Pinnacle Bank Mortgage Lending & HMDA Data, 2022

In 2022, Pinnacle Bank of Nashville, TN reported 11,812 mortgage applications totaling $4.6 billion, down 17% from 2021. The average application was for $393,614, and applicants reported an average income of $207,221. 71% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (3,555), Memphis, TN-MS-AR (1,384) and Charlotte-Concord-Gastonia, NC-SC (905) (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 11,812
Total Mortgage Loan Application Amount $4,649,370,000
Average Mortgage Loan Application Amount $393,614
Highest Mortgage Loan Application Amount $60,005,000
Average Applicant Income $207,221
Highest Applicant Income $7,380,000

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Act (HMDA) records Pinnacle Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2022

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Davidson, Tennessee 1,524 $ 642,930,000 $ 421,870 $ 216,000
Shelby, Tennessee 1,146 $ 271,380,000 $ 236,806 $ 154,000
Williamson, Tennessee 690 $ 407,190,000 $ 590,130 $ 343,000
Rutherford, Tennessee 568 $ 129,260,000 $ 227,570 $ 146,000
Knox, Tennessee 535 $ 248,975,000 $ 465,373 $ 196,000
Hamilton, Tennessee 435 $ 138,385,000 $ 318,126 $ 206,000
Mecklenburg, North Carolina 414 $ 186,080,000 $ 449,468 $ 264,000
Guilford, North Carolina 395 $ 99,755,000 $ 252,544 $ 115,000
Charleston, South Carolina 314 $ 106,630,000 $ 339,585 $ 235,000
Wilson, Tennessee 264 $ 98,440,000 $ 372,878 $ 180,000
Blount, Tennessee 245 $ 78,605,000 $ 320,836 $ 217,000
Greenville, South Carolina 242 $ 67,180,000 $ 277,603 $ 150,000
Forsyth, North Carolina 207 $ 84,015,000 $ 405,869 $ 163,000
Sumner, Tennessee 204 $ 54,940,000 $ 269,313 $ 182,000
Davidson, North Carolina 182 $ 35,310,000 $ 194,010 $ 139,000
Cabarrus, North Carolina 145 $ 43,005,000 $ 296,586 $ 141,000
Wake, North Carolina 144 $ 55,630,000 $ 386,319 $ 240,000
Randolph, North Carolina 133 $ 17,765,000 $ 133,571 $ 107,000
Fulton, Georgia 125 $ 82,435,000 $ 659,480 $ 362,000
DeSoto, Mississippi 110 $ 25,380,000 $ 230,727 $ 109,000
Cheatham, Tennessee 106 $ 20,820,000 $ 196,415 $ 177,000
Stanly, North Carolina 101 $ 13,985,000 $ 138,465 $ 95,000
Madison, Alabama 96 $ 24,390,000 $ 254,062 $ 138,000
Union, North Carolina 93 $ 31,385,000 $ 337,473 $ 189,000
Horry, South Carolina 92 $ 21,930,000 $ 238,369 $ 298,000
Iredell, North Carolina 88 $ 55,500,000 $ 630,681 $ 204,000
Spartanburg, South Carolina 79 $ 12,015,000 $ 152,088 $ 157,000
Roanoke, Virginia 72 $ 14,400,000 $ 200,000 $ 150,000
Alamance, North Carolina 71 $ 11,805,000 $ 166,267 $ 87,000
Cobb, Georgia 70 $ 19,970,000 $ 285,285 $ 234,000
Maury, Tennessee 70 $ 15,600,000 $ 222,857 $ 121,000
Beaufort, South Carolina 69 $ 48,285,000 $ 699,782 $ 275,000
Fayette, Tennessee 66 $ 18,990,000 $ 287,727 $ 162,000
Durham, North Carolina 64 $ 14,470,000 $ 226,093 $ 169,000
Rowan, North Carolina 63 $ 21,135,000 $ 335,476 $ 101,000
Berkeley, South Carolina 59 $ 13,105,000 $ 222,118 $ 103,000
Roanoke City, Virginia 59 $ 12,155,000 $ 206,016 $ 167,000
Dorchester, South Carolina 54 $ 7,690,000 $ 142,407 $ 137,000
Sevier, Tennessee 52 $ 23,010,000 $ 442,500 $ 359,000
Dickson, Tennessee 48 $ 11,500,000 $ 239,583 $ 140,000
Loudon, Tennessee 48 $ 22,340,000 $ 465,416 $ 277,000
Orange, North Carolina 46 $ 39,840,000 $ 866,086 $ 218,000
Robertson, Tennessee 46 $ 12,040,000 $ 261,739 $ 153,000
Pulaski, Arkansas 44 $ 4,880,000 $ 110,909 $ 212,000
Walton, Florida 44 $ 47,990,000 $ 1,090,681 $ 598,000
DeKalb, Georgia 44 $ 10,450,000 $ 237,500 $ 283,000
Pickens, South Carolina 39 $ 5,395,000 $ 138,333 $ 101,000
Bradley, Tennessee 39 $ 11,515,000 $ 295,256 $ 200,000
Montgomery, Tennessee 37 $ 12,415,000 $ 335,540 $ 91,000
Marshall, Tennessee 36 $ 9,440,000 $ 262,222 $ 208,000
Anderson, South Carolina 35 $ 4,475,000 $ 127,857 $ 122,000
York, South Carolina 35 $ 48,485,000 $ 1,385,285 $ 175,000
Bedford, Tennessee 33 $ 7,475,000 $ 226,515 $ 106,000
Catoosa, Georgia 32 $ 7,700,000 $ 240,625 $ 135,000
Forsyth, Georgia 31 $ 4,915,000 $ 158,548 $ 273,000
Tipton, Tennessee 30 $ 5,960,000 $ 198,666 $ 106,000
Gaston, North Carolina 29 $ 13,075,000 $ 450,862 $ 207,000
Anderson, Tennessee 29 $ 6,025,000 $ 207,758 $ 121,000
Jefferson, Alabama 28 $ 6,250,000 $ 223,214 $ 387,000
Gwinnett, Georgia 27 $ 12,545,000 $ 464,629 $ 143,000
Buncombe, North Carolina 24 $ 44,930,000 $ 1,872,083 $ 302,000
Cherokee, Georgia 23 $ 4,285,000 $ 186,304 $ 156,000
Walker, Georgia 23 $ 5,145,000 $ 223,695 $ 192,000
Lancaster, South Carolina 22 $ 3,400,000 $ 154,545 $ 159,000
Franklin, Tennessee 22 $ 12,960,000 $ 589,090 $ 637,000
Putnam, Tennessee 20 $ 8,410,000 $ 420,500 $ 303,000
Franklin, Virginia 20 $ 4,610,000 $ 230,500 $ 214,000
Brunswick, North Carolina 19 $ 37,185,000 $ 1,957,105 $ 425,000
Coffee, Tennessee 18 $ 3,600,000 $ 200,000 $ 79,000
Davie, North Carolina 17 $ 4,065,000 $ 239,117 $ 143,000
Rockingham, North Carolina 17 $ 2,715,000 $ 159,705 $ 126,000
Roane, Tennessee 17 $ 4,285,000 $ 252,058 $ 200,000
Bay, Florida 16 $ 7,320,000 $ 457,500 $ 273,000
Lincoln, North Carolina 16 $ 7,240,000 $ 452,500 $ 311,000
Bedford, Virginia 16 $ 2,340,000 $ 146,250 $ 125,000
Columbia, Georgia 15 $ 9,285,000 $ 619,000 $ 201,000
Salem, Virginia 14 $ 2,050,000 $ 146,428 $ 100,000
Baldwin, Alabama 13 $ 8,315,000 $ 639,615 $ 356,000
Dade, Georgia 13 $ 4,365,000 $ 335,769 $ 107,000
Avery, North Carolina 13 $ 4,015,000 $ 308,846 $ 278,000
Cumberland, North Carolina 13 $ 3,865,000 $ 297,307 $ 152,000
Marshall, Mississippi 12 $ 3,850,000 $ 320,833 $ 119,000
Carteret, North Carolina 12 $ 4,990,000 $ 415,833 $ 494,000
Chatham, North Carolina 12 $ 2,140,000 $ 178,333 $ 204,000
Cannon, Tennessee 12 $ 2,210,000 $ 184,166 $ 79,000
Tarrant, Texas 12 $ 4,960,000 $ 413,333 $ 105,000
Botetourt, Virginia 12 $ 2,840,000 $ 236,666 $ 125,000
Limestone, Alabama 11 $ 1,865,000 $ 169,545 $ 213,000
Lafayette, Mississippi 11 $ 1,785,000 $ 162,272 $ 216,000
Tate, Mississippi 11 $ 1,795,000 $ 163,181 $ 107,000
Catawba, North Carolina 11 $ 4,015,000 $ 365,000 $ 236,000
DeKalb, Tennessee 11 $ 2,885,000 $ 262,272 $ 145,000
District of Columbia, District Of Columbia 10 $ 6,340,000 $ 634,000 $ 339,000
Warren, Kentucky 10 $ 2,150,000 $ 215,000 $ 133,000
Aiken, South Carolina 10 $ 3,410,000 $ 341,000 $ 86,000
Macon, Tennessee 10 $ 1,670,000 $ 167,000 $ 203,000
Meigs, Tennessee 10 $ 5,710,000 $ 571,000 $ 371,000
Escambia, Florida 9 $ 3,765,000 $ 418,333 $ 246,000
Chatham, Georgia 9 $ 3,445,000 $ 382,777 $ 296,000
Rutherford, North Carolina 9 $ 4,315,000 $ 479,444 $ 209,000
Watauga, North Carolina 9 $ 6,085,000 $ 676,111 $ 649,000
Monroe, Tennessee 9 $ 2,305,000 $ 256,111 $ 146,000
Lynchburg, Virginia 9 $ 1,795,000 $ 199,444 $ 188,000
Miami-Dade, Florida 8 $ 6,130,000 $ 766,250 $ 581,000
Okaloosa, Florida 8 $ 4,210,000 $ 526,250 $ 368,000
Volusia, Florida 8 $ 3,470,000 $ 433,750 $ 194,000
Montgomery, North Carolina 8 $ 2,200,000 $ 275,000 $ 249,000
Moore, North Carolina 8 $ 1,490,000 $ 186,250 $ 237,000
New Hanover, North Carolina 8 $ 2,240,000 $ 280,000 $ 146,000
Cuyahoga, Ohio 8 $ 24,770,000 $ 3,096,250 $ 111,000
Hamilton, Ohio 8 $ 24,070,000 $ 3,008,750 $ 453,000
Lexington, South Carolina 8 $ 2,310,000 $ 288,750 $ 217,000
Hickman, Tennessee 8 $ 2,190,000 $ 273,750 $ 243,000
Smith, Tennessee 8 $ 1,510,000 $ 188,750 $ 64,000
Union, Tennessee 8 $ 2,280,000 $ 285,000 $ 142,000
Maricopa, Arizona 7 $ 20,255,000 $ 2,893,571 $ 2,446,000
Crittenden, Arkansas 7 $ 7,145,000 $ 1,020,714 $ 149,000
Gilmer, Georgia 7 $ 1,485,000 $ 212,142 $ 307,000
Richmond, Georgia 7 $ 2,785,000 $ 397,857 $ 183,000
Jefferson, Kentucky 7 $ 3,035,000 $ 433,571 $ 221,000
Johnston, North Carolina 7 $ 46,245,000 $ 6,606,428 $ 127,000
Oconee, South Carolina 7 $ 3,545,000 $ 506,428 $ 212,000
Jefferson, Tennessee 7 $ 1,585,000 $ 226,428 $ 137,000
Marion, Tennessee 7 $ 4,385,000 $ 626,428 $ 373,000
McMinn, Tennessee 7 $ 1,205,000 $ 172,142 $ 100,000
Dallas, Texas 7 $ 15,035,000 $ 2,147,857 $ 173,000
Lee, Alabama 6 $ 2,440,000 $ 406,666 $ 513,000
Morgan, Alabama 6 $ 890,000 $ 148,333 $ 96,000
Shelby, Alabama 6 $ 1,380,000 $ 230,000 $ 223,000
Monroe, Florida 6 $ 5,440,000 $ 906,666 $ 395,000
Orange, Florida 6 $ 2,020,000 $ 336,666 $ 148,000
Sarasota, Florida 6 $ 1,830,000 $ 305,000 $ 358,000
Paulding, Georgia 6 $ 900,000 $ 150,000 $ 119,000
Whitfield, Georgia 6 $ 3,350,000 $ 558,333 $ 281,000
Burke, North Carolina 6 $ 1,260,000 $ 210,000 $ 342,000
Caldwell, North Carolina 6 $ 1,930,000 $ 321,666 $ 197,000
Colleton, South Carolina 6 $ 1,930,000 $ 321,666 $ 189,000
Greenwood, South Carolina 6 $ 900,000 $ 150,000 $ 71,000
Claiborne, Tennessee 6 $ 2,410,000 $ 401,666 $ 414,000
Cumberland, Tennessee 6 $ 1,440,000 $ 240,000 $ 103,000
Grundy, Tennessee 6 $ 1,620,000 $ 270,000 $ 382,000
Hardin, Tennessee 6 $ 1,040,000 $ 173,333 $ 149,000
Madison, Tennessee 6 $ 1,700,000 $ 283,333 $ 139,000
White, Tennessee 6 $ 1,480,000 $ 246,666 $ 134,000
Harris, Texas 6 $ 7,420,000 $ 1,236,666 $ 143,000
Montgomery, Alabama 5 $ 19,065,000 $ 3,813,000 $ 358,000
Los Angeles, California 5 $ 12,775,000 $ 2,555,000 $ 0
Collier, Florida 5 $ 5,765,000 $ 1,153,000 $ 376,000
Manatee, Florida 5 $ 1,295,000 $ 259,000 $ 157,000
Osceola, Florida 5 $ 2,225,000 $ 445,000 $ 488,000
Hall, Georgia 5 $ 635,000 $ 127,000 $ 302,000
Cook, Illinois 5 $ 3,885,000 $ 777,000 $ 577,000
Wayne, Michigan 5 $ 11,845,000 $ 2,369,000 $ 130,000
Lee, Mississippi 5 $ 1,925,000 $ 385,000 $ 212,000
Franklin, North Carolina 5 $ 645,000 $ 129,000 $ 120,000
Harnett, North Carolina 5 $ 1,145,000 $ 229,000 $ 257,000
Haywood, North Carolina 5 $ 1,635,000 $ 327,000 $ 159,000
Henderson, North Carolina 5 $ 28,555,000 $ 5,711,000 $ 211,000
Stokes, North Carolina 5 $ 665,000 $ 133,000 $ 88,000
Transylvania, North Carolina 5 $ 4,275,000 $ 855,000 $ 466,000
Yadkin, North Carolina 5 $ 775,000 $ 155,000 $ 111,000
Georgetown, South Carolina 5 $ 2,325,000 $ 465,000 $ 322,000
Laurens, South Carolina 5 $ 1,615,000 $ 323,000 $ 266,000
Richland, South Carolina 5 $ 445,000 $ 89,000 $ 118,000
Giles, Tennessee 5 $ 995,000 $ 199,000 $ 155,000
Hamblen, Tennessee 5 $ 1,645,000 $ 329,000 $ 236,000
Hardeman, Tennessee 5 $ 1,095,000 $ 219,000 $ 150,000
Humphreys, Tennessee 5 $ 995,000 $ 199,000 $ 334,000
Trousdale, Tennessee 5 $ 1,165,000 $ 233,000 $ 287,000
Warren, Tennessee 5 $ 775,000 $ 155,000 $ 53,000
Campbell, Virginia 5 $ 655,000 $ 131,000 $ 90,000
Loudoun, Virginia 5 $ 2,955,000 $ 591,000 $ 365,000
Winston, Alabama 4 $ 2,680,000 $ 670,000 $ 480,000
San Diego, California 4 $ 6,470,000 $ 1,617,500 $ 1,012,000
Broward, Florida 4 $ 61,960,000 $ 15,490,000 $ 474,000
Gulf, Florida 4 $ 2,500,000 $ 625,000 $ 328,000
Martin, Florida 4 $ 2,150,000 $ 537,500 $ 207,000
Fayette, Georgia 4 $ 1,260,000 $ 315,000 $ 380,000
Jackson, Georgia 4 $ 450,000 $ 112,500 $ 219,000
Montgomery, Maryland 4 $ 3,010,000 $ 752,500 $ 737,000
Prince George's, Maryland 4 $ 880,000 $ 220,000 $ 390,000
Macomb, Michigan 4 $ 6,990,000 $ 1,747,500 $ 0
Oakland, Michigan 4 $ 1,700,000 $ 425,000 $ 52,000
Jackson, North Carolina 4 $ 4,550,000 $ 1,137,500 $ 543,000
Macon, North Carolina 4 $ 1,730,000 $ 432,500 $ 228,000
Oklahoma, Oklahoma 4 $ 10,200,000 $ 2,550,000 $ 0
Gibson, Tennessee 4 $ 220,000 $ 55,000 $ 99,000
Lawrence, Tennessee 4 $ 810,000 $ 202,500 $ 213,000
Moore, Tennessee 4 $ 1,260,000 $ 315,000 $ 261,000
Brazoria, Texas 4 $ 1,930,000 $ 482,500 $ 302,000
Travis, Texas 4 $ 1,340,000 $ 335,000 $ 451,000
Albemarle, Virginia 4 $ 37,790,000 $ 9,447,500 $ 240,000
Montgomery, Virginia 4 $ 2,880,000 $ 720,000 $ 303,000
Pittsylvania, Virginia 4 $ 1,570,000 $ 392,500 $ 174,000
Greenbrier, West Virginia 4 $ 1,970,000 $ 492,500 $ 122,000
Marshall, Alabama 3 $ 585,000 $ 195,000 $ 55,000
Alameda, California 3 $ 2,125,000 $ 708,333 $ 503,000
Santa Barbara, California 3 $ 6,235,000 $ 2,078,333 $ 1,650,000
Arapahoe, Colorado 3 $ 2,515,000 $ 838,333 $ 750,000
Douglas, Colorado 3 $ 1,405,000 $ 468,333 $ 301,000
Brevard, Florida 3 $ 685,000 $ 228,333 $ 421,000
Franklin, Florida 3 $ 1,935,000 $ 645,000 $ 673,000
Indian River, Florida 3 $ 485,000 $ 161,666 $ 134,000
Marion, Florida 3 $ 565,000 $ 188,333 $ 236,000
Palm Beach, Florida 3 $ 1,525,000 $ 508,333 $ 192,000
Pinellas, Florida 3 $ 2,135,000 $ 711,666 $ 750,000
Santa Rosa, Florida 3 $ 2,145,000 $ 715,000 $ 358,000
St. Johns, Florida 3 $ 1,475,000 $ 491,666 $ 678,000
Barrow, Georgia 3 $ 715,000 $ 238,333 $ 403,000
Coweta, Georgia 3 $ 705,000 $ 235,000 $ 143,000
Fannin, Georgia 3 $ 1,345,000 $ 448,333 $ 489,000
Henry, Georgia 3 $ 785,000 $ 261,666 $ 88,000
Oconee, Georgia 3 $ 15,455,000 $ 5,151,666 $ 170,000
Walton, Georgia 3 $ 915,000 $ 305,000 $ 169,000
Simpson, Kentucky 3 $ 505,000 $ 168,333 $ 48,000
Plymouth, Massachusetts 3 $ 4,085,000 $ 1,361,666 $ 522,000
Jackson, Mississippi 3 $ 1,025,000 $ 341,666 $ 142,000
McDowell, North Carolina 3 $ 625,000 $ 208,333 $ 101,000
Onslow, North Carolina 3 $ 845,000 $ 281,666 $ 348,000
Surry, North Carolina 3 $ 745,000 $ 248,333 $ 139,000
Lorain, Ohio 3 $ 1,605,000 $ 535,000 $ 87,000
Kershaw, South Carolina 3 $ 1,575,000 $ 525,000 $ 205,000
Orangeburg, South Carolina 3 $ 1,065,000 $ 355,000 $ 488,000
Union, South Carolina 3 $ 1,185,000 $ 395,000 $ 287,000
Williamsburg, South Carolina 3 $ 2,025,000 $ 675,000 $ 370,000
Campbell, Tennessee 3 $ 355,000 $ 118,333 $ 263,000
Rhea, Tennessee 3 $ 595,000 $ 198,333 $ 200,000
Sullivan, Tennessee 3 $ 585,000 $ 195,000 $ 298,000
Washington, Tennessee 3 $ 1,345,000 $ 448,333 $ 220,000
Bell, Texas 3 $ 3,065,000 $ 1,021,666 $ 431,000
Appomattox, Virginia 3 $ 485,000 $ 161,666 $ 30,000
Carroll, Virginia 3 $ 875,000 $ 291,666 $ 157,000
Floyd, Virginia 3 $ 775,000 $ 258,333 $ 219,000
Richmond City, Virginia 3 $ 995,000 $ 331,666 $ 124,000
Virginia Beach, Virginia 3 $ 1,725,000 $ 575,000 $ 734,000
Barbour, Alabama 2 $ 330,000 $ 165,000 $ 60,000
Lauderdale, Alabama 2 $ 430,000 $ 215,000 $ 119,000
Lawrence, Alabama 2 $ 510,000 $ 255,000 $ 0
St. Clair, Alabama 2 $ 440,000 $ 220,000 $ 173,000
Cleburne, Arkansas 2 $ 450,000 $ 225,000 $ 1,133,000
Craighead, Arkansas 2 $ 120,000 $ 60,000 $ 54,000
Saline, Arkansas 2 $ 1,470,000 $ 735,000 $ 312,000
Monterey, California 2 $ 5,890,000 $ 2,945,000 $ 729,000
Riverside, California 2 $ 610,000 $ 305,000 $ 112,000
Boulder, Colorado 2 $ 2,790,000 $ 1,395,000 $ 180,000
Gunnison, Colorado 2 $ 3,800,000 $ 1,900,000 $ 1,476,000
New Haven, Connecticut 2 $ 240,000 $ 120,000 $ 148,000
Lee, Florida 2 $ 590,000 $ 295,000 $ 179,000
Pasco, Florida 2 $ 20,680,000 $ 10,340,000 $ 536,000
Bartow, Georgia 2 $ 3,000,000 $ 1,500,000 $ 432,000
Camden, Georgia 2 $ 850,000 $ 425,000 $ 200,000
Carroll, Georgia 2 $ 260,000 $ 130,000 $ 77,000
Clayton, Georgia 2 $ 200,000 $ 100,000 $ 57,000
Dawson, Georgia 2 $ 160,000 $ 80,000 $ 95,000
Douglas, Georgia 2 $ 180,000 $ 90,000 $ 155,000
Lowndes, Georgia 2 $ 4,010,000 $ 2,005,000 $ 0
Pickens, Georgia 2 $ 120,000 $ 60,000 $ 147,000
Screven, Georgia 2 $ 190,000 $ 95,000 $ 43,000
White, Georgia 2 $ 130,000 $ 65,000 $ 129,000
Lake, Illinois 2 $ 900,000 $ 450,000 $ 165,000
Marion, Indiana 2 $ 260,000 $ 130,000 $ 129,000
Johnson, Kansas 2 $ 3,790,000 $ 1,895,000 $ 867,000
Sedgwick, Kansas 2 $ 380,000 $ 190,000 $ 60,000
Allen, Kentucky 2 $ 610,000 $ 305,000 $ 185,000
Fayette, Kentucky 2 $ 940,000 $ 470,000 $ 404,000
Hardin, Kentucky 2 $ 440,000 $ 220,000 $ 141,000
Jessamine, Kentucky 2 $ 14,060,000 $ 7,030,000 $ 0
Bossier, Louisiana 2 $ 710,000 $ 355,000 $ 132,000
Orleans, Louisiana 2 $ 910,000 $ 455,000 $ 943,000
Worcester, Massachusetts 2 $ 640,000 $ 320,000 $ 124,000
Clay, Mississippi 2 $ 520,000 $ 260,000 $ 292,000
Tishomingo, Mississippi 2 $ 150,000 $ 75,000 $ 83,000
Tunica, Mississippi 2 $ 430,000 $ 215,000 $ 97,000
Washington, Mississippi 2 $ 240,000 $ 120,000 $ 36,000
St. Charles, Missouri 2 $ 330,000 $ 165,000 $ 104,000
St. Louis, Missouri 2 $ 1,660,000 $ 830,000 $ 563,000
Park, Montana 2 $ 2,490,000 $ 1,245,000 $ 643,000
Clark, Nevada 2 $ 1,280,000 $ 640,000 $ 157,000
Sandoval, New Mexico 2 $ 890,000 $ 445,000 $ 228,000
Ashe, North Carolina 2 $ 410,000 $ 205,000 $ 84,000
Beaufort, North Carolina 2 $ 310,000 $ 155,000 $ 856,000
Cherokee, North Carolina 2 $ 310,000 $ 155,000 $ 171,000
Craven, North Carolina 2 $ 1,300,000 $ 650,000 $ 374,000
Nash, North Carolina 2 $ 180,000 $ 90,000 $ 70,000
Pitt, North Carolina 2 $ 190,000 $ 95,000 $ 136,000
Polk, North Carolina 2 $ 910,000 $ 455,000 $ 180,000
Richmond, North Carolina 2 $ 450,000 $ 225,000 $ 120,000
Robeson, North Carolina 2 $ 210,000 $ 105,000 $ 145,000
Swain, North Carolina 2 $ 490,000 $ 245,000 $ 393,000
Lake, Ohio 2 $ 2,260,000 $ 1,130,000 $ 0
Montgomery, Ohio 2 $ 1,340,000 $ 670,000 $ 121,000
Preble, Ohio 2 $ 680,000 $ 340,000 $ 113,000
Pawnee, Oklahoma 2 $ 2,180,000 $ 1,090,000 $ 0
Bucks, Pennsylvania 2 $ 1,240,000 $ 620,000 $ 272,000
Edgefield, South Carolina 2 $ 140,000 $ 70,000 $ 142,000
Bledsoe, Tennessee 2 $ 360,000 $ 180,000 $ 103,000
Fentress, Tennessee 2 $ 610,000 $ 305,000 $ 94,000
Haywood, Tennessee 2 $ 160,000 $ 80,000 $ 199,000
Henry, Tennessee 2 $ 460,000 $ 230,000 $ 103,000
Lauderdale, Tennessee 2 $ 290,000 $ 145,000 $ 74,000
Lincoln, Tennessee 2 $ 340,000 $ 170,000 $ 67,000
Morgan, Tennessee 2 $ 460,000 $ 230,000 $ 87,000
Overton, Tennessee 2 $ 80,000 $ 40,000 $ 92,000
Polk, Tennessee 2 $ 250,000 $ 125,000 $ 107,000
Scott, Tennessee 2 $ 410,000 $ 205,000 $ 57,000
Sequatchie, Tennessee 2 $ 730,000 $ 365,000 $ 144,000
Stewart, Tennessee 2 $ 160,000 $ 80,000 $ 148,000
Weakley, Tennessee 2 $ 620,000 $ 310,000 $ 120,000
Ellis, Texas 2 $ 550,000 $ 275,000 $ 72,000
Hidalgo, Texas 2 $ 6,160,000 $ 3,080,000 $ 0
Jefferson, Texas 2 $ 5,380,000 $ 2,690,000 $ 98,000
Montgomery, Texas 2 $ 1,540,000 $ 770,000 $ 406,000
Summit, Utah 2 $ 3,280,000 $ 1,640,000 $ 1,321,000
Harrisonburg, Virginia 2 $ 400,000 $ 200,000 $ 0
Henrico, Virginia 2 $ 1,260,000 $ 630,000 $ 728,000
Henry, Virginia 2 $ 440,000 $ 220,000 $ 128,000
Mecklenburg, Virginia 2 $ 780,000 $ 390,000 $ 789,000
Spotsylvania, Virginia 2 $ 690,000 $ 345,000 $ 78,000
Pierce, Washington 2 $ 2,520,000 $ 1,260,000 $ 2,782,000
Autauga, Alabama 1 $ 315,000 $ 315,000 $ 94,000
Blount, Alabama 1 $ 365,000 $ 365,000 $ 0
Calhoun, Alabama 1 $ 235,000 $ 235,000 $ 278,000
Clay, Alabama 1 $ 145,000 $ 145,000 $ 142,000
Coffee, Alabama 1 $ 1,535,000 $ 1,535,000 $ 0
Colbert, Alabama 1 $ 55,000 $ 55,000 $ 123,000
Coosa, Alabama 1 $ 455,000 $ 455,000 $ 200,000
Cullman, Alabama 1 $ 1,505,000 $ 1,505,000 $ 1,014,000
Dale, Alabama 1 $ 275,000 $ 275,000 $ 68,000
Hale, Alabama 1 $ 175,000 $ 175,000 $ 60,000
Jackson, Alabama 1 $ 525,000 $ 525,000 $ 125,000
Mobile, Alabama 1 $ 175,000 $ 175,000 $ 52,000
Tallapoosa, Alabama 1 $ 635,000 $ 635,000 $ 430,000
Tuscaloosa, Alabama 1 $ 95,000 $ 95,000 $ 82,000
Anchorage, Alaska 1 $ 3,805,000 $ 3,805,000 $ 0
Pima, Arizona 1 $ 205,000 $ 205,000 $ 80,000
Pinal, Arizona 1 $ 475,000 $ 475,000 $ 142,000
Benton, Arkansas 1 $ 625,000 $ 625,000 $ 287,000
Mississippi, Arkansas 1 $ 225,000 $ 225,000 $ 1,319,000
Washington, Arkansas 1 $ 505,000 $ 505,000 $ 104,000
White, Arkansas 1 $ 105,000 $ 105,000 $ 43,000
Butte, California 1 $ 595,000 $ 595,000 $ 300,000
Contra Costa, California 1 $ 505,000 $ 505,000 $ 288,000
Placer, California 1 $ 105,000 $ 105,000 $ 365,000
Eagle, Colorado 1 $ 1,005,000 $ 1,005,000 $ 916,000
Jefferson, Colorado 1 $ 605,000 $ 605,000 $ 1,308,000
Larimer, Colorado 1 $ 405,000 $ 405,000 $ 213,000
Prowers, Colorado 1 $ 1,665,000 $ 1,665,000 $ 0
Routt, Colorado 1 $ 455,000 $ 455,000 $ 483,000
Summit, Colorado 1 $ 605,000 $ 605,000 $ 654,000
Fairfield, Connecticut 1 $ 545,000 $ 545,000 $ 582,000
Alachua, Florida 1 $ 825,000 $ 825,000 $ 780,000
Charlotte, Florida 1 $ 555,000 $ 555,000 $ 204,000
DeSoto, Florida 1 $ 315,000 $ 315,000 $ 329,000
Hillsborough, Florida 1 $ 325,000 $ 325,000 $ 773,000
Nassau, Florida 1 $ 755,000 $ 755,000 $ 653,000
Okeechobee, Florida 1 $ 255,000 $ 255,000 $ 126,000
Polk, Florida 1 $ 345,000 $ 345,000 $ 234,000
Sumter, Florida 1 $ 585,000 $ 585,000 $ 300,000
Bibb, Georgia 1 $ 3,475,000 $ 3,475,000 $ 0
Clarke, Georgia 1 $ 95,000 $ 95,000 $ 89,000
Colquitt, Georgia 1 $ 655,000 $ 655,000 $ 422,000
Franklin, Georgia 1 $ 235,000 $ 235,000 $ 116,000
Glynn, Georgia 1 $ 75,000 $ 75,000 $ 866,000
Greene, Georgia 1 $ 105,000 $ 105,000 $ 347,000
Houston, Georgia 1 $ 4,305,000 $ 4,305,000 $ 0
Lumpkin, Georgia 1 $ 455,000 $ 455,000 $ 104,000
Rockdale, Georgia 1 $ 255,000 $ 255,000 $ 361,000
Spalding, Georgia 1 $ 1,005,000 $ 1,005,000 $ 0
Towns, Georgia 1 $ 45,000 $ 45,000 $ 0
Washington, Georgia 1 $ 185,000 $ 185,000 $ 358,000
Perry, Illinois 1 $ 235,000 $ 235,000 $ 109,000
Vermilion, Illinois 1 $ 125,000 $ 125,000 $ 90,000
Clark, Indiana 1 $ 265,000 $ 265,000 $ 113,000
Delaware, Indiana 1 $ 165,000 $ 165,000 $ 1,872,000
Hamilton, Indiana 1 $ 305,000 $ 305,000 $ 97,000
Kosciusko, Indiana 1 $ 95,000 $ 95,000 $ 103,000
St. Joseph, Indiana 1 $ 185,000 $ 185,000 $ 181,000
Tippecanoe, Indiana 1 $ 2,255,000 $ 2,255,000 $ 0
Bell, Kentucky 1 $ 55,000 $ 55,000 $ 37,000
Bullitt, Kentucky 1 $ 255,000 $ 255,000 $ 108,000
Butler, Kentucky 1 $ 95,000 $ 95,000 $ 78,000
Calloway, Kentucky 1 $ 405,000 $ 405,000 $ 1,708,000
Casey, Kentucky 1 $ 215,000 $ 215,000 $ 46,000
Daviess, Kentucky 1 $ 795,000 $ 795,000 $ 0
Marion, Kentucky 1 $ 95,000 $ 95,000 $ 290,000
Trigg, Kentucky 1 $ 245,000 $ 245,000 $ 371,000
Woodford, Kentucky 1 $ 255,000 $ 255,000 $ 212,000
East Baton Rouge, Louisiana 1 $ 235,000 $ 235,000 $ 727,000
Kent, Maryland 1 $ 325,000 $ 325,000 $ 127,000
Barnstable, Massachusetts 1 $ 105,000 $ 105,000 $ 619,000
Allegan, Michigan 1 $ 2,265,000 $ 2,265,000 $ 1,812,000
Berrien, Michigan 1 $ 4,715,000 $ 4,715,000 $ 0
Ottawa, Michigan 1 $ 225,000 $ 225,000 $ 156,000
Brown, Minnesota 1 $ 215,000 $ 215,000 $ 400,000
Grenada, Mississippi 1 $ 225,000 $ 225,000 $ 54,000
Hinds, Mississippi 1 $ 4,065,000 $ 4,065,000 $ 0
Jefferson Davis, Mississippi 1 $ 245,000 $ 245,000 $ 61,000
Madison, Mississippi 1 $ 105,000 $ 105,000 $ 316,000
Monroe, Mississippi 1 $ 105,000 $ 105,000 $ 50,000
Oktibbeha, Mississippi 1 $ 155,000 $ 155,000 $ 134,000
Panola, Mississippi 1 $ 345,000 $ 345,000 $ 114,000
Rankin, Mississippi 1 $ 315,000 $ 315,000 $ 129,000
Tallahatchie, Mississippi 1 $ 75,000 $ 75,000 $ 38,000
Tippah, Mississippi 1 $ 175,000 $ 175,000 $ 96,000
Greene, Missouri 1 $ 365,000 $ 365,000 $ 165,000
Jackson, Missouri 1 $ 225,000 $ 225,000 $ 167,000
Jefferson, Missouri 1 $ 195,000 $ 195,000 $ 50,000
Scott, Missouri 1 $ 55,000 $ 55,000 $ 38,000
Gallatin, Montana 1 $ 525,000 $ 525,000 $ 137,000
Lake, Montana 1 $ 305,000 $ 305,000 $ 94,000
Hudson, New Jersey 1 $ 2,305,000 $ 2,305,000 $ 0
Erie, New York 1 $ 1,205,000 $ 1,205,000 $ 0
Genesee, New York 1 $ 85,000 $ 85,000 $ 155,000
Hamilton, New York 1 $ 325,000 $ 325,000 $ 845,000
Westchester, New York 1 $ 285,000 $ 285,000 $ 150,000
Alexander, North Carolina 1 $ 115,000 $ 115,000 $ 38,000
Alleghany, North Carolina 1 $ 325,000 $ 325,000 $ 91,000
Caswell, North Carolina 1 $ 75,000 $ 75,000 $ 48,000
Cleveland, North Carolina 1 $ 175,000 $ 175,000 $ 33,000
Currituck, North Carolina 1 $ 205,000 $ 205,000 $ 689,000
Duplin, North Carolina 1 $ 135,000 $ 135,000 $ 109,000
Edgecombe, North Carolina 1 $ 2,735,000 $ 2,735,000 $ 0
Granville, North Carolina 1 $ 215,000 $ 215,000 $ 0
Hoke, North Carolina 1 $ 105,000 $ 105,000 $ 0
Hyde, North Carolina 1 $ 305,000 $ 305,000 $ 241,000
Pender, North Carolina 1 $ 1,305,000 $ 1,305,000 $ 0
Sampson, North Carolina 1 $ 215,000 $ 215,000 $ 58,000
Wayne, North Carolina 1 $ 125,000 $ 125,000 $ 101,000
Wilkes, North Carolina 1 $ 1,005,000 $ 1,005,000 $ 0
Yancey, North Carolina 1 $ 245,000 $ 245,000 $ 160,000
Franklin, Ohio 1 $ 1,525,000 $ 1,525,000 $ 0
Lucas, Ohio 1 $ 6,275,000 $ 6,275,000 $ 0
McClain, Oklahoma 1 $ 2,425,000 $ 2,425,000 $ 0
Sequoyah, Oklahoma 1 $ 105,000 $ 105,000 $ 720,000
Coos, Oregon 1 $ 155,000 $ 155,000 $ 46,000
Polk, Oregon 1 $ 165,000 $ 165,000 $ 79,000
Washington, Oregon 1 $ 285,000 $ 285,000 $ 90,000
Cameron, Pennsylvania 1 $ 55,000 $ 55,000 $ 46,000
Chester, Pennsylvania 1 $ 6,825,000 $ 6,825,000 $ 0
Northampton, Pennsylvania 1 $ 105,000 $ 105,000 $ 174,000
Schuylkill, Pennsylvania 1 $ 355,000 $ 355,000 $ 353,000
Bamberg, South Carolina 1 $ 395,000 $ 395,000 $ 60,000
Barnwell, South Carolina 1 $ 315,000 $ 315,000 $ 60,000
Fairfield, South Carolina 1 $ 135,000 $ 135,000 $ 355,000
Jasper, South Carolina 1 $ 295,000 $ 295,000 $ 66,000
Newberry, South Carolina 1 $ 55,000 $ 55,000 $ 0
Sumter, South Carolina 1 $ 355,000 $ 355,000 $ 85,000
Carroll, Tennessee 1 $ 545,000 $ 545,000 $ 292,000
Carter, Tennessee 1 $ 1,375,000 $ 1,375,000 $ 429,000
Grainger, Tennessee 1 $ 35,000 $ 35,000 $ 98,000
Greene, Tennessee 1 $ 275,000 $ 275,000 $ 0
Henderson, Tennessee 1 $ 155,000 $ 155,000 $ 143,000
Houston, Tennessee 1 $ 45,000 $ 45,000 $ 85,000
Johnson, Tennessee 1 $ 125,000 $ 125,000 $ 34,000
Obion, Tennessee 1 $ 25,000 $ 25,000 $ 84,000
Perry, Tennessee 1 $ 45,000 $ 45,000 $ 60,000
Austin, Texas 1 $ 1,615,000 $ 1,615,000 $ 0
Bexar, Texas 1 $ 6,785,000 $ 6,785,000 $ 0
Collin, Texas 1 $ 675,000 $ 675,000 $ 993,000
Coryell, Texas 1 $ 105,000 $ 105,000 $ 0
Fort Bend, Texas 1 $ 105,000 $ 105,000 $ 276,000
Galveston, Texas 1 $ 825,000 $ 825,000 $ 526,000
Henderson, Texas 1 $ 165,000 $ 165,000 $ 150,000
Kaufman, Texas 1 $ 355,000 $ 355,000 $ 102,000
Kerr, Texas 1 $ 395,000 $ 395,000 $ 300,000
Llano, Texas 1 $ 945,000 $ 945,000 $ 700,000
Lubbock, Texas 1 $ 1,105,000 $ 1,105,000 $ 0
Nueces, Texas 1 $ 4,515,000 $ 4,515,000 $ 0
Parker, Texas 1 $ 375,000 $ 375,000 $ 0
Scurry, Texas 1 $ 3,545,000 $ 3,545,000 $ 0
Victoria, Texas 1 $ 2,275,000 $ 2,275,000 $ 0
Wharton, Texas 1 $ 1,485,000 $ 1,485,000 $ 0
Wichita, Texas 1 $ 755,000 $ 755,000 $ 0
Williamson, Texas 1 $ 405,000 $ 405,000 $ 557,000
Wise, Texas 1 $ 1,115,000 $ 1,115,000 $ 0
Alexandria, Virginia 1 $ 645,000 $ 645,000 $ 244,000
Amherst, Virginia 1 $ 45,000 $ 45,000 $ 65,000
Arlington, Virginia 1 $ 225,000 $ 225,000 $ 76,000
Chesterfield, Virginia 1 $ 655,000 $ 655,000 $ 176,000
Covington, Virginia 1 $ 2,605,000 $ 2,605,000 $ 0
Fairfax, Virginia 1 $ 25,000 $ 25,000 $ 125,000
Gloucester, Virginia 1 $ 195,000 $ 195,000 $ 81,000
Martinsville, Virginia 1 $ 345,000 $ 345,000 $ 99,000
Mathews, Virginia 1 $ 365,000 $ 365,000 $ 603,000
Prince William, Virginia 1 $ 745,000 $ 745,000 $ 225,000
Pulaski, Virginia 1 $ 425,000 $ 425,000 $ 263,000
Rockbridge, Virginia 1 $ 365,000 $ 365,000 $ 100,000
Rockingham, Virginia 1 $ 815,000 $ 815,000 $ 413,000
Staunton, Virginia 1 $ 275,000 $ 275,000 $ 62,000
York, Virginia 1 $ 265,000 $ 265,000 $ 166,000
Clark, Washington 1 $ 115,000 $ 115,000 $ 207,000
Grays Harbor, Washington 1 $ 1,125,000 $ 1,125,000 $ 769,000
Kitsap, Washington 1 $ 645,000 $ 645,000 $ 1,115,000
Mason, Washington 1 $ 415,000 $ 415,000 $ 437,000
Walla Walla, Washington 1 $ 605,000 $ 605,000 $ 175,000
McDowell, West Virginia 1 $ 45,000 $ 45,000 $ 85,000
Mercer, West Virginia 1 $ 185,000 $ 185,000 $ 439,000
Pocahontas, West Virginia 1 $ 795,000 $ 795,000 $ 279,000
Raleigh, West Virginia 1 $ 195,000 $ 195,000 $ 97,000
Oneida, Wisconsin 1 $ 455,000 $ 455,000 $ 0
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Mortgage Loan Application Detail Totals for Pinnacle Bank in 2022

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 4,841 $2,632,565,000 $543,000 $60,005,000 $199,000 $7,380,000
Home Improvement 2,568 $396,290,000 $154,000 $10,005,000 $194,000 $4,449,000
Other Purpose 2,555 $559,495,000 $218,000 $4,005,000 $222,000 $4,095,000
Refinancing 1,236 $891,430,000 $721,000 $30,625,000 $283,000 $7,075,000
Cash-out Refinancing 612 $169,590,000 $277,000 $1,535,000 $113,000 $789,000
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 6,921 $2,237,345,000 $323,000 $10,005,000 $217,000 $7,075,000
Not Provided 2,470 $657,300,000 $266,000 $5,005,000 $229,000 $4,568,000
Not applicable 1,005 $1,412,105,000 $1,405,000 $60,005,000 $45,000 $272,000
Black or African American 800 $180,670,000 $225,000 $3,005,000 $124,000 $2,205,000
Hispanic 332 $76,000,000 $228,000 $3,005,000 $120,000 $1,872,000
Asian 182 $58,570,000 $321,000 $1,905,000 $254,000 $7,380,000
American Indian or Alaskan Native 25 $6,445,000 $257,000 $795,000 $136,000 $725,000
Native Hawaiian or Other Pacific Islander 4 $390,000 $97,000 $155,000 $170,000 $218,000

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) 11,528 $4,568,590,000 $396,000 $60,005,000 $209,000 $7,380,000
FHA-insured (Federal Housing Administration) 167 $42,235,000 $252,000 $595,000 $76,000 $243,000
VA-guaranteed (Veterans Administration) 81 $30,635,000 $378,000 $835,000 $118,000 $287,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 36 $7,910,000 $219,000 $385,000 $60,000 $99,000

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 8,443 $3,755,805,000 $444,000 $60,005,000 $221,000 $7,075,000
Application Denied By Financial Institution 1,417 $346,225,000 $244,000 $6,155,000 $133,000 $3,660,000
Application Withdrawn By Applicant 813 $331,625,000 $407,000 $4,885,000 $221,000 $7,380,000
Application Approved But Not Accepted 765 $195,755,000 $255,000 $3,735,000 $228,000 $4,095,000
Loan Purchased By The Institution 341 $6,145,000 $18,000 $395,000 $45,000 $272,000
File Closed For Incompleteness 33 $13,815,000 $418,000 $4,685,000 $267,000 $1,676,000
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 10,395 $4,303,145,000 $413,000 $60,005,000 $216,000 $7,380,000
Debt-To-Income Ratio 653 $139,525,000 $213,000 $2,005,000 $104,000 $1,231,000
Credit History 425 $64,175,000 $151,000 $5,005,000 $135,000 $3,660,000
Collateral 105 $31,625,000 $301,000 $4,005,000 $185,000 $1,015,000
Unverifiable Information 89 $58,575,000 $658,000 $6,155,000 $312,000 $1,669,000
Insufficient Cash (Downpayment, Closing Cost) 63 $16,245,000 $257,000 $1,005,000 $80,000 $256,000
Other 45 $27,875,000 $619,000 $4,985,000 $128,000 $713,000
Credit Application Incomplete 20 $3,030,000 $151,000 $525,000 $143,000 $340,000
Employment History 17 $5,175,000 $304,000 $1,735,000 $177,000 $1,222,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Pinnacle Bank's 2022 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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