Pinnacle Bank Mortgage Lending & HMDA Data, 2019
In 2019, Pinnacle Bank of Nashville, TN reported 11,389 mortgage applications totaling $3.4 billion, up 8% from 2018. The average application was for $301,463, and applicants reported an average income of $155,659. 76% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (3,802), Memphis, TN-MS-AR (1,980) and Knoxville, TN (892) (applications in parentheses).
| Mortgage Company & Address | Pinnacle Bank 150 3rd Ave South Nashville, TN 37203 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 11,389 |
| Total Mortgage Loan Application Amount | $3,433,365,000 |
| Average Mortgage Loan Application Amount | $301,463 |
| Highest Mortgage Loan Application Amount | $36,005,000 |
| Average Applicant Income | $155,659 |
| Highest Applicant Income | $6,347,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Pinnacle Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| 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 | 3,802 | $ 1,193,900,000 | $ 314,018 | $ 175,000 |
| Memphis, TN-MS-AR | 1,980 | $ 402,710,000 | $ 203,388 | $ 105,473 |
| Knoxville, TN | 892 | $ 262,200,000 | $ 293,946 | $ 158,000 |
| Charlotte-Concord-Gastonia, NC-SC | 687 | $ 216,435,000 | $ 315,043 | $ 161,672 |
| Chattanooga, TN-GA | 599 | $ 164,855,000 | $ 275,217 | $ 188,621 |
| Outside any metro area | 523 | $ 121,585,000 | $ 232,476 | $ 145,497 |
| Greensboro-High Point, NC | 500 | $ 73,490,000 | $ 146,980 | $ 94,000 |
| Winston-Salem, NC | 370 | $ 68,230,000 | $ 184,405 | $ 114,000 |
| Charleston-North Charleston, SC | 350 | $ 109,630,000 | $ 313,228 | $ 156,000 |
| Greenville-Anderson-Mauldin, SC | 226 | $ 62,230,000 | $ 275,353 | $ 167,000 |
| Roanoke, VA | 166 | $ 31,240,000 | $ 188,192 | $ 147,000 |
| Raleigh, NC | 165 | $ 82,785,000 | $ 501,727 | $ 153,000 |
| Durham-Chapel Hill, NC | 141 | $ 31,925,000 | $ 226,418 | $ 170,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 103 | $ 15,765,000 | $ 153,058 | $ 109,893 |
| Hilton Head Island-Bluffton-Beaufort, SC | 65 | $ 18,325,000 | $ 281,923 | $ 245,000 |
| Asheville, NC | 61 | $ 18,555,000 | $ 304,180 | $ 221,000 |
| Spartanburg, SC | 57 | $ 7,505,000 | $ 131,666 | $ 97,000 |
| Crestview-Fort Walton Beach-Destin, FL | 45 | $ 27,015,000 | $ 600,333 | $ 401,000 |
| Atlanta-Sandy Springs-Roswell, GA | 38 | $ 36,240,000 | $ 953,684 | $ 197,000 |
| Burlington, NC | 38 | $ 4,940,000 | $ 130,000 | $ 54,000 |
| Clarksville, TN-KY | 38 | $ 6,090,000 | $ 160,263 | $ 113,578 |
| Cleveland, TN | 34 | $ 11,040,000 | $ 324,705 | $ 169,000 |
| Augusta-Richmond County, GA-SC | 33 | $ 5,165,000 | $ 156,515 | $ 106,757 |
| Wilmington, NC | 20 | $ 6,270,000 | $ 313,500 | $ 202,000 |
| Cincinnati, OH-KY-IN | 13 | $ 33,575,000 | $ 2,582,692 | $ 170,000 |
| Columbus, OH | 13 | $ 27,845,000 | $ 2,141,923 | $ 242,000 |
| Dallas-Plano-Irving, TX | 13 | $ 12,235,000 | $ 941,153 | $ 355,000 |
| Savannah, GA | 13 | $ 3,345,000 | $ 257,307 | $ 106,000 |
| Morristown, TN | 12 | $ 3,220,000 | $ 268,333 | $ 115,000 |
| Warren-Troy-Farmington Hills, MI | 12 | $ 4,760,000 | $ 396,666 | $ 66,000 |
| Columbia, SC | 11 | $ 2,025,000 | $ 184,090 | $ 134,000 |
| Louisville/Jefferson County, KY-IN | 11 | $ 22,185,000 | $ 2,016,818 | $ 101,000 |
| Lynchburg, VA | 11 | $ 5,005,000 | $ 455,000 | $ 261,000 |
| Blacksburg-Christiansburg-Radford, VA | 10 | $ 1,800,000 | $ 180,000 | $ 133,000 |
| Chicago-Naperville, IL | 10 | $ 13,150,000 | $ 1,315,000 | $ 248,000 |
| Hickory-Lenoir-Morganton, NC | 10 | $ 2,860,000 | $ 286,000 | $ 182,000 |
| Huntsville, AL | 10 | $ 2,220,000 | $ 222,000 | $ 234,000 |
| New Orleans-Metairie, LA | 10 | $ 14,470,000 | $ 1,447,000 | $ 259,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 10 | $ 11,270,000 | $ 1,127,000 | $ 350,000 |
| New York-Jersey City-White Plains, NY-NJ | 9 | $ 12,885,000 | $ 1,431,666 | $ 744,555 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 9 | $ 4,675,000 | $ 519,444 | $ 510,555 |
| Bowling Green, KY | 8 | $ 1,640,000 | $ 205,000 | $ 330,000 |
| Dalton, GA | 8 | $ 1,550,000 | $ 193,750 | $ 113,000 |
| North Port-Sarasota-Bradenton, FL | 8 | $ 4,010,000 | $ 501,250 | $ 451,000 |
| Daphne-Fairhope-Foley, AL | 7 | $ 1,685,000 | $ 240,714 | $ 173,000 |
| Fayetteville, NC | 7 | $ 4,195,000 | $ 599,285 | $ 44,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 4,055,000 | $ 579,285 | $ 633,000 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 2,035,000 | $ 290,714 | $ 469,000 |
| Austin-Round Rock, TX | 6 | $ 8,470,000 | $ 1,411,666 | $ 143,000 |
| Denver-Aurora-Lakewood, CO | 6 | $ 10,980,000 | $ 1,830,000 | $ 224,000 |
| Houston-The Woodlands-Sugar Land, TX | 6 | $ 21,030,000 | $ 3,505,000 | $ 1,388,000 |
| Jacksonville, FL | 6 | $ 1,740,000 | $ 290,000 | $ 410,000 |
| Little Rock-North Little Rock-Conway, AR | 6 | $ 2,290,000 | $ 381,666 | $ 145,000 |
| Oklahoma City, OK | 6 | $ 9,830,000 | $ 1,638,333 | $ 282,000 |
| Orlando-Kissimmee-Sanford, FL | 6 | $ 25,140,000 | $ 4,190,000 | $ 187,000 |
| St. Louis, MO-IL | 6 | $ 1,130,000 | $ 188,333 | $ 79,333 |
| Birmingham-Hoover, AL | 5 | $ 1,145,000 | $ 229,000 | $ 134,000 |
| Johnson City, TN | 5 | $ 835,000 | $ 167,000 | $ 199,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 13,145,000 | $ 2,629,000 | $ 70,000 |
| Newark, NJ-PA | 5 | $ 8,145,000 | $ 1,629,000 | $ 0 |
| Panama City, FL | 5 | $ 1,175,000 | $ 235,000 | $ 166,000 |
| Bridgeport-Stamford-Norwalk, CT | 4 | $ 2,730,000 | $ 682,500 | $ 236,000 |
| Jackson, MS | 4 | $ 7,880,000 | $ 1,970,000 | $ 49,000 |
| Las Vegas-Henderson-Paradise, NV | 4 | $ 830,000 | $ 207,500 | $ 151,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 9,770,000 | $ 2,442,500 | $ 360,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 1,500,000 | $ 375,000 | $ 365,000 |
| Rocky Mount, NC | 4 | $ 490,000 | $ 122,500 | $ 347,000 |
| Sumter, SC | 4 | $ 620,000 | $ 155,000 | $ 74,000 |
| Anaheim-Santa Ana-Irvine, CA | 3 | $ 2,545,000 | $ 848,333 | $ 929,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 1,295,000 | $ 431,666 | $ 287,000 |
| Jacksonville, NC | 3 | $ 845,000 | $ 281,666 | $ 381,000 |
| Jonesboro, AR | 3 | $ 445,000 | $ 148,333 | $ 59,000 |
| Kansas City, MO-KS | 3 | $ 4,385,000 | $ 1,461,666 | $ 284,000 |
| Lake Charles, LA | 3 | $ 765,000 | $ 255,000 | $ 96,000 |
| Lexington-Fayette, KY | 3 | $ 3,915,000 | $ 1,305,000 | $ 290,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 6,835,000 | $ 2,278,333 | $ 412,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 805,000 | $ 268,333 | $ 84,000 |
| San Diego-Carlsbad, CA | 3 | $ 2,215,000 | $ 738,333 | $ 427,000 |
| Tucson, AZ | 3 | $ 1,425,000 | $ 475,000 | $ 485,000 |
| Winchester, VA-WV | 3 | $ 365,000 | $ 121,666 | $ 336,000 |
| Ann Arbor, MI | 2 | $ 590,000 | $ 295,000 | $ 61,000 |
| Brunswick, GA | 2 | $ 850,000 | $ 425,000 | $ 284,000 |
| Dayton-Springfield-Kettering, OH | 2 | $ 10,700,000 | $ 5,350,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 320,000 | $ 160,000 | $ 71,000 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 8,510,000 | $ 4,255,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 1,290,000 | $ 645,000 | $ 944,000 |
| Grand Forks, ND-MN | 2 | $ 8,900,000 | $ 4,450,000 | $ 0 |
| Greenville, NC | 2 | $ 190,000 | $ 95,000 | $ 129,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 270,000 | $ 135,000 | $ 96,000 |
| Jackson, TN | 2 | $ 150,000 | $ 75,000 | $ 47,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 280,000 | $ 140,000 | $ 84,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 5,760,000 | $ 2,880,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 780,000 | $ 390,000 | $ 391,000 |
| Ocala, FL | 2 | $ 880,000 | $ 440,000 | $ 239,000 |
| Port St. Lucie, FL | 2 | $ 2,190,000 | $ 1,095,000 | $ 661,000 |
| Richmond, VA | 2 | $ 6,880,000 | $ 3,440,000 | $ 0 |
| Shreveport-Bossier City, LA | 2 | $ 2,980,000 | $ 1,490,000 | $ 0 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 185,000 | $ 185,000 | $ 91,000 |
| Athens-Clarke County, GA | 1 | $ 375,000 | $ 375,000 | $ 885,000 |
| Barnstable Town, MA | 1 | $ 285,000 | $ 285,000 | $ 322,000 |
| Baton Rouge, LA | 1 | $ 305,000 | $ 305,000 | $ 139,000 |
| Beaumont-Port Arthur, TX | 1 | $ 105,000 | $ 105,000 | $ 61,000 |
| Boulder, CO | 1 | $ 455,000 | $ 455,000 | $ 164,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Charlottesville, VA | 1 | $ 65,000 | $ 65,000 | $ 120,000 |
| Columbia, MO | 1 | $ 175,000 | $ 175,000 | $ 58,000 |
| Corpus Christi, TX | 1 | $ 1,655,000 | $ 1,655,000 | $ 0 |
| Elizabethtown-Fort Knox, KY | 1 | $ 1,815,000 | $ 1,815,000 | $ 0 |
| Fargo, ND-MN | 1 | $ 5,555,000 | $ 5,555,000 | $ 0 |
| Fort Wayne, IN | 1 | $ 2,005,000 | $ 2,005,000 | $ 0 |
| Gainesville, GA | 1 | $ 395,000 | $ 395,000 | $ 108,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Harrisonburg, VA | 1 | $ 105,000 | $ 105,000 | $ 45,000 |
| Homosassa Springs, FL | 1 | $ 165,000 | $ 165,000 | $ 98,000 |
| Hot Springs, AR | 1 | $ 175,000 | $ 175,000 | $ 81,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 1,635,000 | $ 1,635,000 | $ 0 |
| Jackson, MI | 1 | $ 185,000 | $ 185,000 | $ 156,000 |
| Kokomo, IN | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| Laredo, TX | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Lubbock, TX | 1 | $ 175,000 | $ 175,000 | $ 43,000 |
| Macon-Bibb County, GA | 1 | $ 10,205,000 | $ 10,205,000 | $ 0 |
| Manchester-Nashua, NH | 1 | $ 1,125,000 | $ 1,125,000 | $ 0 |
| Manhattan, KS | 1 | $ 1,365,000 | $ 1,365,000 | $ 820,000 |
| Montgomery, AL | 1 | $ 7,265,000 | $ 7,265,000 | $ 0 |
| New Haven-Milford, CT | 1 | $ 1,255,000 | $ 1,255,000 | $ 0 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 575,000 | $ 575,000 | $ 134,000 |
| Ogden-Clearfield, UT | 1 | $ 285,000 | $ 285,000 | $ 401,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 305,000 | $ 305,000 | $ 85,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 225,000 | $ 225,000 | $ 571,000 |
| Rochester, NY | 1 | $ 485,000 | $ 485,000 | $ 325,000 |
| Saginaw, MI | 1 | $ 1,595,000 | $ 1,595,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 305,000 | $ 305,000 | $ 223,000 |
| San Rafael, CA | 1 | $ 1,085,000 | $ 1,085,000 | $ 1,636,000 |
| Santa Fe, NM | 1 | $ 295,000 | $ 295,000 | $ 75,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 455,000 | $ 455,000 | $ 197,000 |
| St. George, UT | 1 | $ 375,000 | $ 375,000 | $ 179,000 |
| Tallahassee, FL | 1 | $ 95,000 | $ 95,000 | $ 23,000 |
| Toledo, OH | 1 | $ 5,005,000 | $ 5,005,000 | $ 0 |
| Trenton, NJ | 1 | $ 295,000 | $ 295,000 | $ 76,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 635,000 | $ 635,000 | $ 279,000 |
| Warner Robins, GA | 1 | $ 105,000 | $ 105,000 | $ 82,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 45,000 | $ 45,000 | $ 116,000 |
| Wichita, KS | 1 | $ 215,000 | $ 215,000 | $ 191,000 |
Mortgage Loan Application Detail Totals for Pinnacle Bank in 2019
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 6,324 | $2,035,570,000 | $321,000 | $34,465,000 | $140,000 | $6,347,000 |
| Refinancing | 1,862 | $867,520,000 | $465,000 | $36,005,000 | $196,000 | $2,579,000 |
| Other Purpose | 1,463 | $215,835,000 | $147,000 | $4,285,000 | $180,000 | $2,600,000 |
| Home Improvement | 1,007 | $120,095,000 | $119,000 | $10,205,000 | $162,000 | $1,925,000 |
| Cash-out Refinancing | 733 | $194,345,000 | $265,000 | $2,205,000 | $131,000 | $1,902,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 7,383 | $1,952,415,000 | $264,000 | $11,005,000 | $164,000 | $6,347,000 |
| Not Provided | 1,422 | $325,240,000 | $228,000 | $2,705,000 | $195,000 | $2,579,000 |
| Black or African American | 1,175 | $210,175,000 | $178,000 | $965,000 | $75,000 | $3,500,000 |
| Not applicable | 808 | $815,500,000 | $1,009,000 | $36,005,000 | $0 | $0 |
| Hispanic | 301 | $58,235,000 | $193,000 | $835,000 | $83,000 | $2,307,000 |
| Asian | 239 | $57,765,000 | $241,000 | $2,975,000 | $131,000 | $1,042,000 |
| American Indian or Alaskan Native | 12 | $1,880,000 | $156,000 | $355,000 | $81,000 | $200,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $2,120,000 | $212,000 | $385,000 | $141,000 | $440,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 10,262 | $3,186,540,000 | $310,000 | $36,005,000 | $165,000 | $6,347,000 |
| FHA-insured (Federal Housing Administration) | 742 | $148,900,000 | $200,000 | $545,000 | $69,000 | $343,000 |
| VA-guaranteed (Veterans Administration) | 259 | $75,795,000 | $292,000 | $625,000 | $93,000 | $305,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 126 | $22,130,000 | $175,000 | $365,000 | $55,000 | $104,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 8,635 | $2,797,865,000 | $324,000 | $36,005,000 | $160,000 | $6,347,000 |
| Application Withdrawn By Applicant | 1,041 | $303,915,000 | $291,000 | $5,265,000 | $147,000 | $2,088,000 |
| Application Denied By Financial Institution | 930 | $180,890,000 | $194,000 | $3,655,000 | $104,000 | $4,067,000 |
| Application Approved But Not Accepted | 583 | $138,905,000 | $238,000 | $11,005,000 | $189,000 | $1,624,000 |
| Loan Purchased By The Institution | 168 | $2,200,000 | $13,000 | $15,000 | $0 | $0 |
| File Closed For Incompleteness | 31 | $8,685,000 | $280,000 | $985,000 | $140,000 | $694,000 |
| Preapproval Denied by Financial Institution | 1 | $905,000 | $905,000 | $905,000 | $300,000 | $300,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 10,458 | $3,251,570,000 | $310,000 | $36,005,000 | $160,000 | $6,347,000 |
| Debt-To-Income Ratio | 440 | $93,190,000 | $211,000 | $2,975,000 | $85,000 | $1,460,000 |
| Credit History | 277 | $28,425,000 | $102,000 | $1,165,000 | $89,000 | $520,000 |
| Collateral | 108 | $22,500,000 | $208,000 | $3,655,000 | $197,000 | $4,067,000 |
| Other | 37 | $20,355,000 | $550,000 | $2,815,000 | $150,000 | $731,000 |
| Unverifiable Information | 32 | $8,420,000 | $263,000 | $1,385,000 | $160,000 | $850,000 |
| Employment History | 19 | $4,265,000 | $224,000 | $605,000 | $121,000 | $840,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $3,315,000 | $221,000 | $605,000 | $108,000 | $433,000 |
| Credit Application Incomplete | 3 | $1,325,000 | $441,000 | $885,000 | $48,000 | $48,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pinnacle Bank's 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Pinnacle Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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