Pinnacle Financial Partners Selected as Freddie Mac Seller/Servicer for New Conventional Small Loan Program

Pinnacle Financial Partners (NYSE: PNFP) announced today that it has been selected by Freddie Mac to participate as a Seller/Servicer in its newly launched Optigo® Conventional Small loan program, an integrated platform designed to finance small balance multifamily properties with greater efficiency, consistency and execution certainty. 

Freddie Mac recently retired its legacy Small Balance Loan (SBL) program and introduced the Conventional Small platform, aligning loans under $10 million with its broader conventional underwriting, documentation and servicing infrastructure. Pinnacle is one of a limited number of financial institutions invited to participate in the program, reflecting the firm’s experience, execution capabilities and focus on relationship-driven commercial real estate finance. 

The new platform simplifies the process for borrowers and advisors by leveraging a single set of documents, systems and teams across Freddie Mac’s conventional business. Through this program, Pinnacle will originate and service loans ranging from $2 million to $10 million nationwide, offering fixed-rate terms of five to 15 years. The structure is designed to support owners and operators of small multifamily assets with competitive leverage, streamlined execution and long-term servicing continuity through Pinnacle for the life of the loan. 

“This is a meaningful step forward for the small balance multifamily space,” said Jim Going, who leads Pinnacle’s Small Balance Loan platform. “Freddie Mac has taken what worked in SBL and integrated it into a more scalable, consistent framework. The result is a better experience for borrowers and their advisors, with stronger leverage, tighter pricing and a process that removes unnecessary friction. We’re honored to be part of a select group chosen to deliver this program and to bring it to our clients with the level of service and advice they expect from Pinnacle.” 

Pinnacle’s participation builds on its broader commitment to supporting commercial real estate clients through advice-driven relationships, local decision-making and consistent delivery across markets. As the combined Pinnacle organization continues to expand its capabilities following its merger with Synovus, specialty platforms like Small Balance Loans are expected to play an important role in serving clients across the firm’s growing footprint. 

 

About Pinnacle Financial Partners
Pinnacle Financial Partners, Inc. (“Pinnacle”) is a $122.8 billion asset regional bank which provides a full range of banking, investment, trust, mortgage and insurance products and services for commercial and consumer clients who want a comprehensive relationship with their financial institution. The firm joined forces with Synovus Financial Corp. in 2026, bringing together more than 160 years of combined banking service. Pinnacle is the largest bank headquartered in Tennessee and the largest bank holding company headquartered in Georgia. The firm is No. 1 in deposit market share* in the Nashville MSA and No. 4 in the Atlanta MSA with offices in Tennessee, Georgia, Florida, North Carolina, South Carolina, Alabama, Kentucky, Virginia and Maryland.  

Pinnacle is an employer of choice for financial services professionals. The firm is No. 12 in the Fortune 100 Best Companies to Work For® in 2026, its 10th consecutive appearance. Pinnacle was also recognized by American Banker as No. 4 among America’s Best Banks to Work For in 2025, its 13th consecutive year on the list, and No. 1 among banks with more than $10 billion in assets. Learn more about Pinnacle at PNFP.com.