Lender in North Carolina · HMDA 2025
Cornerstone Capital Bank, SSB mortgages in North Carolina
Cornerstone Capital Bank, SSB's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Cornerstone Capital Bank, SSB originated 744 owner-occupied single-family loans in North Carolina from 758 completed applications.
Its median conventional purchase loan costs were $6,050 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.50% (North Carolina: 6.50%).
Loans in NC
744
of 758 applications
Denial rate
1.5%
Purchase · NC 7.6%
Rate spread
+0.14 pts
Conv. · NC +0.04 pts
Loan amount
$315,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 734 | 721 | 1.5% | 6.500% | +0.14 pts | $6,050 | $315,000 |
| Refinance | 8 | 8 | — | — | — | — | — |
| Cash-out refinance | 16 | 15 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Cornerstone Capital Bank, SSB ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Chowan County | 5 | 9 | 5.2% |
| Robeson County | 7 | 21 | 3.3% |
| Pasquotank County | 8 | 22 | 2.6% |
| Hertford County | 8 | 3 | 3.2% |
| Cumberland County | 9 | 140 | 2.4% |
| Sampson County | 9 | 13 | 2.6% |
| Wayne County | 11 | 43 | 2.6% |
| Hoke County | 12 | 30 | 1.7% |
| Perquimans County | 13 | 4 | 2.0% |
| Washington County | 16 | 1 | 1.6% |
| New Hanover County | 17 | 53 | 1.6% |
| Johnston County | 18 | 71 | 1.4% |
| Harnett County | 18 | 54 | 1.4% |
| Martin County | 18 | 2 | 1.3% |
| Camden County | 21 | 3 | 1.1% |
| Northampton County | 22 | 1 | 1.1% |
| Lenoir County | 24 | 5 | 1.0% |
| Vance County | 24 | 3 | 1.0% |
- Cornerstone Capital Bank, SSB nationwide
- North Carolina mortgage market
- Cornerstone Capital Bank, SSB in Texas
- Cornerstone Capital Bank, SSB in Washington
- Cornerstone Capital Bank, SSB in Colorado
- Cornerstone Capital Bank, SSB in Oklahoma
- Cornerstone Capital Bank, SSB in Idaho
- Cornerstone Capital Bank, SSB in Alaska
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology