# Cornerstone National Bank & Trust Company

> **Canonical URL:** https://saferate.com/lenders/cornerstone-national-bank-trust


> **📋 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 National Bank & Trust Company is a bank, headquartered in Palatine, IL, serving borrowers across 10 states, with 63 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 12% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 57% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 54930001LYHHRVGJ6B97
- **Headquarters:** Palatine, IL
- **Geographic Reach:** Multi-Region
- **States Served:** 10
- **State List:** AZ, IL, IN, KY, MI, NE, NH, TN, TX, WI
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 88/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.047%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $196
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 63
- **Dollar Volume:** $25 million
- **Applications Received:** 73
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $389,286
- **Average Borrower Income:** $318,222
- **Average Property Value:** $596,429

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 27/100 | 62 | +0.054% | $199 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 46 loans, Score: 27/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 28/100 | 46 | $18M | +0.054% | Acceptable 🙂 |
| Refinance | 26/100 | 17 | $7M | +0.023% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 47 | 0.04% | 62/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Chicago | IL | 33 | 59/100 |
| Lake County, IL | IL | 13 | 55/100 |

## Frequently Asked Questions

### What loan types does Cornerstone National Bank & Trust Company offer?

Cornerstone National Bank & Trust Company offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Cornerstone National Bank & Trust Company offer mortgages?

Cornerstone National Bank & Trust Company offers mortgages in 10 states: AZ, IL, IN, KY, MI, NE, NH, TN, TX, WI.

### How competitive are Cornerstone National Bank & Trust Company's mortgage rates?

Cornerstone National Bank & Trust Company has a pricing score of 88/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.047% above market average.

### What type of lender is Cornerstone National Bank & Trust Company?

Cornerstone National Bank & Trust Company is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Palatine, IL.

### What is Cornerstone National Bank & Trust Company's loan approval success rate?

Cornerstone National Bank & Trust Company has a pull-through score of 43/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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-national-bank-trust

### How to Cite

> "Cornerstone National Bank & Trust Company Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/cornerstone-national-bank-trust

---

**[View Interactive Profile →](https://saferate.com/lenders/cornerstone-national-bank-trust)**