Cornerstone Capital Bank in Oregon vs the state
0.7%Denial rate-14.63 pts vs state
0.9%Decision denial rate-18.29 pts vs state
77.6%Origination rate+16.93 pts vs state
6.75%Median rate0.00 pts vs state
0.39Rate spread (pts)+0.11 pts vs state
$128kMedian applicant income
114Loans originated
1Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 36 | 27 | 5.6% | 7.13% | #227 |
| 2024 | 66 | 50 | 3.0% | 7.49% | #181 |
| 2025 | 147 | 114 | 0.7% | 6.75% | #146 |
What Cornerstone Capital Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Cornerstone Capital Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 51 | 44 | 0 | 0.0% |
| Multnomah County | 32 | 26 | 1 | 3.1% |
| Clackamas County | 21 | 16 | 0 | 0.0% |
| Washington County | 10 | 6 | 0 | 0.0% |
| Deschutes County | 5 | 4 | 0 | 0.0% |
| Clatsop County | 4 | 2 | 0 | 0.0% |
| Yamhill County | 4 | 3 | 0 | 0.0% |
| Columbia County | 2 | 2 | 0 | 0.0% |
| Lincoln County | 2 | 1 | 0 | 0.0% |
| Douglas County | 2 | 2 | 0 | 0.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 147 applications in 2025, of which 114 were originated and 1 denied.
0.7% of all applications, or 0.9% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Cornerstone Capital Bank originated in Oregon in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Cornerstone Capital Bank's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology