Applications / Mortgage Analytics / Lenders / New Jersey / Pinnacle Mortgage
East Hanover, NJ · Independent non-bank lender · CFPB · 256 loans in 2025
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256
loans originated, 2025
256
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pinnacle Mortgage, a New Jersey lender, makes bigger conventional loans than its peers, and it has shrunk to 256 loans from 1,861 in 2020.
Its loans fell 16% in 2025. Similar lenders, meaning independent non-bank lenders making between half and twice as many loans, held steady, and the whole market grew 10%. Its 256 loans compare with 1,861 in 2020 and 721 in 2019. That peak came when its typical rate was 2.75%, against 6.49% now, and far fewer borrowers may have reason to refinance at today's rates.
Its typical loan was $490,000, against $325,000 at a typical similar lender, and larger than at more than four in five of its peers. That is up from $365,000 in 2020. Conventional loans made up 88.3% of its business, against 75.8% at peers, and only 0.4% of its loans were higher-priced, meaning a rate well above the average for similar loans.
It placed 5.9% of its loans in low- and moderate-income (LMI) neighborhoods, against 18.6% at its peers, among the lowest twentieth of the group. LMI borrowers were 13.3% of its customers, against 21.9%. A lender of larger loans may simply serve better-off buyers, and a book this small can swing with a few markets: the neighborhood share was 11.6% a year earlier.
It lends in 3 states, mostly New Jersey, and is a minor name in large markets, ranking 197 of 802 lenders around New York. Its strongest showing is around Atlantic City, where it ranks 105 of 423 and its share rose to 0.2% from 0.1%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Mortgage took 256 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 71.1% · Refinance 28.9%
Conventional 88.3% · FHA 10.9% · VA 0.8% · of 256 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 |
|---|---|---|
| New Jersey | 197 | 77.0% |
| Pennsylvania | 51 | 19.9% |
| Florida | 8 | 3.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 71 |
| Lakewood-New Brunswick | 57 |
| Newark | 55 |
| Montgomery County-Bucks County-Chester County | 39 |
| Atlantic City-Hammonton | 8 |
| Philadelphia | 7 |
| Camden | 3 |
| Trenton-Princeton | 3 |
| Allentown-Bethlehem-Easton | 2 |
| Miami-Miami Beach-Kendall | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BTFTXJ72LSIY30 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 5163115 | 2017–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7223048514 |
Established 5 February 1990. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: Pinnacle Mortgage's data.
Pinnacle Mortgage's data
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Pinnacle Mortgage 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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