Applications / Mortgage Analytics / Lenders / Tennessee / Pinnacle Bank
Nashville, TN · State member bank · FRS · $57.6 billion assets · 5,548 loans in 2025
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5,548
loans originated, 2025
8,293
applications, 2025
41
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pinnacle Bank holds a steady 2.4% of its home Nashville market and lends to low- and moderate-income borrowers and areas more than nearly all similar lenders.
Of its loans, 39.3% went to LMI (low- and moderate-income) borrowers, against 26.3% at similar lenders (state member banks making between half and twice as many loans), a higher share than nearly all of them. Its 25.1% share in LMI areas was the highest in the group, and 30.3% of its loans were in majority-minority areas, against 17.5%. Its main markets, Nashville and Memphis, may account for part of this.
Five years before, those shares were 18.3% of borrowers and 12.7% of areas; both have roughly doubled. Over the same years its originations fell from 10,739 to 5,548, and home purchases are now 62.9% of its lending. A smaller, purchase-led book may explain part of the shift.
It has lent in Nashville since before 1990 and ranks 5 of 821 lenders there, with 2.4% of the market in both years. In Charleston its share rose to 1.2% from 0.7%, and in Memphis it ranks 6 of 515. Originations grew 4%, near the middle of similar lenders, who grew 1%, while the whole market grew 10%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Pinnacle Bank took 8,293 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.9% · Home improvement 16.4% · Refinance 12.7% · Other 8.0%
Conventional 96.7% · FHA 2.3% · VA 1.0% · of 5,548 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Tennessee | 2,808 | 50.6% |
| North Carolina | 1,222 | 22.0% |
| South Carolina | 417 | 7.5% |
| Virginia | 248 | 4.5% |
| Alabama | 224 | 4.0% |
| Georgia | 200 | 3.6% |
| Florida | 107 | 1.9% |
| Maryland | 82 | 1.5% |
| Kentucky | 51 | 0.9% |
| Mississippi | 51 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nashville-Davidson--Murfreesboro--Franklin | 1,406 |
| Memphis | 842 |
| Charlotte-Concord-Gastonia | 313 |
| Greensboro-High Point | 278 |
| Knoxville | 260 |
| Chattanooga | 230 |
| Charleston-North Charleston | 219 |
| Winston-Salem | 210 |
| Huntsville | 165 |
| Roanoke | 149 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CDOC4F7XSRG390 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2925666 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 124083 | 2001–2011 |
| Respondent ID (the HMDA filer code before 2018) | 335583 | 2012–2016 |
| Respondent ID (the HMDA filer code before 2018) | 92925666 | 2017–2017 |
Established 27 October 2000. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Pinnacle Bank's data.
Pinnacle Bank's data
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