Cornerstone Capital Bank in Colorado vs the state
1.6%Denial rate-14.03 pts vs state
2.0%Decision denial rate-17.66 pts vs state
78.6%Origination rate+18.62 pts vs state
6.50%Median rate-0.13 pts vs state
0.17Rate spread (pts)+0.02 pts vs state
$117kMedian applicant income
589Loans originated
12Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 779 | 598 | 2.6% | 6.63% | #70 |
| 2024 | 693 | 543 | 2.2% | 6.63% | #80 |
| 2025 | 749 | 589 | 1.6% | 6.50% | #78 |
What Cornerstone Capital Bank lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Cornerstone Capital Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Delta County | 196 | 153 | 1 | 0.5% |
| Larimer County | 111 | 85 | 4 | 3.6% |
| Weld County | 111 | 93 | 0 | 0.0% |
| El Paso County | 60 | 48 | 0 | 0.0% |
| Montrose County | 52 | 44 | 1 | 1.9% |
| Pueblo County | 34 | 24 | 3 | 8.8% |
| Mesa County | 20 | 13 | 0 | 0.0% |
| Ouray County | 19 | 15 | 0 | 0.0% |
| Boulder County | 16 | 13 | 0 | 0.0% |
| Garfield County | 15 | 12 | 0 | 0.0% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| ENT Credit Union | B | 13,238 | 20.9% | 7.50% |
| Rocket Mortgage | C | 11,486 | 15.7% | 6.61% |
| Guild Mortgage | A | 6,232 | 3.1% | 6.62% |
| Bellco Credit Union | F | 5,863 | 40.9% | 8.00% |
| U.S. Bank | D | 4,978 | 36.0% | 7.95% |
| American Financing | D | 4,937 | 41.3% | 6.38% |
| FirstBank | C | 4,929 | 15.6% | 7.00% |
| Canvas Credit Union | C | 4,889 | 13.7% | 7.89% |
| Elevations | C | 4,426 | 10.8% | 6.88% |
Frequently asked questions
Colorado: 749 applications in 2025, of which 589 were originated and 12 denied.
1.6% of all applications, or 2.0% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Cornerstone Capital Bank originated in Colorado in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Cornerstone Capital Bank's own HMDA filing for properties located in Colorado, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology