Cornerstone Bank
Cornerstone Bank received 165 applications in 2025 and made 143 mortgages, in 31 counties across 5 states. The median rate its borrowers got was 7.265% on a median loan of $145,000. Of 150 decisions, 3 were denials — 2.0%, most often for credit history.
| Legal Entity Identifier | 5493003LIT6MPMIF5W07 |
|---|---|
| Applications received | 165 |
| Mortgages made | 143 |
| Denied | 3 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 15 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.2915 points |
| FDIC-insured bank | Yes: Cornerstone Bank, 50 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 50 | 7.250% | $250,000 | 2.0% |
| Refinancing | 65 | 7.240% | $105,000 | 0.0% |
| Other purposes | 28 | 7.435% | $65,000 | 6.5% |
Where Cornerstone Bank lends most
The 31 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cass County, ND | 26 | 7.285% | 0.0% |
| Burleigh County, ND | 19 | 7.180% | 4.6% |
| McKenzie County, ND | 16 | 7.240% | 5.9% |
| Clay County, MN | 11 | 7.430% | 0.0% |
| Ward County, ND | 10 | 7.210% | 0.0% |
| Stark County, ND | 9 | Under 10 loans | 10.0% |
| Minnehaha County, SD | 9 | Under 10 loans | 0.0% |
| Mountrail County, ND | 7 | Under 10 loans | 0.0% |
| Lincoln County, SD | 7 | Under 10 loans | 0.0% |
| Morton County, ND | 5 | Under 10 loans | 0.0% |
| McLean County, ND | 2 | Under 10 loans | 0.0% |
| Richland County, ND | 2 | Under 10 loans | 0.0% |
| Williams County, ND | 2 | Under 10 loans | 0.0% |
| Ionia County, MI | 1 | Under 10 loans | 0.0% |
| Becker County, MN | 1 | Under 10 loans | 0.0% |
| Beltrami County, MN | 1 | Under 10 loans | 0.0% |
| Norman County, MN | 1 | Under 10 loans | 0.0% |
| Otter Tail County, MN | 1 | Under 10 loans | 0.0% |
| Wilkin County, MN | 1 | Under 10 loans | 0.0% |
| Jasper County, MO | 1 | Under 10 loans | 0.0% |
| Barnes County, ND | 1 | Under 10 loans | 0.0% |
| Benson County, ND | 1 | Under 10 loans | 0.0% |
| Bottineau County, ND | 1 | Under 10 loans | 0.0% |
| Dunn County, ND | 1 | Under 10 loans | 0.0% |
| Grand Forks County, ND | 1 | Under 10 loans | 0.0% |
| Grant County, ND | 1 | Under 10 loans | 0.0% |
| Ramsey County, ND | 1 | Under 10 loans | 0.0% |
| Walsh County, ND | 1 | Under 10 loans | 0.0% |
| Bon Homme County, SD | 1 | Under 10 loans | 0.0% |
| Davison County, SD | 1 | Under 10 loans | 0.0% |
| Kingsbury County, SD | 1 | Under 10 loans | 0.0% |
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When Cornerstone Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.