Cornerstone National Bank & Trust in Illinois vs the state
2.5%Denial rate-14.64 pts vs state
2.6%Decision denial rate-19.05 pts vs state
89.3%Origination rate+30.52 pts vs state
6.38%Median rate-0.38 pts vs state
-0.08Rate spread (pts)-0.46 pts vs state
$176kMedian applicant income
108Loans originated
3Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 65 | 59 | 3.1% | 6.63% | #408 |
| 2024 | 90 | 78 | 4.4% | 6.75% | #353 |
| 2025 | 121 | 108 | 2.5% | 6.38% | #319 |
What Cornerstone National Bank & Trust lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Cornerstone National Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 53 | 48 | 1 | 1.9% |
| Lake County | 19 | 19 | 0 | 0.0% |
| McHenry County | 17 | 14 | 2 | 11.8% |
| DuPage County | 15 | 11 | 0 | 0.0% |
| Kane County | 11 | 10 | 0 | 0.0% |
| Will County | 4 | 4 | 0 | 0.0% |
| Ogle County | 1 | 1 | 0 | 0.0% |
| Winnebago County | 1 | 1 | 0 | 0.0% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 121 applications in 2025, of which 108 were originated and 3 denied.
2.5% of all applications, or 2.6% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Cornerstone National Bank & Trust originated in Illinois in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Cornerstone National Bank & Trust's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology