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Act (HMDA) records Pinnacle Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 4,613 | $ 1,652,615,000 | $ 358,251 | $ 190,000 |
| Memphis, TN-MS-AR | 1,607 | $ 420,775,000 | $ 261,838 | $ 148,825 |
| Knoxville, TN | 1,138 | $ 383,950,000 | $ 337,390 | $ 179,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1,007 | $ 410,135,000 | $ 407,284 | $ 203,053 |
| Outside any metro area | 748 | $ 272,060,000 | $ 363,716 | $ 228,904 |
| Chattanooga, TN-GA | 671 | $ 286,405,000 | $ 426,833 | $ 212,634 |
| Greensboro-High Point, NC | 644 | $ 120,960,000 | $ 187,826 | $ 127,000 |
| Winston-Salem, NC | 556 | $ 122,370,000 | $ 220,089 | $ 141,000 |
| Charleston-North Charleston, SC | 464 | $ 210,840,000 | $ 454,396 | $ 203,000 |
| Atlanta-Sandy Springs-Roswell, GA | 352 | $ 104,730,000 | $ 297,528 | $ 272,000 |
| Greenville-Anderson-Mauldin, SC | 326 | $ 103,900,000 | $ 318,711 | $ 144,000 |
| Roanoke, VA | 256 | $ 57,330,000 | $ 223,945 | $ 175,000 |
| Raleigh, NC | 237 | $ 144,315,000 | $ 608,924 | $ 203,000 |
| Durham-Chapel Hill, NC | 169 | $ 47,505,000 | $ 281,094 | $ 172,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 133 | $ 75,945,000 | $ 571,015 | $ 228,360 |
| Hilton Head Island-Bluffton-Beaufort, SC | 74 | $ 22,310,000 | $ 301,486 | $ 220,000 |
| Cleveland, TN | 64 | $ 17,970,000 | $ 280,781 | $ 151,000 |
| Crestview-Fort Walton Beach-Destin, FL | 60 | $ 70,640,000 | $ 1,177,333 | $ 734,000 |
| Huntsville, AL | 57 | $ 20,965,000 | $ 367,807 | $ 197,000 |
| Asheville, NC | 54 | $ 28,210,000 | $ 522,407 | $ 315,000 |
| Burlington, NC | 48 | $ 13,700,000 | $ 285,416 | $ 85,000 |
| Clarksville, TN-KY | 44 | $ 13,160,000 | $ 299,090 | $ 74,977 |
| Spartanburg, SC | 41 | $ 8,185,000 | $ 199,634 | $ 125,000 |
| Augusta-Richmond County, GA-SC | 38 | $ 27,470,000 | $ 722,894 | $ 190,736 |
| Lynchburg, VA | 33 | $ 21,545,000 | $ 652,878 | $ 264,000 |
| Wilmington, NC | 28 | $ 10,090,000 | $ 360,357 | $ 221,000 |
| Columbia, SC | 24 | $ 5,850,000 | $ 243,750 | $ 185,000 |
| Fayetteville, NC | 21 | $ 5,935,000 | $ 282,619 | $ 153,000 |
| Hickory-Lenoir-Morganton, NC | 21 | $ 7,015,000 | $ 334,047 | $ 278,000 |
| Cincinnati, OH-KY-IN | 19 | $ 63,395,000 | $ 3,336,578 | $ 0 |
| Morristown, TN | 19 | $ 5,275,000 | $ 277,631 | $ 177,000 |
| Tampa-St. Petersburg-Clearwater, FL | 19 | $ 60,355,000 | $ 3,176,578 | $ 239,000 |
| Los Angeles-Long Beach-Glendale, CA | 18 | $ 40,700,000 | $ 2,261,111 | $ 380,000 |
| Panama City, FL | 17 | $ 7,345,000 | $ 432,058 | $ 330,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 16 | $ 65,580,000 | $ 4,098,750 | $ 287,062 |
| Orlando-Kissimmee-Sanford, FL | 15 | $ 6,895,000 | $ 459,666 | $ 196,000 |
| North Port-Sarasota-Bradenton, FL | 14 | $ 7,690,000 | $ 549,285 | $ 267,000 |
| Little Rock-North Little Rock-Conway, AR | 13 | $ 1,325,000 | $ 101,923 | $ 187,000 |
| New York-Jersey City-White Plains, NY-NJ | 13 | $ 21,205,000 | $ 1,631,153 | $ 662,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 13 | $ 10,365,000 | $ 797,307 | $ 498,000 |
| Cleveland-Elyria, OH | 12 | $ 28,890,000 | $ 2,407,500 | $ 150,000 |
| Florence-Muscle Shoals, AL | 12 | $ 3,380,000 | $ 281,666 | $ 402,000 |
| Jackson, TN | 12 | $ 1,340,000 | $ 111,666 | $ 76,000 |
| Pensacola-Ferry Pass-Brent, FL | 12 | $ 3,650,000 | $ 304,166 | $ 151,000 |
| Birmingham-Hoover, AL | 11 | $ 9,975,000 | $ 906,818 | $ 128,000 |
| Dallas-Plano-Irving, TX | 11 | $ 21,955,000 | $ 1,995,909 | $ 329,000 |
| Daphne-Fairhope-Foley, AL | 11 | $ 3,285,000 | $ 298,636 | $ 153,000 |
| Cape Coral-Fort Myers, FL | 9 | $ 4,115,000 | $ 457,222 | $ 283,000 |
| Johnson City, TN | 9 | $ 4,445,000 | $ 493,888 | $ 220,000 |
| Naples-Immokalee-Marco Island, FL | 9 | $ 19,105,000 | $ 2,122,777 | $ 1,403,000 |
| Richmond, VA | 9 | $ 6,775,000 | $ 752,777 | $ 283,000 |
| Detroit-Dearborn-Livonia, MI | 8 | $ 14,780,000 | $ 1,847,500 | $ 570,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 8 | $ 4,020,000 | $ 502,500 | $ 1,400,000 |
| Louisville/Jefferson County, KY-IN | 8 | $ 26,750,000 | $ 3,343,750 | $ 123,000 |
| Savannah, GA | 8 | $ 2,660,000 | $ 332,500 | $ 242,000 |
| Chicago-Naperville, IL | 7 | $ 11,265,000 | $ 1,609,285 | $ 138,000 |
| Columbus, OH | 7 | $ 18,505,000 | $ 2,643,571 | $ 151,000 |
| Gainesville, GA | 7 | $ 1,245,000 | $ 177,857 | $ 166,000 |
| San Antonio-New Braunfels, TX | 7 | $ 11,925,000 | $ 1,703,571 | $ 87,000 |
| San Diego-Carlsbad, CA | 7 | $ 7,825,000 | $ 1,117,857 | $ 356,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 7 | $ 3,125,000 | $ 446,428 | $ 139,428 |
| Baltimore-Columbia-Towson, MD | 6 | $ 2,470,000 | $ 411,666 | $ 890,000 |
| Houston-The Woodlands-Sugar Land, TX | 6 | $ 12,870,000 | $ 2,145,000 | $ 106,000 |
| Jacksonville, FL | 6 | $ 5,430,000 | $ 905,000 | $ 342,000 |
| Miami-Miami Beach-Kendall, FL | 6 | $ 2,940,000 | $ 490,000 | $ 430,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 2,060,000 | $ 343,333 | $ 374,000 |
| St. Louis, MO-IL | 6 | $ 4,000,000 | $ 666,666 | $ 350,000 |
| Dalton, GA | 5 | $ 1,555,000 | $ 311,000 | $ 258,000 |
| Kingsport-Bristol-Bristol, TN-VA | 5 | $ 1,295,000 | $ 259,000 | $ 89,800 |
| Las Vegas-Henderson-Paradise, NV | 5 | $ 8,095,000 | $ 1,619,000 | $ 180,000 |
| Lexington-Fayette, KY | 5 | $ 7,995,000 | $ 1,599,000 | $ 113,000 |
| Oklahoma City, OK | 5 | $ 5,255,000 | $ 1,051,000 | $ 459,000 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 6,165,000 | $ 1,233,000 | $ 1,255,000 |
| Port St. Lucie, FL | 5 | $ 3,195,000 | $ 639,000 | $ 762,000 |
| Warren-Troy-Farmington Hills, MI | 5 | $ 13,565,000 | $ 2,713,000 | $ 194,000 |
| Anaheim-Santa Ana-Irvine, CA | 4 | $ 5,040,000 | $ 1,260,000 | $ 696,000 |
| Blacksburg-Christiansburg-Radford, VA | 4 | $ 1,220,000 | $ 305,000 | $ 80,000 |
| Brunswick, GA | 4 | $ 6,330,000 | $ 1,582,500 | $ 1,089,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 3,470,000 | $ 867,500 | $ 269,000 |
| Greenville, NC | 4 | $ 620,000 | $ 155,000 | $ 201,000 |
| Jacksonville, NC | 4 | $ 1,310,000 | $ 327,500 | $ 274,000 |
| Lakeland-Winter Haven, FL | 4 | $ 560,000 | $ 140,000 | $ 81,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 4 | $ 12,160,000 | $ 3,040,000 | $ 539,000 |
| Seattle-Bellevue-Everett, WA | 4 | $ 4,620,000 | $ 1,155,000 | $ 716,000 |
| Tucson, AZ | 4 | $ 5,020,000 | $ 1,255,000 | $ 492,000 |
| Albuquerque, NM | 3 | $ 9,965,000 | $ 3,321,666 | $ 0 |
| Austin-Round Rock, TX | 3 | $ 1,415,000 | $ 471,666 | $ 292,000 |
| Bowling Green, KY | 3 | $ 1,455,000 | $ 485,000 | $ 167,000 |
| Decatur, AL | 3 | $ 565,000 | $ 188,333 | $ 420,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 1,305,000 | $ 435,000 | $ 255,000 |
| Gulfport-Biloxi-Pascagoula, MS | 3 | $ 6,965,000 | $ 2,321,666 | $ 501,000 |
| Jackson, MS | 3 | $ 605,000 | $ 201,666 | $ 56,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 9,195,000 | $ 3,065,000 | $ 0 |
| Missoula, MT | 3 | $ 855,000 | $ 285,000 | $ 182,000 |
| Nassau County-Suffolk County, NY | 3 | $ 6,495,000 | $ 2,165,000 | $ 828,000 |
| Philadelphia, PA | 3 | $ 3,065,000 | $ 1,021,666 | $ 342,000 |
| San Francisco-Redwood City-South San Francisco, CA | 3 | $ 6,415,000 | $ 2,138,333 | $ 0 |
| Sebastian-Vero Beach, FL | 3 | $ 1,905,000 | $ 635,000 | $ 350,000 |
| Sumter, SC | 3 | $ 1,385,000 | $ 461,666 | $ 366,000 |
| Washington-Baltimore-Arlington, DC | 3 | $ 2,715,000 | $ 905,000 | $ 334,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 2,860,000 | $ 1,430,000 | $ 0 |
| Auburn-Opelika, AL | 2 | $ 660,000 | $ 330,000 | $ 282,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 1,250,000 | $ 625,000 | $ 495,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 7,330,000 | $ 3,665,000 | $ 0 |
| Cape Girardeau, MO-IL | 2 | $ 290,000 | $ 145,000 | $ 112,000 |
| Charlottesville, VA | 2 | $ 600,000 | $ 300,000 | $ 196,000 |
| Dayton-Springfield-Kettering, OH | 2 | $ 6,170,000 | $ 3,085,000 | $ 240,000 |
| Florence, SC | 2 | $ 130,000 | $ 65,000 | $ 245,000 |
| Fresno, CA | 2 | $ 2,640,000 | $ 1,320,000 | $ 165,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 18,740,000 | $ 9,370,000 | $ 123,000 |
| Kansas City, MO-KS | 2 | $ 1,760,000 | $ 880,000 | $ 435,000 |
| New Bern, NC | 2 | $ 570,000 | $ 285,000 | $ 183,000 |
| New Haven-Milford, CT | 2 | $ 920,000 | $ 460,000 | $ 222,000 |
| New Orleans-Metairie, LA | 2 | $ 2,970,000 | $ 1,485,000 | $ 266,000 |
| New York-Newark, NY | 2 | $ 490,000 | $ 245,000 | $ 62,000 |
| Rocky Mount, NC | 2 | $ 4,980,000 | $ 2,490,000 | $ 120,000 |
| Springfield, MO | 2 | $ 720,000 | $ 360,000 | $ 202,000 |
| Staunton-Waynesboro, VA | 2 | $ 410,000 | $ 205,000 | $ 46,000 |
| The Villages, FL | 2 | $ 440,000 | $ 220,000 | $ 42,000 |
| Toledo, OH | 2 | $ 4,720,000 | $ 2,360,000 | $ 0 |
| Tuscaloosa, AL | 2 | $ 1,550,000 | $ 775,000 | $ 883,000 |
| Abilene, TX | 1 | $ 505,000 | $ 505,000 | $ 349,000 |
| Akron, OH | 1 | $ 325,000 | $ 325,000 | $ 142,000 |
| Albany, GA | 1 | $ 145,000 | $ 145,000 | $ 44,000 |
| Ann Arbor, MI | 1 | $ 275,000 | $ 275,000 | $ 207,000 |
| Appleton, WI | 1 | $ 385,000 | $ 385,000 | $ 71,000 |
| Bakersfield, CA | 1 | $ 2,155,000 | $ 2,155,000 | $ 0 |
| Baton Rouge, LA | 1 | $ 545,000 | $ 545,000 | $ 115,000 |
| Boulder, CO | 1 | $ 225,000 | $ 225,000 | $ 45,000 |
| Brownsville-Harlingen, TX | 1 | $ 2,095,000 | $ 2,095,000 | $ 0 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 1,205,000 | $ 1,205,000 | $ 0 |
| Camden, NJ | 1 | $ 775,000 | $ 775,000 | $ 625,000 |
| Canton-Massillon, OH | 1 | $ 1,765,000 | $ 1,765,000 | $ 0 |
| Colorado Springs, CO | 1 | $ 405,000 | $ 405,000 | $ 101,000 |
| Corpus Christi, TX | 1 | $ 2,855,000 | $ 2,855,000 | $ 0 |
| Denver-Aurora-Lakewood, CO | 1 | $ 605,000 | $ 605,000 | $ 91,000 |
| Evansville, IN-KY | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Fort Collins, CO | 1 | $ 335,000 | $ 335,000 | $ 110,000 |
| Fort Wayne, IN | 1 | $ 255,000 | $ 255,000 | $ 340,000 |
| Fort Worth-Arlington, TX | 1 | $ 385,000 | $ 385,000 | $ 98,000 |
| Gary, IN | 1 | $ 75,000 | $ 75,000 | $ 129,000 |
| Hanford-Corcoran, CA | 1 | $ 1,695,000 | $ 1,695,000 | $ 0 |
| Hot Springs, AR | 1 | $ 125,000 | $ 125,000 | $ 123,000 |
| Jonesboro, AR | 1 | $ 185,000 | $ 185,000 | $ 178,000 |
| Kalamazoo-Portage, MI | 1 | $ 235,000 | $ 235,000 | $ 130,000 |
| Killeen-Temple, TX | 1 | $ 1,915,000 | $ 1,915,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 855,000 | $ 855,000 | $ 627,000 |
| Lancaster, PA | 1 | $ 345,000 | $ 345,000 | $ 385,000 |
| Las Cruces, NM | 1 | $ 375,000 | $ 375,000 | $ 137,000 |
| Lubbock, TX | 1 | $ 145,000 | $ 145,000 | $ 367,000 |
| Madison, WI | 1 | $ 205,000 | $ 205,000 | $ 162,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 95,000 | $ 95,000 | $ 623,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 445,000 | $ 445,000 | $ 423,000 |
| Mobile, AL | 1 | $ 695,000 | $ 695,000 | $ 251,000 |
| Napa, CA | 1 | $ 695,000 | $ 695,000 | $ 208,000 |
| Ocala, FL | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 1,305,000 | $ 1,305,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 485,000 | $ 485,000 | $ 990,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 1,525,000 | $ 1,525,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 195,000 | $ 195,000 | $ 42,000 |
| Reading, PA | 1 | $ 115,000 | $ 115,000 | $ 52,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 725,000 | $ 725,000 | $ 210,000 |
| Rochester, NY | 1 | $ 485,000 | $ 485,000 | $ 325,000 |
| Rockingham County-Strafford County, NH | 1 | $ 515,000 | $ 515,000 | $ 101,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 435,000 | $ 435,000 | $ 73,000 |
| San Rafael, CA | 1 | $ 515,000 | $ 515,000 | $ 1,904,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 605,000 | $ 605,000 | $ 137,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 265,000 | $ 265,000 | $ 211,000 |
| Tacoma-Lakewood, WA | 1 | $ 75,000 | $ 75,000 | $ 108,000 |
| Tallahassee, FL | 1 | $ 195,000 | $ 195,000 | $ 144,000 |
| Trenton, NJ | 1 | $ 1,105,000 | $ 1,105,000 | $ 0 |
| Tulsa, OK | 1 | $ 1,515,000 | $ 1,515,000 | $ 0 |
| Winchester, VA-WV | 1 | $ 485,000 | $ 485,000 | $ 104,000 |
| York-Hanover, PA | 1 | $ 175,000 | $ 175,000 | $ 40,000 |
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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