Cornerstone National Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
83rd3.1% deniedPricingmedian rate spread over APOR, weight 30%
86th-0.08 ptsProcesswithdrawn + incomplete share, weight 15%
76th5.8%Closing coststotal loan costs ÷ loan amount, weight 10%
71st1.36% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 83 | 74 | 2.4% | 2.6% | 6.63% | $29M |
| 2024 | 113 | 99 | 4.4% | 4.7% | 6.75% | $37M |
| 2025 | 139 | 124 | 2.9% | 3.1% | 6.50% | $69M |
What Cornerstone National Bank & Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 53 investment properties.
Why Cornerstone National Bank & Trust denies applications
Primary reason reported for each of the 4 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Cornerstone National Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $150k – $250k | 25 | 24 | 0.0% |
| Over $250k | 35 | 32 | 5.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 28 | 25 | 3.9% |
| 35–44 | 25 | 23 | 4.2% |
Where Cornerstone National Bank & Trust lends
9 states and 22 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Cornerstone National Bank & Trust denied 3.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 83rd percentile of small mortgage lenders.
The most common reason Cornerstone National Bank & Trust gave in 2025 was "other", cited on 50.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Cornerstone National Bank & Trust originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was -0.08 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 65% of its applications were for home purchases, 31% for refinancing (including cash-out), and 4% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.