Cornerstone Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
23rd18.4% deniedProcesswithdrawn + incomplete share, weight 15%
87th2.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 233 | 150 | 15.9% | 17.2% | — | $18M |
| 2024 | 206 | 130 | 23.3% | 23.8% | — | $18M |
| 2025 | 201 | 121 | 17.9% | 18.4% | — | $53M |
What Cornerstone Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 17 manufactured homes, 30 investment properties.
Who gets approved at Cornerstone Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 25 | 11 | 44.0% |
| $50k – $100k | 69 | 38 | 21.7% |
| $100k – $150k | 39 | 19 | 18.4% |
| $150k – $250k | 23 | 18 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 27 | 8 | 30.8% |
| 35–44 | 40 | 27 | 12.8% |
| 45–54 | 44 | 27 | 27.3% |
| 55–64 | 35 | 21 | 17.7% |
Where Cornerstone Bank lends
8 states and 44 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Nebraska | 194 | 115 | 18.0% | — | #75 |
Frequently asked questions
Cornerstone Bank denied 18.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 23rd percentile of small mortgage lenders.
In 2025, 40% of its applications were for home purchases, 27% for refinancing (including cash-out), and 33% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.