Cornerstone Capital Bank in Idaho vs the state
0.5%Denial rate-13.95 pts vs state
0.6%Decision denial rate-16.90 pts vs state
80.2%Origination rate+17.13 pts vs state
6.13%Median rate-0.50 pts vs state
0.17Rate spread (pts)+0.01 pts vs state
$93kMedian applicant income
319Loans originated
2Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 255 | 200 | 3.9% | 6.63% | #64 |
| 2024 | 266 | 218 | 1.5% | 6.63% | #67 |
| 2025 | 398 | 319 | 0.5% | 6.13% | #57 |
What Cornerstone Capital Bank lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Cornerstone Capital Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Twin Falls County | 137 | 106 | 2 | 1.5% |
| Ada County | 61 | 54 | 0 | 0.0% |
| Jerome County | 40 | 31 | 0 | 0.0% |
| Minidoka County | 36 | 26 | 0 | 0.0% |
| Canyon County | 31 | 28 | 0 | 0.0% |
| Cassia County | 21 | 16 | 0 | 0.0% |
| Kootenai County | 16 | 11 | 0 | 0.0% |
| Boise County | 9 | 8 | 0 | 0.0% |
| Bonneville County | 8 | 5 | 0 | 0.0% |
| Gooding County | 7 | 7 | 0 | 0.0% |
Other large lenders in Idaho
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Idaho Central Credit Union | A | 15,644 | 16.5% | 7.00% |
| Rocket Mortgage | C | 4,391 | 13.3% | 6.63% |
| United Shore Financial Services | B | 3,943 | 9.1% | 6.12% |
| Premier Mortgage Resources | B | 2,504 | 2.7% | 6.25% |
| Mountain America Federal Credit Union | D | 2,323 | 37.7% | 7.24% |
| Guild Mortgage | A | 2,320 | 3.4% | 6.50% |
| U.S. Bank | D | 2,161 | 28.6% | 7.35% |
| Loandepot.Com | D | 1,622 | 14.2% | 6.50% |
| Glacier Bank | D | 1,507 | 14.5% | 6.88% |
| Pennymac Loan Services | C | 1,297 | 10.8% | 6.50% |
Frequently asked questions
Idaho: 398 applications in 2025, of which 319 were originated and 2 denied.
0.5% of all applications, or 0.6% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Cornerstone Capital Bank originated in Idaho in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Cornerstone Capital Bank's own HMDA filing for properties located in Idaho, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology