Cornerstone Capital Bank in Texas vs the state
2.6%Denial rate-16.81 pts vs state
3.3%Decision denial rate-21.59 pts vs state
76.4%Origination rate+21.55 pts vs state
6.25%Median rate-0.25 pts vs state
0.06Rate spread (pts)-0.14 pts vs state
$140kMedian applicant income
2,279Loans originated
78Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,498 | 3,309 | 4.1% | 6.49% | #42 |
| 2024 | 3,972 | 3,114 | 2.2% | 6.38% | #47 |
| 2025 | 2,982 | 2,279 | 2.6% | 6.25% | #64 |
What Cornerstone Capital Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Cornerstone Capital Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 469 | 372 | 14 | 3.0% |
| Bexar County | 385 | 286 | 7 | 1.8% |
| Dallas County | 306 | 221 | 8 | 2.6% |
| Tarrant County | 143 | 104 | 5 | 3.5% |
| Montgomery County | 142 | 107 | 5 | 3.5% |
| Bell County | 115 | 107 | 0 | 0.0% |
| Brazoria County | 103 | 80 | 3 | 2.9% |
| Fort Bend County | 99 | 74 | 1 | 1.0% |
| Williamson County | 99 | 67 | 3 | 3.0% |
| Collin County | 96 | 65 | 5 | 5.2% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 2,982 applications in 2025, of which 2,279 were originated and 78 denied.
2.6% of all applications, or 3.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Cornerstone Capital Bank originated in Texas 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 Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology