Purchase Originations
1,091
Ranked #350 nationally
Median Total Costs
$2,923
−56.2% vs national ($6,680)
↑ $84 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,245
Median Lender Credits
$59
Cost Rank (500+ vol.)
#44
among lenders with 500+ originations
Denial Rate
2.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 849 | 6.500% | $2,761 | $1,245 |
| fha | 152 | 6.125% | $7,211 | $1,245 |
| va | 60 | 6.000% | $4,397 | $1,245 |
| usda | 30 | 5.875% | $4,934 | $1,245 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Nebraska | 1,008 | 6.375% | $2,911 | #3 |
| Missouri | 49 | 6.250% | $3,167 | — |
| Kansas | 18 | 6.625% | $3,317 | — |
| Iowa | 8 | 6.250% | $2,880 | — |
| Arizona | 2 | 6.495% | $5,758 | — |
| Arkansas | 1 | 6.990% | $3,816 | — |
| Kentucky | 1 | 5.750% | $3,498 | — |
| Minnesota | 1 | 7.400% | $3,380 | — |
| North Carolina | 1 | 6.875% | $2,777 | — |
| South Dakota | 1 | 6.625% | $2,328 | — |
| Wyoming | 1 | 7.350% | $2,230 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,373 | 6.912% | — | 12 | −$1,550 | |
| 2 | $2,093 | 6.950% | — | 17 | −$830 | |
| 3 | $2,496 | 6.375% | — | 163 | −$427 | |
| 4 | $2,629 | 6.500% | — | 15 | −$294 | |
| 5 | $2,667 | 6.812% | — | 10 | −$256 | |
| 6 | $2,791 | 6.500% | — | 18 | −$132 | |
| 7 | $2,834 | 6.490% | — | 72 | −$89 | |
| 8 | $2,897 | 6.375% | — | 56 | −$26 | |
| 9 | $2,920 | 6.500% | — | 29 | −$3 | |
| 10 | $2,961 | 6.375% | — | 39 | +$38 | |
| 11 | $2,993 | 6.375% | — | 11 | +$70 | |
| 12 | $3,012 | 6.500% | — | 110 | +$89 | |
| 13 | $3,015 | 6.250% | — | 12 | +$92 | |
| 14 | $3,018 | 6.800% | — | 16 | +$95 | |
| 15 | $3,077 | 6.250% | — | 33 | +$154 | |
| 16 | $3,127 | 6.500% | — | 11 | +$204 | |
| 17 | $3,144 | 6.250% | — | 78 | +$221 | |
| 18 | $3,218 | 6.375% | — | 49 | +$295 | |
| 19 | $3,284 | 6.375% | — | 114 | +$361 | |
| 20 | $4,164 | 6.125% | — | 17 | +$1,241 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Pinnacle Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $2,923 | $7,127 | −$4,204 (−59.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.