Purchase Originations
5,690
Ranked #84 nationally
Median Total Costs
$9,078
+35.9% vs national ($6,680)
↑ $193 vs prior year
Median Rate
6.312%
−2.7% vs national (6.490%)
↓ 0.313% vs prior year
Median Origination
$3,437
Median Lender Credits
$231
Cost Rank (500+ vol.)
#503
among lenders with 500+ originations
Denial Rate
0.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 3,122 | 6.625% | $8,077 | $4,217 |
| fha | 1,476 | 6.125% | $12,978 | $4,095 |
| va | 1,024 | 5.750% | $6,447 | $0 |
| usda | 68 | 6.125% | $9,479 | $4,155 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 1,928 | 6.250% | $10,427 | #31 |
| Washington | 938 | 6.500% | $9,042 | #20 |
| North Carolina | 750 | 6.250% | $7,434 | #39 |
| Colorado | 378 | 6.375% | $7,972 | #42 |
| Oklahoma | 331 | 6.490% | $7,636 | #22 |
| Idaho | 218 | 5.875% | $11,542 | #26 |
| Alaska | 214 | 6.250% | $10,423 | #7 |
| Montana | 148 | 6.490% | $11,153 | #15 |
| California | 137 | 6.500% | $10,188 | #171 |
| New Mexico | 119 | 6.250% | $8,549 | #34 |
| Arizona | 105 | 6.490% | $8,908 | #99 |
| Oregon | 81 | 6.625% | $10,188 | #77 |
| Tennessee | 42 | 6.624% | $8,491 | — |
| Florida | 36 | 6.495% | $7,717 | — |
| Utah | 31 | 6.375% | $7,555 | — |
| Alabama | 29 | 6.125% | $8,578 | — |
| Arkansas | 24 | 6.750% | $6,693 | — |
| Mississippi | 23 | 6.875% | $7,878 | — |
| Missouri | 22 | 6.625% | $8,925 | — |
| Maryland | 20 | 6.370% | $11,995 | — |
| Nevada | 16 | 6.875% | $8,211 | — |
| Kansas | 14 | 6.250% | $11,234 | — |
| Georgia | 13 | 6.625% | $9,813 | — |
| Virginia | 11 | 6.375% | $7,926 | — |
| South Carolina | 9 | 6.750% | $6,589 | — |
| Illinois | 8 | 6.490% | $7,321 | — |
| Kentucky | 6 | 6.558% | $5,625 | — |
| Louisiana | 6 | 6.370% | $7,535 | — |
| Wisconsin | 5 | 6.125% | $4,551 | — |
| Pennsylvania | 4 | 6.500% | $9,480 | — |
| Wyoming | 4 | 6.438% | $8,682 | — |
| Michigan | 3 | 6.990% | $7,934 | — |
| Minnesota | 3 | 6.490% | $6,151 | — |
| District of Columbia | 2 | 6.624% | $9,934 | — |
| Hawaii | 2 | 6.750% | $22,176 | — |
| Maine | 2 | 6.000% | $15,257 | — |
| Nebraska | 2 | 6.683% | $6,044 | — |
| Ohio | 2 | 6.938% | $11,003 | — |
| West Virginia | 2 | 6.558% | $7,191 | — |
| Indiana | 1 | 6.500% | $13,949 | — |
| South Dakota | 1 | 6.990% | $3,415 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,428 | 6.250% | — | 141 | −$2,650 | |
| 2 | $7,259 | 6.125% | — | 323 | −$1,819 | |
| 3 | $7,330 | 6.490% | — | 113 | −$1,748 | |
| 4 | $7,821 | 6.500% | — | 83 | −$1,257 | |
| 5 | $7,912 | 5.250% | — | 103 | −$1,166 | |
| 6 | $8,208 | 5.990% | — | 71 | −$870 | |
| 7 | $8,280 | 6.625% | — | 88 | −$798 | |
| 8 | $9,449 | 6.250% | — | 91 | +$371 | |
| 9 | $9,791 | 5.750% | — | 76 | +$713 | |
| 10 | $9,901 | 6.125% | — | 82 | +$823 | |
| 11 | $10,004 | 6.750% | — | 76 | +$926 | |
| 12 | $10,167 | 6.500% | — | 72 | +$1,089 | |
| 13 | $10,308 | 6.750% | — | 97 | +$1,230 | |
| 14 | $10,895 | 6.250% | — | 298 | +$1,817 | |
| 15 | $10,898 | 6.250% | — | 83 | +$1,820 | |
| 16 | $11,045 | 5.750% | — | 270 | +$1,967 | |
| 17 | $11,105 | 6.500% | — | 167 | +$2,027 | |
| 18 | $11,182 | 6.490% | — | 134 | +$2,104 | |
| 19 | $11,333 | 6.500% | — | 102 | +$2,255 | |
| 20 | $12,331 | 6.102% | — | 64 | +$3,253 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Cornerstone Capital Bank, SSB | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $375,000 | $335,000 | +$40,000 (+11.9%) |
| Median total closing costs | $9,078 | $7,127 | +$1,951 (+27.4%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.