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CORNERSTONE CAPITAL BANK, SSB
Bank|DALLAS, TX|National
Loans Originated
6,210
Applications
7,828
Volume
$2 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Safe Rate Awards💎VA Champion⭐FHA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.321%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,853
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
79.3%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
CORNERSTONE CAPITAL BANK, SSB performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Exceptional | Market Leader | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | National · 50 metro areas · 43 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$426,375
Average Borrower Income
$166,064
Average Property Value
$542,414
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Exceptional | Mediocre | Strong | 3,589 | 57.8% | +0.338% | $3,990 |
FHA Loans | Strong | Exceptional | Acceptable | Exceptional | 1,345 | 21.7% | +0.488% | $4,271 |
VA Loans | Exceptional | Exceptional | Strong | Exceptional | 958 | 15.4% | -0.381% | $2,046 |
Jumbo Loans | Sound | Exceptional | Acceptable | Strong | 256 | 4.1% | +0.389% | $2,621 |
USDA Loans | Sound | Exceptional | Acceptable | Strong | 62 | 1.0% | +0.295% | $3,458 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Strong | 5,904 | 95.1% | +0.319% | $3,908 |
Refinance | Sound | Strong | Mediocre | Strong | 306 | 4.9% | +0.359% | $3,034 |
Geographic Coverage
Metro Areas
49
States Served
43
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AKALARAZCACODCFLGAHIIAIDILINKSKYLAMAMDMIMNMOMSMTNCNDNENJNMNVOHOKORPASCTNTXUTVAWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Farmington, NM, NMMSA
Volume: 54Mix: 0.87%
Place Specialization
Exceptional
2
Oklahoma City, OK, OKMSA
Volume: 470Mix: 7.57%
Place Specialization
Exceptional
3
Bozeman, MT, MTMSA
Volume: 84Mix: 1.35%
Place Specialization
Exceptional
4
Fayetteville, NC, NCMSA
Volume: 175Mix: 2.82%
Place Specialization
Exceptional
5
Seattle, WAMSA
Volume: 376Mix: 6.05%
Place Specialization
Exceptional
6
Houston, TXMSA
Volume: 670Mix: 10.79%
Place Specialization
Exceptional
7
Spokane, WAMSA
Volume: 131Mix: 2.11%
Place Specialization
Strong
8
San Antonio, TXMSA
Volume: 447Mix: 7.20%
Place Specialization
Strong
9
Dallas, TXMSA
Volume: 470Mix: 7.57%
Place Specialization
Strong
10
Twin Falls, ID, IDMSA
Volume: 90Mix: 1.45%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
WAState
Volume: 1,016Mix: 16.36%
Place Specialization
Exceptional
2
TXState
Volume: 2,043Mix: 32.90%
Place Specialization
Exceptional
3
OKState
Volume: 700Mix: 11.27%
Place Specialization
Exceptional
4
NCState
Volume: 772Mix: 12.43%
Place Specialization
Strong
5
AKState
Volume: 199Mix: 3.20%
Place Specialization
Strong
6
COState
Volume: 394Mix: 6.34%
Place Specialization
Strong
7
MTState
Volume: 134Mix: 2.16%
Place Specialization
Strong
8
IDState
Volume: 163Mix: 2.62%
Place Specialization
Strong
9
ARState
Volume: 116Mix: 1.87%
Place Specialization
Strong
10
NMState
Volume: 71Mix: 1.14%
Place Specialization
Strong
Showing 10 of 24 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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