Cornerstone Capital Bank, SSB: 2025 mortgage rates, costs & approvals
How Cornerstone Capital Bank, SSB priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: CORNERSTONE CAPITAL BANK, SSB · LEI 549300CY7WNAHKHYSJ73
In 2025, Cornerstone Capital Bank, SSB originated 6,083 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 42 states — 104th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 7 basis points above the national median. Median conventional loan costs were $8,080, 45% higher than the national median ($5,570).
It denied 2.0% of completed home-purchase applications (all lenders: 8.5%).
How Cornerstone Capital Bank, SSB priced home-purchase loans
| Purchase loans, 2025 | Cornerstone Capital Bank, SSB | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.124% | 6.250% |
| 30-year fixed rate · VA | 5.750% | 6.125% |
| 15-year fixed rate · conventional | 5.875% | 5.875% |
| Rate spread vs. APOR · conventional | +0.20 pts | +0.13 pts |
| Total loan costs · conventional | $8,080 | $5,570 |
| Total loan costs · FHA | $13,160 | $11,310 |
| Total loan costs · VA | $6,520 | $6,490 |
| Origination charges (all types) | $3,440 | $1,860 |
| Borrowers paying discount points | 65.8% | 51.3% |
| Points paid, when paid (% of loan) | 1.13% | 0.87% |
| Borrowers receiving lender credits | 41.1% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Cornerstone Capital Bank, SSB denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Cornerstone Capital Bank, SSB lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Texas | 2,016 | 2,079 | 2.9% | 6.625% | $9,770 |
| Washington | 1,110 | 1,125 | 1.0% | 6.625% | $8,260 |
| North Carolina | 744 | 758 | 1.5% | 6.500% | $6,050 |
| Colorado | 415 | 421 | 1.7% | 6.625% | $5,970 |
| Oklahoma | 345 | 357 | 3.0% | 6.750% | $6,490 |
| Idaho | 236 | 238 | 0.9% | 6.375% | $7,560 |
| Alaska | 222 | 223 | 0.5% | 6.375% | $9,350 |
| California | 184 | 187 | 0.7% | 6.875% | $9,720 |
| Montana | 162 | 163 | 0.7% | 6.625% | $10,070 |
| Arizona | 117 | 119 | 1.9% | 6.625% | $7,340 |
| New Mexico | 111 | 113 | 1.0% | 6.625% | $5,990 |
| Oregon | 89 | 90 | 1.3% | 6.875% | $7,610 |
| Utah | 45 | 49 | 3.1% | — | $6,400 |
| Tennessee | 37 | 39 | 5.9% | — | — |
| Florida | 35 | 36 | 0.0% | — | — |
| Maryland | 27 | 28 | 0.0% | — | — |
| Alabama | 25 | 25 | 0.0% | — | — |
| Nevada | 22 | 23 | — | — | — |
| Georgia | 14 | 14 | — | — | — |
| Missouri | 14 | 14 | — | — | — |
| Arkansas | 13 | 13 | — | — | — |
| Kansas | 13 | 13 | — | — | — |
| Mississippi | 12 | 12 | — | — | — |
| Virginia | 10 | 10 | — | — | — |
| South Carolina | 9 | 11 | — | — | — |
| Illinois | 8 | 10 | — | — | — |
| Kentucky | 6 | 6 | — | — | — |
| Wisconsin | 6 | 6 | — | — | — |
| Louisiana | 5 | 6 | — | — | — |
| Pennsylvania | 4 | 4 | — | — | — |
| Maine | 3 | 3 | — | — | — |
| Michigan | 3 | 3 | — | — | — |
| Minnesota | 3 | 3 | — | — | — |
| Nebraska | 3 | 3 | — | — | — |
| West Virginia | 3 | 3 | — | — | — |
| Wyoming | 3 | 3 | — | — | — |
| District of Columbia | 2 | 2 | — | — | — |
| Hawaii | 2 | 2 | — | — | — |
| Ohio | 2 | 2 | — | — | — |
| Indiana | 1 | 1 | — | — | — |
| Massachusetts | 1 | 1 | — | — | — |
| South Dakota | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Cornerstone Capital Bank, SSB's page for that state.
Counties where Cornerstone Capital Bank, SSB is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Hoonah-Angoon Census Area, AK | 2 | 1 | 33.3% |
| Stonewall County, TX | 2 | 1 | 33.3% |
| Juneau City and Borough, AK | 1 | 83 | 23.7% |
| Fisher County, TX | 1 | 5 | 22.7% |
| Nolan County, TX | 1 | 21 | 19.3% |
| Delta County, CO | 1 | 81 | 18.6% |
| Ketchikan Gateway Borough, AK | 1 | 16 | 15.8% |
| Ouray County, CO | 1 | 11 | 13.4% |
| Crockett County, TX | 4 | 1 | 10.0% |
| Kenai Peninsula Borough, AK | 3 | 62 | 8.8% |
| San Juan County, NM | 4 | 76 | 8.8% |
| Prince of Wales-Hyder Census Area, AK | 6 | 1 | 8.3% |
| Gallatin County, MT | 3 | 107 | 7.4% |
| Sitka City and Borough, AK | 4 | 3 | 7.1% |
| Southeast Fairbanks Census Area, AK | 5 | 7 | 6.9% |
Check Cornerstone Capital Bank, SSB yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300CY7WNAHKHYSJ73.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Cornerstone Capital Bank, SSB with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology