 7 $ 29,435,000 $ 4,205,000 $ 146,000
Giles, Tennessee 7 $ 2,785,000 $ 397,857 $ 244,000
Bexar, Texas 7 $ 11,925,000 $ 1,703,571 $ 87,000
Cleburne, Arkansas 6 $ 1,890,000 $ 315,000 $ 236,000
Crittenden, Arkansas 6 $ 4,320,000 $ 720,000 $ 496,000
Brevard, Florida 6 $ 2,060,000 $ 343,333 $ 374,000
Miami-Dade, Florida 6 $ 2,940,000 $ 490,000 $ 430,000
Okaloosa, Florida 6 $ 6,340,000 $ 1,056,666 $ 346,000
Fayette, Georgia 6 $ 2,300,000 $ 383,333 $ 378,000
Cook, Illinois 6 $ 11,110,000 $ 1,851,666 $ 220,000
New York, New York 6 $ 9,390,000 $ 1,565,000 $ 657,000
Anson, North Carolina 6 $ 790,000 $ 131,666 $ 91,000
Franklin, North Carolina 6 $ 1,260,000 $ 210,000 $ 256,000
Moore, North Carolina 6 $ 1,660,000 $ 276,666 $ 201,000
Franklin, Ohio 6 $ 15,330,000 $ 2,555,000 $ 151,000
Lexington, South Carolina 6 $ 1,270,000 $ 211,666 $ 77,000
Rhea, Tennessee 6 $ 3,480,000 $ 580,000 $ 502,000
Washington, Tennessee 6 $ 2,610,000 $ 435,000 $ 234,000
Fairfax, Virginia 6 $ 61,100,000 $ 10,183,333 $ 446,000
Jackson, Alabama 5 $ 2,355,000 $ 471,000 $ 93,000
Hillsborough, Florida 5 $ 51,065,000 $ 10,213,000 $ 136,000
Martin, Florida 5 $ 3,195,000 $ 639,000 $ 762,000
Osceola, Florida 5 $ 975,000 $ 195,000 $ 102,000
Sarasota, Florida 5 $ 2,525,000 $ 505,000 $ 257,000
Paulding, Georgia 5 $ 635,000 $ 127,000 $ 217,000
Clark, Nevada 5 $ 8,095,000 $ 1,619,000 $ 180,000
Granville, North Carolina 5 $ 1,045,000 $ 209,000 $ 141,000
Macon, North Carolina 5 $ 3,595,000 $ 719,000 $ 399,000
Wilkes, North Carolina 5 $ 1,625,000 $ 325,000 $ 170,000
Yadkin, North Carolina 5 $ 825,000 $ 165,000 $ 91,000
Orangeburg, South Carolina 5 $ 1,625,000 $ 325,000 $ 103,000
Grundy, Tennessee 5 $ 3,055,000 $ 611,000 $ 385,000
Hardin, Tennessee 5 $ 1,035,000 $ 207,000 $ 331,000
Humphreys, Tennessee 5 $ 915,000 $ 183,000 $ 128,000
McMinn, Tennessee 5 $ 1,625,000 $ 325,000 $ 122,000
Sequatchie, Tennessee 5 $ 2,625,000 $ 525,000 $ 219,000
White, Tennessee 5 $ 825,000 $ 165,000 $ 59,000
Henrico, Virginia 5 $ 1,915,000 $ 383,000 $ 296,000
Maricopa, Arizona 4 $ 5,900,000 $ 1,475,000 $ 1,653,000
Pima, Arizona 4 $ 5,020,000 $ 1,255,000 $ 492,000
Benton, Arkansas 4 $ 1,410,000 $ 352,500 $ 487,000
Washington, Arkansas 4 $ 2,610,000 $ 652,500 $ 2,313,000
Orange, California 4 $ 5,040,000 $ 1,260,000 $ 696,000
Broward, Florida 4 $ 3,470,000 $ 867,500 $ 269,000
Polk, Florida 4 $ 560,000 $ 140,000 $ 81,000
Glynn, Georgia 4 $ 6,330,000 $ 1,582,500 $ 1,089,000
Lumpkin, Georgia 4 $ 510,000 $ 127,500 $ 290,000
Richmond, Georgia 4 $ 17,240,000 $ 4,310,000 $ 110,000
Whitfield, Georgia 4 $ 1,310,000 $ 327,500 $ 253,000
Fayette, Kentucky 4 $ 7,960,000 $ 1,990,000 $ 126,000
Simpson, Kentucky 4 $ 590,000 $ 147,500 $ 121,000
Oakland, Michigan 4 $ 10,130,000 $ 2,532,500 $ 194,000
Lafayette, Mississippi 4 $ 1,550,000 $ 387,500 $ 180,000
Tunica, Mississippi 4 $ 510,000 $ 127,500 $ 68,000
St. Louis, Missouri 4 $ 2,830,000 $ 707,500 $ 359,000
Alleghany, North Carolina 4 $ 770,000 $ 192,500 $ 596,000
Ashe, North Carolina 4 $ 970,000 $ 242,500 $ 198,000
Onslow, North Carolina 4 $ 1,310,000 $ 327,500 $ 274,000
Pitt, North Carolina 4 $ 620,000 $ 155,000 $ 201,000
Oklahoma, Oklahoma 4 $ 5,140,000 $ 1,285,000 $ 558,000
Aiken, South Carolina 4 $ 900,000 $ 225,000 $ 180,000
Colleton, South Carolina 4 $ 1,070,000 $ 267,500 $ 119,000
Gibson, Tennessee 4 $ 360,000 $ 90,000 $ 92,000
Grainger, Tennessee 4 $ 560,000 $ 140,000 $ 50,000
Hamblen, Tennessee 4 $ 630,000 $ 157,500 $ 85,000
Lauderdale, Tennessee 4 $ 440,000 $ 110,000 $ 75,000
Meigs, Tennessee 4 $ 2,940,000 $ 735,000 $ 712,000
Sullivan, Tennessee 4 $ 1,220,000 $ 305,000 $ 83,000
Union, Tennessee 4 $ 1,420,000 $ 355,000 $ 251,000
Harris, Texas 4 $ 6,100,000 $ 1,525,000 $ 106,000
Montgomery, Virginia 4 $ 1,220,000 $ 305,000 $ 80,000
Colbert, Alabama 3 $ 1,045,000 $ 348,333 $ 198,000
Cullman, Alabama 3 $ 2,255,000 $ 751,666 $ 1,182,000
Morgan, Alabama 3 $ 565,000 $ 188,333 $ 420,000
Sacramento, California 3 $ 11,915,000 $ 3,971,666 $ 0
Indian River, Florida 3 $ 1,905,000 $ 635,000 $ 350,000
Monroe, Florida 3 $ 4,595,000 $ 1,531,666 $ 1,158,000
Santa Rosa, Florida 3 $ 735,000 $ 245,000 $ 81,000
Volusia, Florida 3 $ 1,305,000 $ 435,000 $ 255,000
Pickens, Georgia 3 $ 165,000 $ 55,000 $ 95,000
Trigg, Kentucky 3 $ 935,000 $ 311,666 $ 61,000
Warren, Kentucky 3 $ 1,455,000 $ 485,000 $ 167,000
Madison, Montana 3 $ 3,645,000 $ 1,215,000 $ 460,000
Missoula, Montana 3 $ 855,000 $ 285,000 $ 182,000
Bernalillo, New Mexico 3 $ 9,965,000 $ 3,321,666 $ 0
Kings, New York 3 $ 5,055,000 $ 1,685,000 $ 1,004,000
Suffolk, New York 3 $ 6,495,000 $ 2,165,000 $ 828,000
Caldwell, North Carolina 3 $ 735,000 $ 245,000 $ 282,000
Caswell, North Carolina 3 $ 935,000 $ 311,666 $ 891,000
Dare, North Carolina 3 $ 805,000 $ 268,333 $ 714,000
Sampson, North Carolina 3 $ 385,000 $ 128,333 $ 53,000
Warren, North Carolina 3 $ 1,135,000 $ 378,333 $ 289,000
Lake, Ohio 3 $ 6,575,000 $ 2,191,666 $ 0
Delaware, Pennsylvania 3 $ 3,065,000 $ 1,021,666 $ 342,000
Cherokee, South Carolina 3 $ 635,000 $ 211,666 $ 355,000
Greenwood, South Carolina 3 $ 1,905,000 $ 635,000 $ 0
Greene, Tennessee 3 $ 1,255,000 $ 418,333 $ 157,000
Henry, Tennessee 3 $ 475,000 $ 158,333 $ 108,000
Scott, Tennessee 3 $ 355,000 $ 118,333 $ 57,000
Warren, Tennessee 3 $ 725,000 $ 241,666 $ 326,000
Travis, Texas 3 $ 1,415,000 $ 471,666 $ 292,000
Campbell, Virginia 3 $ 125,000 $ 41,666 $ 90,000
Richmond City, Virginia 3 $ 4,545,000 $ 1,515,000 $ 335,000
King, Washington 3 $ 1,885,000 $ 628,333 $ 716,000
DeKalb, Alabama 2 $ 360,000 $ 180,000 $ 67,000
Lee, Alabama 2 $ 660,000 $ 330,000 $ 282,000
Limestone, Alabama 2 $ 560,000 $ 280,000 $ 93,000
Marshall, Alabama 2 $ 170,000 $ 85,000 $ 200,000
Talladega, Alabama 2 $ 210,000 $ 105,000 $ 165,000
Tuscaloosa, Alabama 2 $ 1,550,000 $ 775,000 $ 883,000
Fresno, California 2 $ 2,640,000 $ 1,320,000 $ 165,000
San Francisco, California 2 $ 4,010,000 $ 2,005,000 $ 0
Fairfield, Connecticut 2 $ 1,250,000 $ 625,000 $ 495,000
New Haven, Connecticut 2 $ 920,000 $ 460,000 $ 222,000
District of Columbia, District Of Columbia 2 $ 990,000 $ 495,000 $ 198,000
Clay, Florida 2 $ 590,000 $ 295,000 $ 86,000
Nassau, Florida 2 $ 720,000 $ 360,000 $ 101,000
St. Johns, Florida 2 $ 4,120,000 $ 2,060,000 $ 720,000
Sumter, Florida 2 $ 440,000 $ 220,000 $ 42,000
Barrow, Georgia 2 $ 860,000 $ 430,000 $ 137,000
Bartow, Georgia 2 $ 2,070,000 $ 1,035,000 $ 887,000
Dawson, Georgia 2 $ 80,000 $ 40,000 $ 84,000
Fannin, Georgia 2 $ 1,920,000 $ 960,000 $ 551,000
Gilmer, Georgia 2 $ 610,000 $ 305,000 $ 168,000
Gordon, Georgia 2 $ 450,000 $ 225,000 $ 245,000
Hart, Georgia 2 $ 640,000 $ 320,000 $ 904,000
Rabun, Georgia 2 $ 1,210,000 $ 605,000 $ 2,514,000
Union, Georgia 2 $ 100,000 $ 50,000 $ 89,000
Washington, Georgia 2 $ 1,770,000 $ 885,000 $ 20,000
Marion, Indiana 2 $ 18,740,000 $ 9,370,000 $ 123,000
Baltimore, Maryland 2 $ 370,000 $ 185,000 $ 1,147,000
Howard, Maryland 2 $ 960,000 $ 480,000 $ 1,317,000
Montgomery, Maryland 2 $ 2,310,000 $ 1,155,000 $ 366,000
Jackson, Mississippi 2 $ 6,580,000 $ 3,290,000 $ 0
Lee, Mississippi 2 $ 990,000 $ 495,000 $ 148,000
Panola, Mississippi 2 $ 1,070,000 $ 535,000 $ 346,000
Rankin, Mississippi 2 $ 370,000 $ 185,000 $ 59,000
Cape Girardeau, Missouri 2 $ 290,000 $ 145,000 $ 112,000
Christian, Missouri 2 $ 720,000 $ 360,000 $ 202,000
Gallatin, Montana 2 $ 1,010,000 $ 505,000 $ 553,000
Belknap, New Hampshire 2 $ 1,360,000 $ 680,000 $ 164,000
Monmouth, New Jersey 2 $ 490,000 $ 245,000 $ 62,000
Albany, New York 2 $ 2,860,000 $ 1,430,000 $ 0
Bronx, New York 2 $ 5,200,000 $ 2,600,000 $ 0
Westchester, New York 2 $ 1,560,000 $ 780,000 $ 344,000
Wyoming, New York 2 $ 200,000 $ 100,000 $ 185,000
Burke, North Carolina 2 $ 1,370,000 $ 685,000 $ 191,000
Clay, North Carolina 2 $ 280,000 $ 140,000 $ 205,000
Craven, North Carolina 2 $ 570,000 $ 285,000 $ 183,000
Duplin, North Carolina 2 $ 110,000 $ 55,000 $ 76,000
Haywood, North Carolina 2 $ 450,000 $ 225,000 $ 145,000
Hoke, North Carolina 2 $ 270,000 $ 135,000 $ 63,000
Madison, North Carolina 2 $ 760,000 $ 380,000 $ 130,000
Person, North Carolina 2 $ 1,060,000 $ 530,000 $ 392,000
Polk, North Carolina 2 $ 360,000 $ 180,000 $ 193,000
Richmond, North Carolina 2 $ 80,000 $ 40,000 $ 76,000
Rutherford, North Carolina 2 $ 910,000 $ 455,000 $ 181,000
Surry, North Carolina 2 $ 3,420,000 $ 1,710,000 $ 132,000
Wilson, North Carolina 2 $ 200,000 $ 100,000 $ 113,000
Lorain, Ohio 2 $ 7,670,000 $ 3,835,000 $ 0
Montgomery, Ohio 2 $ 6,170,000 $ 3,085,000 $ 240,000
Clarendon, South Carolina 2 $ 1,240,000 $ 620,000 $ 366,000
Edgefield, South Carolina 2 $ 470,000 $ 235,000 $ 149,000
Fairfield, South Carolina 2 $ 450,000 $ 225,000 $ 135,000
Jasper, South Carolina 2 $ 280,000 $ 140,000 $ 67,000
Laurens, South Carolina 2 $ 910,000 $ 455,000 $ 81,000
Newberry, South Carolina 2 $ 810,000 $ 405,000 $ 160,000
Bledsoe, Tennessee 2 $ 1,160,000 $ 580,000 $ 1,167,000
Campbell, Tennessee 2 $ 230,000 $ 115,000 $ 188,000
Carter, Tennessee 2 $ 1,650,000 $ 825,000 $ 250,000
Claiborne, Tennessee 2 $ 470,000 $ 235,000 $ 102,000
Fentress, Tennessee 2 $ 450,000 $ 225,000 $ 135,000
Hardeman, Tennessee 2 $ 260,000 $ 130,000 $ 176,000
Lewis, Tennessee 2 $ 440,000 $ 220,000 $ 182,000
Macon, Tennessee 2 $ 530,000 $ 265,000 $ 125,000
Moore, Tennessee 2 $ 510,000 $ 255,000 $ 211,000
Obion, Tennessee 2 $ 370,000 $ 185,000 $ 92,000
Overton, Tennessee 2 $ 620,000 $ 310,000 $ 83,000
Perry, Tennessee 2 $ 90,000 $ 45,000 $ 118,000
Denton, Texas 2 $ 2,550,000 $ 1,275,000 $ 397,000
Summit, Utah 2 $ 3,010,000 $ 1,505,000 $ 626,000
Augusta, Virginia 2 $ 410,000 $ 205,000 $ 46,000
Carroll, Virginia 2 $ 200,000 $ 100,000 $ 172,000
Culpeper, Virginia 2 $ 1,010,000 $ 505,000 $ 0
Henry, Virginia 2 $ 180,000 $ 90,000 $ 32,000
Loudoun, Virginia 2 $ 690,000 $ 345,000 $ 144,000
Virginia Beach, Virginia 2 $ 320,000 $ 160,000 $ 96,000
Campbell, Wyoming 2 $ 690,000 $ 345,000 $ 51,000
Cherokee, Alabama 1 $ 75,000 $ 75,000 $ 22,000
Mobile, Alabama 1 $ 695,000 $ 695,000 $ 251,000
Randolph, Alabama 1 $ 105,000 $ 105,000 $ 375,000
Shelby, Alabama 1 $ 495,000 $ 495,000 $ 344,000
St. Clair, Alabama 1 $ 155,000 $ 155,000 $ 15,000
Walker, Alabama 1 $ 55,000 $ 55,000 $ 0
Winston, Alabama 1 $ 665,000 $ 665,000 $ 220,000
Pinal, Arizona 1 $ 265,000 $ 265,000 $ 60,000
Craighead, Arkansas 1 $ 185,000 $ 185,000 $ 178,000
Garland, Arkansas 1 $ 125,000 $ 125,000 $ 123,000
Independence, Arkansas 1 $ 185,000 $ 185,000 $ 52,000
Lonoke, Arkansas 1 $ 55,000 $ 55,000 $ 220,000
Saline, Arkansas 1 $ 125,000 $ 125,000 $ 123,000
Kern, California 1 $ 2,155,000 $ 2,155,000 $ 0
Kings, California 1 $ 1,695,000 $ 1,695,000 $ 0
Marin, California 1 $ 515,000 $ 515,000 $ 1,904,000
Napa, California 1 $ 695,000 $ 695,000 $ 208,000
Placer, California 1 $ 245,000 $ 245,000 $ 539,000
Riverside, California 1 $ 725,000 $ 725,000 $ 210,000
San Luis Obispo, California 1 $ 435,000 $ 435,000 $ 73,000
San Mateo, California 1 $ 2,405,000 $ 2,405,000 $ 0
Santa Cruz, California 1 $ 605,000 $ 605,000 $ 137,000
Ventura, California 1 $ 235,000 $ 235,000 $ 0
Boulder, Colorado 1 $ 225,000 $ 225,000 $ 45,000
Denver, Colorado 1 $ 605,000 $ 605,000 $ 91,000
El Paso, Colorado 1 $ 405,000 $ 405,000 $ 101,000
Gunnison, Colorado 1 $ 1,195,000 $ 1,195,000 $ 656,000
Larimer, Colorado 1 $ 335,000 $ 335,000 $ 110,000
Routt, Colorado 1 $ 325,000 $ 325,000 $ 350,000
San Miguel, Colorado 1 $ 2,505,000 $ 2,505,000 $ 1,887,000
Summit, Colorado 1 $ 825,000 $ 825,000 $ 359,000
Charlotte, Florida 1 $ 195,000 $ 195,000 $ 42,000
Hernando, Florida 1 $ 105,000 $ 105,000 $ 60,000
Lake, Florida 1 $ 245,000 $ 245,000 $ 68,000
Leon, Florida 1 $ 195,000 $ 195,000 $ 144,000
Marion, Florida 1 $ 595,000 $ 595,000 $ 0
Baldwin, Georgia 1 $ 45,000 $ 45,000 $ 58,000
Carroll, Georgia 1 $ 335,000 $ 335,000 $ 330,000
Chattooga, Georgia 1 $ 195,000 $ 195,000 $ 63,000
Colquitt, Georgia 1 $ 415,000 $ 415,000 $ 144,000
Cook, Georgia 1 $ 105,000 $ 105,000 $ 65,000
Coweta, Georgia 1 $ 355,000 $ 355,000 $ 65,000
Effingham, Georgia 1 $ 105,000 $ 105,000 $ 147,000
Greene, Georgia 1 $ 495,000 $ 495,000 $ 305,000
Murray, Georgia 1 $ 245,000 $ 245,000 $ 275,000
Putnam, Georgia 1 $ 1,365,000 $ 1,365,000 $ 939,000
Rockdale, Georgia 1 $ 265,000 $ 265,000 $ 170,000
Spalding, Georgia 1 $ 105,000 $ 105,000 $ 235,000
Stephens, Georgia 1 $ 745,000 $ 745,000 $ 0
Toombs, Georgia 1 $ 2,155,000 $ 2,155,000 $ 0
Towns, Georgia 1 $ 605,000 $ 605,000 $ 96,000
Worth, Georgia 1 $ 145,000 $ 145,000 $ 44,000
DuPage, Illinois 1 $ 155,000 $ 155,000 $ 56,000
Lake, Illinois 1 $ 855,000 $ 855,000 $ 627,000
St. Clair, Illinois 1 $ 545,000 $ 545,000 $ 220,000
Allen, Indiana 1 $ 255,000 $ 255,000 $ 340,000
Lake, Indiana 1 $ 75,000 $ 75,000 $ 129,000
Vanderburgh, Indiana 1 $ 245,000 $ 245,000 $ 0
Muscatine, Iowa 1 $ 65,000 $ 65,000 $ 50,000
Johnson, Kansas 1 $ 1,355,000 $ 1,355,000 $ 803,000
Boone, Kentucky 1 $ 7,505,000 $ 7,505,000 $ 0
Calloway, Kentucky 1 $ 335,000 $ 335,000 $ 259,000
Campbell, Kentucky 1 $ 1,425,000 $ 1,425,000 $ 0
Clark, Kentucky 1 $ 35,000 $ 35,000 $ 75,000
Kenton, Kentucky 1 $ 3,825,000 $ 3,825,000 $ 0
Logan, Kentucky 1 $ 55,000 $ 55,000 $ 36,000
Marshall, Kentucky 1 $ 115,000 $ 115,000 $ 104,000
East Baton Rouge, Louisiana 1 $ 545,000 $ 545,000 $ 115,000
Orleans, Louisiana 1 $ 615,000 $ 615,000 $ 266,000
St. Tammany, Louisiana 1 $ 2,355,000 $ 2,355,000 $ 0
Baltimore City, Maryland 1 $ 535,000 $ 535,000 $ 220,000
Frederick, Maryland 1 $ 405,000 $ 405,000 $ 270,000
Prince George's, Maryland 1 $ 395,000 $ 395,000 $ 141,000
Queen Anne's, Maryland 1 $ 605,000 $ 605,000 $ 192,000
Essex, Massachusetts 1 $ 2,805,000 $ 2,805,000 $ 0
Middlesex, Massachusetts 1 $ 4,525,000 $ 4,525,000 $ 0
Kalamazoo, Michigan 1 $ 235,000 $ 235,000 $ 130,000
Lenawee, Michigan 1 $ 125,000 $ 125,000 $ 47,000
Macomb, Michigan 1 $ 3,435,000 $ 3,435,000 $ 0
Washtenaw, Michigan 1 $ 275,000 $ 275,000 $ 207,000
Hennepin, Minnesota 1 $ 3,445,000 $ 3,445,000 $ 0
Ramsey, Minnesota 1 $ 2,035,000 $ 2,035,000 $ 0
Scott, Minnesota 1 $ 3,715,000 $ 3,715,000 $ 0
Alcorn, Mississippi 1 $ 375,000 $ 375,000 $ 121,000
Harrison, Mississippi 1 $ 385,000 $ 385,000 $ 501,000
Lauderdale, Mississippi 1 $ 2,665,000 $ 2,665,000 $ 0
Madison, Mississippi 1 $ 235,000 $ 235,000 $ 50,000
Platte, Missouri 1 $ 405,000 $ 405,000 $ 67,000
St. Louis City, Missouri 1 $ 625,000 $ 625,000 $ 447,000
Douglas, Nevada 1 $ 105,000 $ 105,000 $ 164,000
Merrimack, New Hampshire 1 $ 375,000 $ 375,000 $ 115,000
Rockingham, New Hampshire 1 $ 515,000 $ 515,000 $ 101,000
Burlington, New Jersey 1 $ 775,000 $ 775,000 $ 625,000
Mercer, New Jersey 1 $ 1,105,000 $ 1,105,000 $ 0
Dona Ana, New Mexico 1 $ 375,000 $ 375,000 $ 137,000
Erie, New York 1 $ 1,205,000 $ 1,205,000 $ 0
Monroe, New York 1 $ 485,000 $ 485,000 $ 325,000
Alexander, North Carolina 1 $ 105,000 $ 105,000 $ 80,000
Beaufort, North Carolina 1 $ 255,000 $ 255,000 $ 226,000
Cherokee, North Carolina 1 $ 135,000 $ 135,000 $ 155,000
Currituck, North Carolina 1 $ 205,000 $ 205,000 $ 394,000
Edgecombe, North Carolina 1 $ 4,905,000 $ 4,905,000 $ 0
Lenoir, North Carolina 1 $ 105,000 $ 105,000 $ 96,000
Mitchell, North Carolina 1 $ 405,000 $ 405,000 $ 135,000
Nash, North Carolina 1 $ 75,000 $ 75,000 $ 120,000
Robeson, North Carolina 1 $ 185,000 $ 185,000 $ 62,000
Swain, North Carolina 1 $ 505,000 $ 505,000 $ 208,000
Vance, North Carolina 1 $ 95,000 $ 95,000 $ 28,000
Butler, Ohio 1 $ 4,575,000 $ 4,575,000 $ 0
Delaware, Ohio 1 $ 3,175,000 $ 3,175,000 $ 0
Huron, Ohio 1 $ 1,035,000 $ 1,035,000 $ 0
Lucas, Ohio 1 $ 2,435,000 $ 2,435,000 $ 0
Stark, Ohio 1 $ 1,765,000 $ 1,765,000 $ 0
Summit, Ohio 1 $ 325,000 $ 325,000 $ 142,000
Warren, Ohio 1 $ 2,415,000 $ 2,415,000 $ 0
Wood, Ohio 1 $ 2,285,000 $ 2,285,000 $ 0
Cleveland, Oklahoma 1 $ 115,000 $ 115,000 $ 360,000
Garvin, Oklahoma 1 $ 85,000 $ 85,000 $ 41,000
Muskogee, Oklahoma 1 $ 2,735,000 $ 2,735,000 $ 0
Pontotoc, Oklahoma 1 $ 1,955,000 $ 1,955,000 $ 0
Tulsa, Oklahoma 1 $ 1,515,000 $ 1,515,000 $ 0
Klamath, Oregon 1 $ 1,225,000 $ 1,225,000 $ 0
Multnomah, Oregon 1 $ 1,525,000 $ 1,525,000 $ 0
Allegheny, Pennsylvania 1 $ 485,000 $ 485,000 $ 990,000
Berks, Pennsylvania 1 $ 115,000 $ 115,000 $ 52,000
Lackawanna, Pennsylvania 1 $ 265,000 $ 265,000 $ 211,000
Lancaster, Pennsylvania 1 $ 345,000 $ 345,000 $ 385,000
York, Pennsylvania 1 $ 175,000 $ 175,000 $ 40,000
Darlington, South Carolina 1 $ 75,000 $ 75,000 $ 116,000
Florence, South Carolina 1 $ 55,000 $ 55,000 $ 375,000
Kershaw, South Carolina 1 $ 285,000 $ 285,000 $ 292,000
Sumter, South Carolina 1 $ 145,000 $ 145,000 $ 0
Decatur, Tennessee 1 $ 105,000 $ 105,000 $ 185,000
Dyer, Tennessee 1 $ 325,000 $ 325,000 $ 120,000
Haywood, Tennessee 1 $ 105,000 $ 105,000 $ 0
Houston, Tennessee 1 $ 105,000 $ 105,000 $ 0
Lawrence, Tennessee 1 $ 75,000 $ 75,000 $ 27,000
McNairy, Tennessee 1 $ 155,000 $ 155,000 $ 55,000
Polk, Tennessee 1 $ 175,000 $ 175,000 $ 62,000
Unicoi, Tennessee 1 $ 185,000 $ 185,000 $ 109,000
Van Buren, Tennessee 1 $ 305,000 $ 305,000 $ 55,000
Angelina, Texas 1 $ 3,015,000 $ 3,015,000 $ 0
Bell, Texas 1 $ 1,915,000 $ 1,915,000 $ 0
Cameron, Texas 1 $ 2,095,000 $ 2,095,000 $ 0
Cass, Texas 1 $ 135,000 $ 135,000 $ 451,000
Collin, Texas 1 $ 1,605,000 $ 1,605,000 $ 0
Fort Bend, Texas 1 $ 1,605,000 $ 1,605,000 $ 0
Hidalgo, Texas 1 $ 95,000 $ 95,000 $ 623,000
Lubbock, Texas 1 $ 145,000 $ 145,000 $ 367,000
Montgomery, Texas 1 $ 5,165,000 $ 5,165,000 $ 0
Nueces, Texas 1 $ 2,855,000 $ 2,855,000 $ 0
Tarrant, Texas 1 $ 385,000 $ 385,000 $ 98,000
Taylor, Texas 1 $ 505,000 $ 505,000 $ 349,000
Davis, Utah 1 $ 1,305,000 $ 1,305,000 $ 0
Grand, Utah 1 $ 2,505,000 $ 2,505,000 $ 1,887,000
Iron, Utah 1 $ 225,000 $ 225,000 $ 0
Albemarle, Virginia 1 $ 255,000 $ 255,000 $ 45,000
Alexandria, Virginia 1 $ 535,000 $ 535,000 $ 158,000
Bristol, Virginia 1 $ 75,000 $ 75,000 $ 117,000
Chesterfield, Virginia 1 $ 315,000 $ 315,000 $ 118,000
Cumberland, Virginia 1 $ 235,000 $ 235,000 $ 140,000
Fauquier, Virginia 1 $ 425,000 $ 425,000 $ 350,000
Frederick, Virginia 1 $ 485,000 $ 485,000 $ 104,000
Grayson, Virginia 1 $ 725,000 $ 725,000 $ 0
Hampton, Virginia 1 $ 265,000 $ 265,000 $ 86,000
Isle of Wight, Virginia 1 $ 475,000 $ 475,000 $ 0
Lancaster, Virginia 1 $ 345,000 $ 345,000 $ 151,000
Lee, Virginia 1 $ 315,000 $ 315,000 $ 52,000
Nelson, Virginia 1 $ 345,000 $ 345,000 $ 348,000
Patrick, Virginia 1 $ 145,000 $ 145,000 $ 24,000
Portsmouth, Virginia 1 $ 1,605,000 $ 1,605,000 $ 0
Shenandoah, Virginia 1 $ 95,000 $ 95,000 $ 0
Spotsylvania, Virginia 1 $ 435,000 $ 435,000 $ 96,000
Suffolk, Virginia 1 $ 255,000 $ 255,000 $ 113,000
Wise, Virginia 1 $ 255,000 $ 255,000 $ 175,000
Pierce, Washington 1 $ 75,000 $ 75,000 $ 108,000
Snohomish, Washington 1 $ 2,735,000 $ 2,735,000 $ 0
Mercer, West Virginia 1 $ 45,000 $ 45,000 $ 66,000
Calumet, Wisconsin 1 $ 385,000 $ 385,000 $ 71,000
Dane, Wisconsin 1 $ 205,000 $ 205,000 $ 162,000
Milwaukee, Wisconsin 1 $ 445,000 $ 445,000 $ 423,000

Mortgage Loan Application Detail Totals for Pinnacle Bank in 2021

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 5,094 $2,646,850,000 $519,000 $57,605,000 $189,000 $8,878,000
Refinancing 3,626 $1,698,080,000 $468,000 $7,505,000 $215,000 $5,262,000
Other Purpose 2,105 $444,155,000 $211,000 $5,405,000 $218,000 $4,250,000
Home Improvement 1,858 $266,240,000 $143,000 $2,245,000 $189,000 $2,493,000
Cash-out Refinancing 1,469 $397,565,000 $270,000 $1,065,000 $129,000 $2,283,000
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 9,471 $3,062,455,000 $323,000 $14,405,000 $199,000 $8,878,000
Not Provided 2,309 $631,765,000 $273,000 $5,405,000 $225,000 $4,250,000
Black or African American 892 $209,690,000 $235,000 $2,665,000 $115,000 $5,262,000
Not applicable 837 $1,363,665,000 $1,629,000 $57,605,000 $44,000 $465,000
Hispanic 270 $64,730,000 $239,000 $1,285,000 $116,000 $1,244,000
Asian 243 $81,885,000 $336,000 $2,965,000 $165,000 $1,856,000
American Indian or Alaskan Native 46 $13,970,000 $303,000 $2,655,000 $216,000 $2,470,000
Native Hawaiian or Other Pacific Islander 9 $1,725,000 $191,000 $365,000 $103,000 $226,000

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) 13,836 $5,356,470,000 $387,000 $57,605,000 $195,000 $8,878,000
VA-guaranteed (Veterans Administration) 197 $70,135,000 $356,000 $945,000 $122,000 $471,000
FHA-insured (Federal Housing Administration) 82 $18,610,000 $226,000 $455,000 $71,000 $141,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 37 $7,675,000 $207,000 $375,000 $54,000 $90,000

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 10,884 $4,518,240,000 $415,000 $57,605,000 $201,000 $8,878,000
Application Denied By Financial Institution 1,206 $294,960,000 $244,000 $6,355,000 $115,000 $2,880,000
Application Withdrawn By Applicant 1,065 $447,345,000 $420,000 $6,955,000 $212,000 $3,794,000
Application Approved But Not Accepted 732 $156,000,000 $213,000 $3,485,000 $218,000 $2,717,000
Loan Purchased By The Institution 168 $2,670,000 $15,000 $305,000 $44,000 $465,000
File Closed For Incompleteness 97 $33,675,000 $347,000 $1,565,000 $167,000 $727,000
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 12,946 $5,157,930,000 $398,000 $57,605,000 $201,000 $8,878,000
Debt-To-Income Ratio 565 $135,795,000 $240,000 $2,305,000 $92,000 $1,067,000
Credit History 317 $55,165,000 $174,000 $6,355,000 $94,000 $505,000
Collateral 106 $32,410,000 $305,000 $3,155,000 $169,000 $1,425,000
Unverifiable Information 96 $29,300,000 $305,000 $2,045,000 $190,000 $1,899,000
Other 59 $28,145,000 $477,000 $5,505,000 $145,000 $592,000
Insufficient Cash (Downpayment, Closing Cost) 26 $5,480,000 $210,000 $765,000 $95,000 $360,000
Credit Application Incomplete 20 $4,150,000 $207,000 $595,000 $173,000 $489,000
Employment History 17 $4,515,000 $265,000 $1,145,000 $392,000 $2,880,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Pinnacle Bank's 2021 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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