Cornerstone Capital Bank in California vs the state
1.2%Denial rate-16.22 pts vs state
1.5%Decision denial rate-20.90 pts vs state
78.6%Origination rate+22.41 pts vs state
6.75%Median rate+0.13 pts vs state
0.34Rate spread (pts)+0.07 pts vs state
$213kMedian applicant income
261Loans originated
4Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 310 | 215 | 1.3% | 6.88% | #284 |
| 2024 | 223 | 171 | 2.2% | 7.13% | #338 |
| 2025 | 332 | 261 | 1.2% | 6.75% | #304 |
What Cornerstone Capital Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Cornerstone Capital Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 64 | 56 | 0 | 0.0% |
| San Diego County | 64 | 50 | 2 | 3.1% |
| Santa Barbara County | 59 | 47 | 0 | 0.0% |
| Orange County | 54 | 40 | 0 | 0.0% |
| San Bernardino County | 27 | 19 | 0 | 0.0% |
| Riverside County | 26 | 18 | 1 | 3.8% |
| Ventura County | 8 | 8 | 0 | 0.0% |
| Sonoma County | 7 | 4 | 0 | 0.0% |
| Contra Costa County | 3 | 2 | 0 | 0.0% |
| San Luis Obispo County | 2 | 2 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 332 applications in 2025, of which 261 were originated and 4 denied.
1.2% of all applications, or 1.5% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Cornerstone Capital Bank originated in California in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Cornerstone Capital Bank's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology