We analyzed every closed loan from Cornerstone Capital Bank, SSB — 6.2k loans across 8k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
National · 49 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Jumbo
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Cornerstone Capital Bank, SSB performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+32.1 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Exceptional
Top 20% of lenders
Jumbo
Exceptional
Top 20% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 3,589 | 57.8% | +0.338%Above | $3,990Fees | ||||
FHA Loans | 1,345 | 21.7% | +0.488%Above | $4,271Fees | ||||
VA Loans | 958 | 15.4% | -0.381%Below | $2,046Fees | ||||
Jumbo Loans | 256 | 4.1% | +0.389%Above | $2,621Fees | ||||
USDA Loans | 62 | 1.0% | +0.295%Above | $3,458Fees |
Conventional
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume3,589
Mix57.8%
Spread
+0.338%Above
Fees
$3,990Fees
FHA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughExceptional
Volume1,345
Mix21.7%
Spread
+0.488%Above
Fees
$4,271Fees
VA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughExceptional
Volume958
Mix15.4%
Spread
-0.381%Below
Fees
$2,046Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume256
Mix4.1%
Spread
+0.389%Above
Fees
$2,621Fees
USDA Loans
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume62
Mix1.0%
Spread
+0.295%Above
Fees
$3,458Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 5,904 | 95.1% | +0.319%Above | $3,908Fees | ||||
Refinance | 306 | 4.9% | +0.359%Above | $3,034Fees |
Purchase
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume5,904
Mix95.1%
Spread
+0.319%Above
Fees
$3,908Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume306
Mix4.9%
Spread
+0.359%Above
Fees
$3,034Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
6,210
Applications
7,828
Volume
$2 billion
Pricing & Closing
Avg Rate Spread
+0.321%
vs. market APOR
Avg Net Fees
$3,853
Origination − Credits
Pullthrough Rate
79.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$426,375
Avg Borrower Income
$166,064
Avg Property Value
$542,414
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
43
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
43Northeast3
MANJPA
Midwest11
IAILINKSMIMNMONDNEOHWI
South16
ALARDCFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Volume 54Mix 0.87% of portfolio
93/100
Exceptional
Volume 470Mix 7.57% of portfolio
88/100
Exceptional
Volume 84Mix 1.35% of portfolio
84/100
Exceptional
Volume 175Mix 2.82% of portfolio
82/100
Exceptional
Volume 376Mix 6.05% of portfolio
82/100
Exceptional
Volume 670Mix 10.79% of portfolio
82/100
Exceptional
Volume 131Mix 2.11% of portfolio
79/100
Strong
Volume 447Mix 7.20% of portfolio
79/100
Strong
Volume 470Mix 7.57% of portfolio
79/100
Strong
Volume 90Mix 1.45% of portfolio
79/100
StrongShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
WashingtonState
Volume 1,016Mix 16.36% of portfolio
88/100
Exceptional2
TexasState
Volume 2,043Mix 32.90% of portfolio
85/100
Exceptional3
OklahomaState
Volume 700Mix 11.27% of portfolio
84/100
Exceptional4
North CarolinaState
Volume 772Mix 12.43% of portfolio
76/100
Strong5
AlaskaState
Volume 199Mix 3.20% of portfolio
73/100
Strong6
ColoradoState
Volume 394Mix 6.34% of portfolio
73/100
Strong7
MontanaState
Volume 134Mix 2.16% of portfolio
69/100
Strong8
IdahoState
Volume 163Mix 2.62% of portfolio
66/100
Strong9
ArkansasState
Volume 116Mix 1.87% of portfolio
63/100
Strong10
New MexicoState
Volume 71Mix 1.14% of portfolio
61/100
StrongShowing 10 of 24 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.