Cornerstone Capital Bank, Ssb mortgage approval rate & lending review
Cornerstone Capital Bank, Ssb decided 21,040 mortgage applications and funded 20,348 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Cornerstone Capital Bank, Ssb reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Cornerstone Capital Bank, Ssb at a glance
Approval is 10.6 points above the 86.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 18,152 / 18,640 | 99% | $365K | 18,054 |
| Cash-out refinance | 94% | 533 / 570 | 99% | $245K | 528 |
| Refinance | 97% | 619 / 638 | 100% | $505K | 618 |
| Investment property purchase | 97% | 1,028 / 1,059 | 99% | $285K | 1,022 |
| Investment cash-out refinance | 94% | 47 / 50 | 100% | $265K | 47 |
| Investment refinance | 93% | 51 / 55 | 100% | $495K | 51 |
Cornerstone Capital Bank, Ssb lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 96% | $375K | 8,195 | 7,873 |
| Washington | 98% | $565K | 3,390 | 3,297 |
| North Carolina | 98% | $295K | 2,269 | 2,216 |
| Oklahoma | 98% | $235K | 2,060 | 2,011 |
| Colorado | 97% | $425K | 1,074 | 1,036 |
| California | 98% | $705K | 616 | 599 |
| New Mexico | 97% | $185K | 532 | 515 |
| Montana | 98% | $475K | 459 | 448 |
| Arkansas | 99% | $215K | 419 | 411 |
| Arizona | 98% | $425K | 405 | 394 |
| South Carolina | 96% | $375K | 180 | 171 |
| Idaho | 99% | $435K | 164 | 163 |
| Oregon | 99% | $415K | 160 | 158 |
| Florida | 94% | $375K | 144 | 134 |
| Utah | 94% | $445K | 121 | 113 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Cornerstone Capital Bank, Ssb lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Harris County, TX | Mortgage lenders | 95% | 1,420 | 1,336 |
| King County, WA | Mortgage lenders | 98% | 1,073 | 1,043 |
| Bexar County, TX | Mortgage lenders | 98% | 1,052 | 1,029 |
| Oklahoma County, OK | Mortgage lenders | 97% | 801 | 776 |
| Dallas County, TX | Mortgage lenders | 98% | 626 | 612 |
| Montgomery County, TX | Mortgage lenders | 94% | 536 | 501 |
| Cumberland County, NC | Mortgage lenders | 99% | 456 | 445 |
| Snohomish County, WA | Mortgage lenders | 97% | 438 | 425 |
| San Juan County, NM | Mortgage lenders | 97% | 421 | 409 |
| Fort Bend County, TX | Mortgage lenders | 97% | 403 | 387 |
| Canadian County, OK | Mortgage lenders | 98% | 397 | 386 |
| Spokane County, WA | Mortgage lenders | 99% | 372 | 368 |
The county markets where Cornerstone Capital Bank, Ssb made the most loans. Each link opens that market with every lender ranked.
Questions about Cornerstone Capital Bank, Ssb
What is Cornerstone Capital Bank, Ssb's mortgage approval rate?
Cornerstone Capital Bank, Ssb approved 97.2% of the 21,040 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.6 points above the 86.6% national rate for the same mix of loan types.
How often do borrowers take the loan Cornerstone Capital Bank, Ssb offers?
Borrowers accepted 99% of the loans Cornerstone Capital Bank, Ssb approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Cornerstone Capital Bank, Ssb make?
The typical home purchase mortgage loan Cornerstone Capital Bank, Ssb made was $365K; across all loan types its typical loan ran from $245K to $505K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Cornerstone Capital Bank, Ssb lend?
Cornerstone Capital Bank, Ssb decided applications in 43 of the states Fat Boy Data covers, most of them in Texas, Washington and North Carolina.
Can I apply to Cornerstone Capital Bank, Ssb directly?
Yes. Cornerstone Capital Bank, Ssb is a bank or credit union with 19 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Cornerstone Capital Bank, Ssb's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Cornerstone Capital Bank, Ssb treats applications, then get a rate quote from the lender.