Pinnacle Mortgage
Pinnacle Mortgage has 296 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
FHA · Conventional
Place
Strong
4/5
Regional · 5 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
Explore another lender or local market
Report Card
Pinnacle Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+2.7 bps above market avg
5/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
250 loans · 0.03% below market
Sound
Top 60% of lenders
3/5
FHA
35 loans · 0.42% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
251 loans · 0.03% above market
Sound
Top 60% of lenders
3/5
Refinance
45 loans · 0.03% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Regional · 5 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 250 | 84.5% | -0.032%Below | $1,004Fees | ||||
FHA Loans | 35 | 11.8% | +0.416%Above | $455Fees |
Conventional
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume250
Mix84.5%
Spread
-0.032%Below
Fees
$1,004Fees
FHA Loans
OverallStrong
ProductSound
PricingStrong
Pull ThroughExceptional
Volume35
Mix11.8%
Spread
+0.416%Above
Fees
$455Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 251 | 84.8% | +0.027%Above | $932Fees | ||||
Refinance | 45 | 15.2% | +0.025%Above | $953Fees |
Purchase
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume251
Mix84.8%
Spread
+0.027%Above
Fees
$932Fees
Refinance
OverallStrong
ProductSound
PricingStrong
Pull ThroughStrong
Volume45
Mix15.2%
Spread
+0.025%Above
Fees
$953Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
296
Applications
296
Volume
$142 million
Pricing & Closing
Avg Rate Spread
+0.027%
vs. market APOR
Avg Net Fees
$935
Origination − Credits
Pullthrough Rate
100.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$480,980
Avg Borrower Income
$247,152
Avg Property Value
$699,730
Geographic Coverage
Geographic Performance
Metro Areas
5
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
4Full-year 2024 · HMDALoans originated
< 5050+None
Northeast2
NJPA
South2
FLSC
Top Metro Areas by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.