Applications / Mortgage Analytics / Lenders / Texas / Pinnacle Bank
Fort Worth, TX · State non-member bank · FDIC · $2.7 billion assets · 153 loans in 2025
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153
loans originated, 2025
190
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pinnacle Bank's lending more than doubled in dollars in 2025, to $91.0 million, as its loans grew both larger and more numerous.
Its loans rose 31%, from 117 to 153, against 10% at similar lenders (state non-member banks making between half and twice as many loans) and 10% across the market. Its dollar total was higher than at more than nine in ten peers. Even so, it made fewer loans than the 285 of 2018.
Its typical loan was $275,000, against $175,000 at peers, larger than at more than four in five of them. Jumbo loans (larger than the conforming limit) made up 5.6%, against 1.4%. Home purchases took 69.9% of its loans.
Low- and moderate-income (LMI) borrowers took 14.3% of its loans, against 28.1% at peers, lower than at about nine in ten. Larger loans may simply go to higher-income buyers. Yet LMI areas took 29.1% of its loans, against 17.5%, and majority-minority areas 24.2%, against 5.1%. That may reflect where in its 11 metros it lends.
In Abilene it ranked 10 of 251 lenders with 1.9% of the market, up from 0.0% the year before. First Financial Bank led there. In Dallas-Fort Worth-Arlington it ranked 194 of 1,026.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 190 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.9% · Refinance 20.9% · Home improvement 5.2% · Other 3.9%
Conventional 97.4% · VA 2.0% · FHA 0.7% · of 153 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 |
|---|---|---|
| Texas | 151 | 98.7% |
| Colorado | 1 | 0.7% |
| New Mexico | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Worth-Arlington-Grapevine | 93 |
| Dallas-Plano-Irving | 19 |
| San Angelo | 7 |
| San Antonio-New Braunfels | 7 |
| Abilene | 5 |
| Austin-Round Rock-San Marcos | 3 |
| College Station-Bryan | 3 |
| Amarillo | 2 |
| Houston-Pasadena-The Woodlands | 1 |
| Santa Fe | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SDQ83FUC7IK543 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 867650 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 320231 | 1990–2017 |
| Respondent ID (the HMDA filer code before 2018) | 2867650 | 2003–2003 |
Established 10 August 1970. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Pinnacle Bank's data.
Pinnacle Bank's data
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Pinnacle Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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