Cornerstone Capital Bank is a nationwide home-purchase lender whose 7,642 loans in 2025 were about a fifth of its 2020 total, and it bought 11,799 loans, more than it made itself.
Larger, more government-backed loans than similar lenders
Similar lenders are savings institutions making between a quarter and four times as many loans. Against them its typical loan of $355,000 was higher than about nine in ten, and FHA loans (insured by the Federal Housing Administration) were 20.4% of its loans against 4.0%. It turned down 1.9% of first-lien home-purchase applications on owner-occupied homes and 3.5% of refinance applications, against 7.5% and 22.6% for similar lenders; its refinance rate was the lowest of the group.
Built for buyers
Purchases made up 86.3% of its loans. FHA loans were up from 13.4% five years before, and VA loans (guaranteed by the Department of Veterans Affairs) were 14.0%.
A long decline from its 2020 peak
Originations fell 9% in 2025, while similar lenders grew 16% and the market 10%, extending a slide from 36,540 in 2020. Its share in Houston fell to 0.7% from 1.1%, and in San Antonio to 1.3% from 1.4%. Its reliance on purchases ties it to home sales, and it may prefer buying loans to making them.
Fewer loans in majority-minority areas than last year
Loans in majority-minority areas fell to 24.5% from 31.5%, though above the 20.1% of five years before and higher than about four in five similar lenders, whose typical share was 13.9%. A shift in where it lends could explain the change.
Questions the data can answer next
Where are the loans it bought, and how does that map compare with the loans it made itself?
Similar lenders: same lender type, originations between a quarter and four times the lender's.
Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
7,642 loans in 2025, against a peak of 36,540 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Cornerstone Capital Bank took 9,635 applications in 2025.
86.3% of its 2025 loans were purchase loans; 64.7% were Conventional.
Purchase 86.3% · Refinance 11.4% · Other 2.1% · Home improvement 0.2% Conventional 64.7% · FHA 20.4% · VA 14.0% · USDA (RHS or FSA) 0.9% · of 7,642 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
43 states, 200 metros, 593 counties
State
Loans
Share
Texas
2,279
29.8%
Washington
1,370
17.9%
North Carolina
910
11.9%
Colorado
589
7.7%
Oklahoma
429
5.6%
Idaho
319
4.2%
California
261
3.4%
Alaska
250
3.3%
New Mexico
227
3.0%
Montana
218
2.9%
Largest metro areas, 2025
Loans originated
Metro area
Loans
Houston-Pasadena-The Woodlands
716
Dallas-Plano-Irving
470
Seattle-Bellevue-Kent
450
San Antonio-New Braunfels
440
Oklahoma City
268
Everett
209
Portland-Vancouver-Hillsboro
209
Austin-Round Rock-San Marcos
196
Fayetteville
181
Farmington
176
Identifiers
LEI (Legal Entity Identifier, the global company code HMDA has used since 2018)
549300CY7WNAHKHYSJ73
2018–2025
RSSD (the Federal Reserve's identifier for banks and their parents)
2891622
2013–2023
Respondent ID (the HMDA filer code before 2018)
7760236067
Respondent ID (the HMDA filer code before 2018)
77185400006
1993–2000
Respondent ID (the HMDA filer code before 2018)
1760236067
2001–2005
Established 6 December 1906. Reported under HMDA 1993-2025.
Cornerstone Capital Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.