Pinnacle Bank Mortgage Lending & HMDA Data, 2025

In 2025, Pinnacle Bank of Nashville, TN reported 8,310 mortgage applications totaling $3.1 billion, up 5% from 2024. The average application was for $374,551, and applicants reported an average income of $242,160. 67% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (2,073), Memphis, TN-MS-AR (1,159) and Charlotte-Concord-Gastonia, NC-SC (464) (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 8,310
Total Mortgage Loan Application Amount $3,112,520,000
Average Mortgage Loan Application Amount $374,551
Highest Mortgage Loan Application Amount $38,365,000
Average Applicant Income $242,160
Highest Applicant Income $9,924,000

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Act (HMDA) records Pinnacle Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Metropolitan Area in 2025

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Nashville-Davidson--Murfreesboro--Franklin, TN 2,073 $ 796,965,000 $ 384,450 $ 261,000
Memphis, TN-MS-AR 1,159 $ 254,935,000 $ 219,961 $ 182,049
Charlotte-Concord-Gastonia, NC-SC 464 $ 180,060,000 $ 388,060 $ 252,392
Greensboro-High Point, NC 464 $ 76,790,000 $ 165,495 $ 98,000
Outside any metro area 426 $ 189,510,000 $ 444,859 $ 375,632
Knoxville, TN 401 $ 151,145,000 $ 376,920 $ 246,000
Charleston-North Charleston, SC 321 $ 174,885,000 $ 544,813 $ 260,000
Chattanooga, TN-GA 315 $ 123,695,000 $ 392,682 $ 321,825
Winston-Salem, NC 307 $ 67,825,000 $ 220,928 $ 167,000
Atlanta-Sandy Springs-Roswell, GA 229 $ 44,825,000 $ 195,742 $ 211,000
Huntsville, AL 220 $ 60,540,000 $ 275,181 $ 94,000
Roanoke, VA 206 $ 52,120,000 $ 253,009 $ 206,000
Raleigh, NC 159 $ 50,725,000 $ 319,025 $ 172,000
Durham-Chapel Hill, NC 142 $ 43,360,000 $ 305,352 $ 163,000
Burlington, NC 139 $ 22,505,000 $ 161,906 $ 77,000
Greenville-Anderson-Mauldin, SC 108 $ 27,620,000 $ 255,740 $ 160,000
Jacksonville, FL 82 $ 59,290,000 $ 723,048 $ 173,000
Arlington-Alexandria-Reston, VA-WV 76 $ 22,220,000 $ 292,368 $ 319,000
Baltimore-Columbia-Towson, MD 75 $ 21,725,000 $ 289,666 $ 223,000
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 66 $ 68,600,000 $ 1,039,393 $ 351,000
Washington, DC-MD 58 $ 14,280,000 $ 246,206 $ 216,655
Bowling Green, KY 44 $ 10,860,000 $ 246,818 $ 134,000
Marietta, GA 44 $ 10,190,000 $ 231,590 $ 300,000
Birmingham-Hoover, AL 41 $ 12,135,000 $ 295,975 $ 147,000
Lynchburg, VA 41 $ 14,105,000 $ 344,024 $ 233,000
Cleveland, TN 39 $ 12,175,000 $ 312,179 $ 167,000
Hilton Head Island-Bluffton-Beaufort, SC 38 $ 20,260,000 $ 533,157 $ 468,000
Spartanburg, SC 38 $ 7,950,000 $ 209,210 $ 125,000
Wilmington, NC 34 $ 30,430,000 $ 895,000 $ 373,000
Washington-Baltimore-Arlington, DC 25 $ 6,245,000 $ 249,800 $ 155,000
Augusta-Richmond County, GA-SC 24 $ 8,210,000 $ 342,083 $ 134,916
Crestview-Fort Walton Beach-Destin, FL 23 $ 37,975,000 $ 1,651,086 $ 926,000
Louisville/Jefferson County, KY-IN 23 $ 23,275,000 $ 1,011,956 $ 125,956
Asheville, NC 22 $ 10,220,000 $ 464,545 $ 235,000
Clarksville, TN-KY 13 $ 3,615,000 $ 278,076 $ 206,000
Columbia, SC 12 $ 5,310,000 $ 442,500 $ 431,000
Cleveland, OH 11 $ 26,455,000 $ 2,405,000 $ 0
Daphne-Fairhope-Foley, AL 11 $ 3,915,000 $ 355,909 $ 307,000
Hickory-Lenoir-Morganton, NC 11 $ 7,115,000 $ 646,818 $ 312,000
Los Angeles-Long Beach-Glendale, CA 11 $ 29,295,000 $ 2,663,181 $ 733,000
Orlando-Kissimmee-Sanford, FL 10 $ 12,230,000 $ 1,223,000 $ 948,000
Tampa, FL 10 $ 3,170,000 $ 317,000 $ 223,000
Cincinnati, OH-KY-IN 8 $ 7,520,000 $ 940,000 $ 288,125
Fayetteville, NC 8 $ 2,560,000 $ 320,000 $ 58,000
Johnson City, TN 8 $ 1,970,000 $ 246,250 $ 234,000
Naples-Immokalee-Marco Island, FL 8 $ 15,710,000 $ 1,963,750 $ 1,935,000
West Palm Beach-Boca Raton-Delray Beach, FL 8 $ 2,580,000 $ 322,500 $ 318,000
Dallas-Plano-Irving, TX 7 $ 4,975,000 $ 710,714 $ 405,000
Phoenix-Mesa-Scottsdale, AZ 7 $ 3,455,000 $ 493,571 $ 344,000
Austin-Round Rock, TX 6 $ 13,790,000 $ 2,298,333 $ 1,212,000
Jackson, MS 6 $ 1,990,000 $ 331,666 $ 1,036,000
New York-Jersey City-White Plains, NY-NJ 6 $ 22,180,000 $ 3,696,666 $ 2,054,333
North Port-Sarasota-Bradenton, FL 6 $ 7,290,000 $ 1,215,000 $ 1,045,000
Panama City, FL 6 $ 2,700,000 $ 450,000 $ 266,000
Rocky Mount, NC 6 $ 1,570,000 $ 261,666 $ 292,000
St. Petersburg-Clearwater-Largo, FL 6 $ 3,330,000 $ 555,000 $ 483,000
Auburn-Opelika, AL 5 $ 2,265,000 $ 453,000 $ 428,000
Decatur, AL 5 $ 1,455,000 $ 291,000 $ 361,000
Florence-Muscle Shoals, AL 5 $ 2,365,000 $ 473,000 $ 652,000
Houston-The Woodlands-Sugar Land, TX 5 $ 8,505,000 $ 1,701,000 $ 2,518,000
Pinehurst-Southern Pines, NC 5 $ 5,155,000 $ 1,031,000 $ 481,000
San Antonio-New Braunfels, TX 5 $ 2,935,000 $ 587,000 $ 285,000
Virginia Beach-Norfolk-Newport News, VA-NC 5 $ 6,635,000 $ 1,327,000 $ 619,000
Cape Coral-Fort Myers, FL 4 $ 1,100,000 $ 275,000 $ 216,000
Chicago-Naperville, IL 4 $ 5,010,000 $ 1,252,500 $ 575,000
Gulfport-Biloxi-Pascagoula, MS 4 $ 1,950,000 $ 487,500 $ 210,000
Minneapolis-St. Paul-Bloomington, MN-WI 4 $ 7,970,000 $ 1,992,500 $ 558,000
Morristown, TN 4 $ 1,810,000 $ 452,500 $ 177,000
Port St. Lucie, FL 4 $ 1,320,000 $ 330,000 $ 765,000
Athens-Clarke County, GA 3 $ 1,625,000 $ 541,666 $ 1,261,000
Blacksburg-Christiansburg-Radford, VA 3 $ 1,555,000 $ 518,333 $ 335,000
Boston, MA 3 $ 3,425,000 $ 1,141,666 $ 1,215,000
Charlottesville, VA 3 $ 2,165,000 $ 721,666 $ 760,000
Dalton, GA 3 $ 715,000 $ 238,333 $ 185,000
Fort Worth-Arlington, TX 3 $ 3,645,000 $ 1,215,000 $ 399,000
Gainesville, GA 3 $ 585,000 $ 195,000 $ 169,000
Nassau County-Suffolk County, NY 3 $ 8,115,000 $ 2,705,000 $ 894,000
Pensacola-Ferry Pass-Brent, FL 3 $ 885,000 $ 295,000 $ 263,000
Richmond, VA 3 $ 1,285,000 $ 428,333 $ 985,000
Santa Rosa, CA 3 $ 1,275,000 $ 425,000 $ 721,000
St. Louis, MO-IL 3 $ 1,395,000 $ 465,000 $ 250,333
Tallahassee, FL 3 $ 985,000 $ 328,333 $ 341,000
Akron, OH 2 $ 4,280,000 $ 2,140,000 $ 0
Albuquerque, NM 2 $ 7,080,000 $ 3,540,000 $ 0
Anaheim-Santa Ana-Irvine, CA 2 $ 7,500,000 $ 3,750,000 $ 895,000
Bozeman, MT 2 $ 3,370,000 $ 1,685,000 $ 550,000
Brunswick, GA 2 $ 1,910,000 $ 955,000 $ 82,000
Columbus, GA-AL 2 $ 1,100,000 $ 550,000 $ 313,000
Columbus, OH 2 $ 1,940,000 $ 970,000 $ 0
Deltona-Daytona Beach-Ormond Beach, FL 2 $ 570,000 $ 285,000 $ 67,000
El Paso, TX 2 $ 10,570,000 $ 5,285,000 $ 0
Evansville, IN-KY 2 $ 1,280,000 $ 640,000 $ 408,000
Florence, SC 2 $ 1,340,000 $ 670,000 $ 170,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 2 $ 1,260,000 $ 630,000 $ 624,000
Gadsden, AL 2 $ 280,000 $ 140,000 $ 78,000
Hagerstown-Martinsburg, MD-WV 2 $ 1,420,000 $ 710,000 $ 947,000
Indianapolis-Carmel-Anderson, IN 2 $ 820,000 $ 410,000 $ 164,000
Jonesboro, AR 2 $ 660,000 $ 330,000 $ 168,000
Kingsport-Bristol-Bristol, TN-VA 2 $ 290,000 $ 145,000 $ 275,000
Lakeland-Winter Haven, FL 2 $ 150,000 $ 75,000 $ 100,000
Lakewood-New Brunswick, NJ 2 $ 5,620,000 $ 2,810,000 $ 265,000
Little Rock-North Little Rock-Conway, AR 2 $ 610,000 $ 305,000 $ 150,000
Miami-Miami Beach-Kendall, FL 2 $ 5,580,000 $ 2,790,000 $ 869,000
New Orleans-Metairie, LA 2 $ 500,000 $ 250,000 $ 240,000
Punta Gorda, FL 2 $ 1,620,000 $ 810,000 $ 0
Riverside-San Bernardino-Ontario, CA 2 $ 2,360,000 $ 1,180,000 $ 370,000
San Diego-Carlsbad, CA 2 $ 2,380,000 $ 1,190,000 $ 522,000
Shreveport-Bossier City, LA 2 $ 190,000 $ 95,000 $ 222,000
Staunton-Waynesboro, VA 2 $ 3,020,000 $ 1,510,000 $ 1,557,000
Ann Arbor, MI 1 $ 485,000 $ 485,000 $ 250,000
Anniston-Oxford-Jacksonville, AL 1 $ 175,000 $ 175,000 $ 52,000
Bend-Redmond, OR 1 $ 805,000 $ 805,000 $ 220,000
Bismarck, ND 1 $ 4,445,000 $ 4,445,000 $ 0
Bloomington, IN 1 $ 575,000 $ 575,000 $ 434,000
Boise City, ID 1 $ 355,000 $ 355,000 $ 79,000
Bridgeport-Stamford-Norwalk, CT 1 $ 2,005,000 $ 2,005,000 $ 384,000
Buffalo-Cheektowaga-Niagara Falls, NY 1 $ 225,000 $ 225,000 $ 314,000
Canton-Massillon, OH 1 $ 185,000 $ 185,000 $ 287,000
Dayton-Springfield-Kettering, OH 1 $ 2,145,000 $ 2,145,000 $ 0
Denver-Aurora-Lakewood, CO 1 $ 495,000 $ 495,000 $ 275,000
Detroit-Dearborn-Livonia, MI 1 $ 115,000 $ 115,000 $ 120,000
Dothan, AL 1 $ 345,000 $ 345,000 $ 250,000
Dover, DE 1 $ 335,000 $ 335,000 $ 80,000
Fayetteville-Springdale-Rogers, AR-MO 1 $ 2,005,000 $ 2,005,000 $ 615,000
Grand Rapids-Wyoming, MI 1 $ 945,000 $ 945,000 $ 2,051,000
Green Bay, WI 1 $ 525,000 $ 525,000 $ 120,000
Harrisonburg, VA 1 $ 315,000 $ 315,000 $ 82,000
Hattiesburg, MS 1 $ 335,000 $ 335,000 $ 876,000
Huntington-Ashland, WV-KY-OH 1 $ 1,285,000 $ 1,285,000 $ 2,951,000
Jackson, TN 1 $ 165,000 $ 165,000 $ 269,000
Jacksonville, NC 1 $ 335,000 $ 335,000 $ 119,000
Kansas City, MO-KS 1 $ 1,575,000 $ 1,575,000 $ 0
Lafayette-West Lafayette, IN 1 $ 285,000 $ 285,000 $ 500,000
Lake County-Kenosha County, IL-WI 1 $ 705,000 $ 705,000 $ 443,000
Las Vegas-Henderson-Paradise, NV 1 $ 925,000 $ 925,000 $ 415,000
Lexington Park, MD 1 $ 25,000 $ 25,000 $ 0
Lexington-Fayette, KY 1 $ 425,000 $ 425,000 $ 140,000
Macon-Bibb County, GA 1 $ 115,000 $ 115,000 $ 61,000
Midland, TX 1 $ 495,000 $ 495,000 $ 483,000
Montgomery County-Bucks County-Chester County, PA 1 $ 495,000 $ 495,000 $ 310,000
Oakland-Hayward-Berkeley, CA 1 $ 1,005,000 $ 1,005,000 $ 747,000
Oklahoma City, OK 1 $ 2,065,000 $ 2,065,000 $ 8,451,000
Owensboro, KY 1 $ 565,000 $ 565,000 $ 587,000
Oxnard-Thousand Oaks-Ventura, CA 1 $ 345,000 $ 345,000 $ 338,000
Palm Bay-Melbourne-Titusville, FL 1 $ 14,305,000 $ 14,305,000 $ 0
Rome, GA 1 $ 55,000 $ 55,000 $ 65,000
Salt Lake City, UT 1 $ 4,005,000 $ 4,005,000 $ 1,232,000
Sandusky, OH 1 $ 305,000 $ 305,000 $ 147,000
Santa Maria-Santa Barbara, CA 1 $ 15,755,000 $ 15,755,000 $ 0
Savannah, GA 1 $ 205,000 $ 205,000 $ 0
Tucson, AZ 1 $ 415,000 $ 415,000 $ 222,000
Tuscaloosa, AL 1 $ 155,000 $ 155,000 $ 140,000
Valdosta, GA 1 $ 10,205,000 $ 10,205,000 $ 0
Warren-Troy-Farmington Hills, MI 1 $ 1,425,000 $ 1,425,000 $ 601,000
York-Hanover, PA 1 $ 185,000 $ 185,000 $ 84,000
Youngstown-Warren-Boardman, OH-PA 1 $ 3,675,000 $ 3,675,000 $ 0

Mortgage Loan Application Detail Totals for Pinnacle Bank in 2025

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 4,772 $2,019,270,000 $423,000 $38,365,000 $230,000 $9,924,000
Home Improvement 1,624 $279,400,000 $172,000 $4,115,000 $222,000 $6,540,000
Refinancing 803 $490,565,000 $610,000 $14,875,000 $357,000 $6,696,000
Other Purpose 795 $217,255,000 $273,000 $6,505,000 $273,000 $6,588,000
Cash-out Refinancing 316 $106,030,000 $335,000 $3,005,000 $160,000 $2,664,000
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 4,382 $1,703,530,000 $388,000 $7,485,000 $288,000 $8,718,000
Black or African American 1,179 $190,945,000 $161,000 $2,005,000 $103,000 $2,868,000
Not Provided 1,121 $420,825,000 $375,000 $15,755,000 $318,000 $9,924,000
Hispanic 958 $193,180,000 $201,000 $5,365,000 $109,000 $3,054,000
Not applicable 367 $496,505,000 $1,352,000 $38,365,000 $71,000 $399,000
Asian 264 $92,830,000 $351,000 $3,725,000 $219,000 $8,451,000
American Indian or Alaskan Native 32 $12,500,000 $390,000 $2,645,000 $368,000 $4,463,000
Native Hawaiian or Other Pacific Islander 7 $2,205,000 $315,000 $1,085,000 $259,000 $695,000

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) 8,001 $3,008,845,000 $376,000 $38,365,000 $246,000 $9,924,000
FHA-insured (Federal Housing Administration) 225 $66,205,000 $294,000 $655,000 $95,000 $271,000
VA-guaranteed (Veterans Administration) 84 $37,470,000 $446,000 $1,425,000 $136,000 $431,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

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 5,548 $2,251,200,000 $405,000 $38,365,000 $248,000 $8,451,000
Application Denied By Financial Institution 1,273 $320,895,000 $252,000 $5,405,000 $137,000 $6,540,000
Application Withdrawn By Applicant 975 $395,025,000 $405,000 $7,485,000 $314,000 $9,924,000
Application Approved But Not Accepted 433 $107,195,000 $247,000 $5,005,000 $278,000 $4,565,000
File Closed For Incompleteness 64 $34,880,000 $545,000 $3,525,000 $322,000 $3,000,000
Loan Purchased By The Institution 17 $3,325,000 $195,000 $625,000 $71,000 $399,000
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 7,037 $2,791,625,000 $396,000 $38,365,000 $260,000 $9,924,000
Debt-To-Income Ratio 554 $167,970,000 $303,000 $5,405,000 $110,000 $1,212,000
Credit History 428 $68,100,000 $159,000 $3,565,000 $153,000 $2,868,000
Collateral 91 $19,175,000 $210,000 $2,375,000 $143,000 $724,000
Insufficient Cash (Downpayment, Closing Cost) 64 $29,400,000 $459,000 $5,365,000 $122,000 $2,040,000
Unverifiable Information 64 $15,310,000 $239,000 $1,505,000 $259,000 $6,540,000
Other 42 $9,110,000 $216,000 $605,000 $137,000 $869,000
Employment History 19 $5,435,000 $286,000 $805,000 $137,000 $536,000
Credit Application Incomplete 11 $6,395,000 $581,000 $1,905,000 $93,000 $164,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Pinnacle Bank's 2025 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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