Cornerstone Capital Bank in Virginia vs the state
4.4%Denial rate-11.59 pts vs state
5.6%Decision denial rate-14.69 pts vs state
73.9%Origination rate+14.39 pts vs state
6.99%Median rate+0.37 pts vs state
0.26Rate spread (pts)+0.04 pts vs state
$128kMedian applicant income
17Loans originated
1Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 51 | 40 | 2.0% | 6.99% | #361 |
| 2024 | 47 | 41 | 2.1% | 6.75% | #374 |
| 2025 | 23 | 17 | 4.4% | 6.99% | #476 |
What Cornerstone Capital Bank lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Cornerstone Capital Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Henrico County | 4 | 4 | 0 | 0.0% |
| Accomack County | 4 | 3 | 0 | 0.0% |
| York County | 3 | 2 | 0 | 0.0% |
| Fairfax County | 2 | 1 | 0 | 0.0% |
| Loudoun County | 1 | 1 | 0 | 0.0% |
| Cumberland County | 1 | 0 | 0 | 0.0% |
| James City County | 1 | 0 | 0 | 0.0% |
| Lee County | 1 | 0 | 1 | 100.0% |
| Fauquier County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 23 applications in 2025, of which 17 were originated and 1 denied.
4.4% of all applications, or 5.6% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Cornerstone Capital Bank originated in Virginia in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Cornerstone Capital Bank's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology