# CORNERSTONE CAPITAL BANK, SSB

> **Canonical URL:** https://saferate.com/lenders/cornerstone-capital-bank-ssb


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


CORNERSTONE CAPITAL BANK, SSB is a bank, headquartered in DALLAS, TX, serving borrowers nationwide, with 6,210 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 77% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 21% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300CY7WNAHKHYSJ73
- **Headquarters:** DALLAS, TX
- **Geographic Reach:** National
- **States Served:** 43
- **State List:** AK, AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 87.4%
- **Brokered/Wholesale:** 12.6%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 23/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 79/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.321%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,853
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 6,210
- **Dollar Volume:** $2.6 billion
- **Applications Received:** 7,828
- **Market Share:** 17.00%

## Typical Borrower Profile

- **Average Loan Amount:** $426,375
- **Average Borrower Income:** $166,064
- **Average Property Value:** $542,414

## Safe Rate Awards 🏆

- 💎 **VA Diamond Champion** (83%)
- ⭐ **FHA Gold Superstar** (69%)
- ⭐ **Jumbo Gold Superstar** (62%)
- ⭐ **USDA Gold Superstar** (62%)
- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 83/100 | 3,589 | +0.338% | $3,990 | Exceptional 🤩 |
| FHA | 86/100 | 1,345 | +0.488% | $4,271 | Exceptional 🤩 |
| VA | 85/100 | 958 | -0.381% | $2,046 | Exceptional 🤩 |
| Jumbo | 84/100 | 256 | +0.389% | $2,621 | Exceptional 🤩 |
| USDA | 85/100 | 62 | +0.295% | $3,458 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 3,368 loans, Score: 84/100 (Exceptional)
- Refinance: 221 loans, Score: 68/100 (Strong)

**FHA:**
- Purchase: 1,297 loans, Score: 86/100 (Exceptional)
- Refinance: 48 loans, Score: 50/100 (Sound)

**VA:**
- Purchase: 943 loans, Score: 85/100 (Exceptional)

**Jumbo:**
- Purchase: 234 loans, Score: 85/100 (Exceptional)
- Refinance: 22 loans, Score: 52/100 (Sound)

**USDA:**
- Purchase: 62 loans, Score: 84/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 87/100 | 5,904 | $2.5B | +0.319% | Exceptional 🤩 |
| Refinance | 68/100 | 306 | $145M | +0.359% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 2,043 | 0.58% | 85/100 |
| WA | 1,016 | 1.20% | 88/100 |
| NC | 772 | 0.52% | 76/100 |
| OK | 700 | 1.70% | 84/100 |
| CO | 394 | 0.47% | 73/100 |
| AK | 199 | 2.67% | 73/100 |
| ID | 163 | 0.61% | 66/100 |
| CA | 142 | 0.05% | 55/100 |
| MT | 134 | 1.28% | 69/100 |
| AR | 116 | 0.36% | 63/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 790 | 73/100 |
| Houston | TX | 670 | 82/100 |
| Dallas | TX | 470 | 79/100 |
| Oklahoma City, OK | OK | 470 | 88/100 |
| San Antonio | TX | 447 | 79/100 |
| Seattle | WA | 376 | 82/100 |
| Austin | TX | 235 | 77/100 |
| Fayetteville, NC | NC | 175 | 82/100 |
| Raleigh | NC | 159 | 72/100 |
| Everett, WA | WA | 147 | 78/100 |
| Spokane | WA | 131 | 79/100 |
| Tulsa, OK | OK | 121 | 67/100 |
| Portland | OR-WA | 106 | 64/100 |
| Wilmington, NC | NC | 93 | 73/100 |
| Twin Falls, ID | ID | 90 | 79/100 |

## Where This Lender Ranks

CORNERSTONE CAPITAL BANK, SSB appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Washington for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/washington-state/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in North Carolina for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/north-carolina/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Oklahoma for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Houston for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Dallas for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/dallas/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Oklahoma City, OK for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in San Antonio for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Colorado for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Austin for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Alaska for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/alaska/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Alaska for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/alaska/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Fayetteville, NC for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fayetteville-nc/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Fayetteville, NC for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fayetteville-nc/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Idaho for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/idaho/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Everett, WA for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/everett-wa/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Montana for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/montana/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Spokane for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/spokane/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Wilmington, NC for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/wilmington-nc/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Twin Falls, ID for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/twin-falls-id/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Bozeman, MT for FHA Loans
  - [View Full Rankings](https://saferate.com/bozeman-mt/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does CORNERSTONE CAPITAL BANK, SSB offer?

CORNERSTONE CAPITAL BANK, SSB offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CORNERSTONE CAPITAL BANK, SSB offer mortgages?

CORNERSTONE CAPITAL BANK, SSB is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are CORNERSTONE CAPITAL BANK, SSB's mortgage rates?

CORNERSTONE CAPITAL BANK, SSB has a pricing score of 23/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.321% above market average.

### What type of lender is CORNERSTONE CAPITAL BANK, SSB?

CORNERSTONE CAPITAL BANK, SSB is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in DALLAS, TX.

### What is CORNERSTONE CAPITAL BANK, SSB's loan approval success rate?

CORNERSTONE CAPITAL BANK, SSB has a pull-through score of 79/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/cornerstone-capital-bank-ssb

### How to Cite

> "CORNERSTONE CAPITAL BANK, SSB Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/cornerstone-capital-bank-ssb

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