Pinnacle Bank
5,548 mortgages originated in 2025 across 10 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 5,548
- Median rate
- 6.500%
- Median lender fees
- $4,439
- Median loan amount
- $225,000
- Median spread over APOR
- 0.037
- Paid discount points
- 23.3%
- Received lender credits
- 14.7%
- Purchases / refinances
- 62.9% / 12.7%
- Conventional / FHA / VA
- 96.7% / 2.3% / 1%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 62.2% of loans here — see methodology.
Where Pinnacle Bank lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Tennessee | 2,808 | $4,516 | 6.500% |
| North Carolina | 1,222 | $4,007 | 6.625% |
| South Carolina | 417 | $4,440 | 6.625% |
| Virginia | 248 | $4,523 | 6.625% |
| Alabama | 224 | $3,799 | 6.313% |
| Georgia | 200 | $4,798 | 6.375% |
| Florida | 107 | $7,106 | 6.500% |
| Maryland | 82 | — | 6.125% |
| Mississippi | 51 | — | 6.500% |
| Kentucky | 51 | — | — |