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Cornerstone National Bank & Trust Company

Bank•Palatine, ILHQ•Direct•Reviews near you on Google

Cornerstone National Bank & Trust Company has 63 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Acceptable
2/5
Conventional
Place
Sound
3/5
Multi-Region · 2 mkts

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees

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Report Card

Cornerstone National Bank & Trust Company performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+4.7 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 2 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Acceptable
Pricing
Exceptional
Pull Through
Sound
Volume62
Mix98.4%
Spread
+0.054%Above
Fees
$199Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Acceptable
Pricing
Exceptional
Pull Through
Sound
Volume46
Mix73.0%
Spread
+0.054%Above
Fees
$154Fees
Refinance
Overall
Sound
Product
Acceptable
Pricing—
Pull Through
Sound
Volume17
Mix27.0%
Spread
+0.023%Above
Fees
$340Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
63
Applications
73
Volume
$24 million
Pricing & Closing
Avg Rate Spread
+0.047%
vs. market APOR
Avg Net Fees
$196
Origination − Credits
Pullthrough Rate
86.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$389,286
Avg Borrower Income
$318,222
Avg Property Value
$596,429

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

10
10 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
NH
Midwest5
ILINMINEWI
South3
KYTNTX
West1
AZ

Top Metro Areas by Place Specialization Score

1© John Picken; derivative by Georgfotoart · CC BY 2.0
Chicago, ILMetro
Volume 33Mix 52.38% of portfolio
59/100
Sound
2© Richie Diesterheft from Chicago, IL, USA · CC BY 2.0
Lake County, ILMetro
Volume 13Mix 20.63% of portfolio
55/100
Sound

Top States by Place Specialization Score

Illinois
Illinois
1
IllinoisState
Volume 47Mix 74.60% of portfolio
62/100
Strong

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.