Cornerstone Capital Bank in North Carolina vs the state
1.5%Denial rate-16.58 pts vs state
1.7%Decision denial rate-21.10 pts vs state
84.2%Origination rate+26.37 pts vs state
6.25%Median rate-0.25 pts vs state
0.04Rate spread (pts)-0.05 pts vs state
$99kMedian applicant income
910Loans originated
16Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,384 | 1,044 | 2.0% | 6.63% | #60 |
| 2024 | 1,197 | 970 | 1.0% | 6.62% | #70 |
| 2025 | 1,081 | 910 | 1.5% | 6.25% | #80 |
What Cornerstone Capital Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Cornerstone Capital Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 165 | 149 | 2 | 1.2% |
| Wake County | 93 | 81 | 1 | 1.1% |
| Johnston County | 89 | 80 | 0 | 0.0% |
| New Hanover County | 89 | 74 | 0 | 0.0% |
| Harnett County | 62 | 58 | 0 | 0.0% |
| Wayne County | 57 | 51 | 1 | 1.8% |
| Robeson County | 44 | 28 | 2 | 4.5% |
| Hoke County | 38 | 32 | 0 | 0.0% |
| Pender County | 35 | 25 | 1 | 2.9% |
| Mecklenburg County | 34 | 33 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 1,081 applications in 2025, of which 910 were originated and 16 denied.
1.5% of all applications, or 1.7% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Cornerstone Capital Bank originated in North Carolina in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Cornerstone Capital Bank's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology