PINNACLE BANK
PINNACLE BANK received 1,228 applications in 2025 and made 851 mortgages, in 91 counties across 11 states. The median rate its borrowers got was Not published on a median loan of $205,000. Of 1,041 decisions, 161 were denials — 15.5%.
| Legal Entity Identifier | 2549006MTEQ1VE0AAQ20 |
|---|---|
| Applications received | 1,228 |
| Mortgages made | 851 |
| Denied | 161 |
| Approved, not taken up | 29 |
| Withdrawn or incomplete | 187 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Pinnacle Bank, 1 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 445 | Not published | $265,000 | 8.3% |
| Refinancing | 144 | Not published | $145,000 | 13.3% |
| Cash-out refinancing | 34 | Not published | $230,000 | 45.2% |
| Other purposes | 228 | Not published | $95,000 | 22.1% |
Where PINNACLE BANK lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Columbia County, GA | 145 | Not published | 7.6% |
| Richmond County, GA | 61 | Not published | 12.9% |
| Hart County, GA | 55 | Not published | 22.4% |
| Walton County, GA | 55 | Not published | 22.7% |
| Aiken County, SC | 48 | Not published | 14.0% |
| Hall County, GA | 47 | Not published | 14.3% |
| Elbert County, GA | 44 | Not published | 11.3% |
| Habersham County, GA | 38 | Not published | 23.5% |
| Clarke County, GA | 29 | Not published | 18.4% |
| Franklin County, GA | 27 | Not published | 23.7% |
| Gwinnett County, GA | 24 | Not published | 10.7% |
| Oconee County, GA | 18 | Not published | 14.3% |
| Oglethorpe County, GA | 18 | Not published | 21.7% |
| Union County, GA | 18 | Not published | 36.7% |
| Newton County, GA | 17 | Not published | 32.0% |
| Stephens County, GA | 16 | Not published | 5.3% |
| Jackson County, GA | 15 | Not published | 15.0% |
| Lumpkin County, GA | 15 | Not published | 0.0% |
| McDuffie County, GA | 14 | Not published | 0.0% |
| Banks County, GA | 10 | Not published | 9.1% |
| Madison County, GA | 9 | Under 10 loans | 25.0% |
| Barrow County, GA | 8 | Under 10 loans | 15.4% |
| Fulton County, GA | 8 | Under 10 loans | 11.1% |
| Chatham County, GA | 6 | Under 10 loans | 0.0% |
| Cherokee County, GA | 5 | Under 10 loans | 0.0% |
| Jefferson County, GA | 5 | Under 10 loans | 0.0% |
| Morgan County, GA | 5 | Under 10 loans | 0.0% |
| Towns County, GA | 5 | Under 10 loans | 25.0% |
| White County, GA | 5 | Under 10 loans | 0.0% |
| Edgefield County, SC | 5 | Under 10 loans | 0.0% |
| Cobb County, GA | 4 | Under 10 loans | 0.0% |
| Beaufort County, SC | 4 | Under 10 loans | 0.0% |
| Oconee County, SC | 4 | Under 10 loans | 20.0% |
| Bulloch County, GA | 3 | Under 10 loans | 0.0% |
| Dawson County, GA | 3 | Under 10 loans | 0.0% |
| Fannin County, GA | 3 | Under 10 loans | 40.0% |
| Jasper County, GA | 3 | Under 10 loans | 25.0% |
| Richland County, SC | 3 | Under 10 loans | 0.0% |
| Putnam County, GA | 2 | Under 10 loans | 0.0% |
| Wilkes County, GA | 2 | Under 10 loans | 0.0% |
| Macon County, NC | 2 | Under 10 loans | 0.0% |
| Abbeville County, SC | 2 | Under 10 loans | 0.0% |
| Anderson County, SC | 2 | Under 10 loans | 0.0% |
| Colbert County, AL | 1 | Under 10 loans | 0.0% |
| Jefferson County, AL | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| Marion County, FL | 1 | Under 10 loans | 50.0% |
| St. Johns County, FL | 1 | Under 10 loans | 0.0% |
| Bartow County, GA | 1 | Under 10 loans | 0.0% |
| Bibb County, GA | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.