Applications / Mortgage Analytics / Lenders / Illinois / Cornerstone National Bank & Trust Company
Palatine, IL · National bank · OCC · $1.0 billion assets · 124 loans in 2025
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124
loans originated, 2025
139
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cornerstone National Bank & Trust Company makes loans about twice the size of those at similar banks, and its lending grew faster than at most of them in 2025.
Its typical loan, $360,000, was about double the $182,500 at similar lenders (national banks making between half and twice as many loans), and larger than at more than four in five of them. Purchases were 66.1% of its loans and refinances 31.5%. All were conventional.
Its loans rose 25%, to 124, against 4% at similar lenders and 10% across the market. Its dollar volume nearly doubled, to $69.2 million from $36.9 million. That follows a low of 74 loans in 2023, far below the 1,048 it made in 2020.
Majority-minority areas took 21.8% of its loans, up from 13.1% in 2024 and against 7.5% at similar lenders. Low- and moderate-income (LMI) borrowers took 13.5%, against 24.4% at peers. Its larger typical loan and the markets it serves may account for that.
It lends in 8 states and 12 metros. In its largest market, Chicago-Naperville-Elgin, it ranks 166 of 902 lenders. It began lending in Green Bay in 2025.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Cornerstone National Bank & Trust Company took 139 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.1% · Refinance 31.5% · Home improvement 1.6% · Other 0.8%
Conventional 100.0% · of 124 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
| State | Loans | Share |
|---|---|---|
| Illinois | 108 | 87.1% |
| Wisconsin | 7 | 5.6% |
| Texas | 3 | 2.4% |
| Florida | 2 | 1.6% |
| Indiana | 1 | 0.8% |
| North Carolina | 1 | 0.8% |
| New Hampshire | 1 | 0.8% |
| South Carolina | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 77 |
| Lake County | 19 |
| Elgin | 10 |
| Dallas-Plano-Irving | 3 |
| Naples-Marco Island | 2 |
| Charleston-North Charleston | 1 |
| Charlotte-Concord-Gastonia | 1 |
| Green Bay | 1 |
| Lake County-Porter County-Jasper County | 1 |
| Madison | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930001LYHHRVGJ6B97 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2929392 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 124114 | 2002–2017 |
Established 16 October 2000. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: Cornerstone National Bank & Trust Company's data.
Cornerstone National Bank & Trust Company's data
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Cornerstone National Bank & Trust Company 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.
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