Cornerstone National Bank & Trust Company
Cornerstone National Bank & Trust Company received 139 applications in 2025 and made 124 mortgages, in 22 counties across 9 states. The median rate its borrowers got was 6.495% on a median loan of $360,000. Of 131 decisions, 4 were denials — 3.1%, most often for other. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 54930001LYHHRVGJ6B97 |
|---|---|
| Applications received | 139 |
| Mortgages made | 124 |
| Denied | 4 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 8 |
| Loans bought from other lenders | 5 |
| Median rate spread over the prime offer rate | -0.0825 points |
| FDIC-insured bank | Yes: Cornerstone National Bank & Trust Company, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 82 | 6.500% | $375,000 | 2.3% |
| Refinancing | 31 | 6.125% | $365,000 | 3.1% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 3 | Under 10 loans | Under 10 loans | 25.0% |
Where Cornerstone National Bank & Trust Company lends most
The 22 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cook County, IL | 48 | 6.500% | 2.0% |
| Lake County, IL | 19 | 6.125% | 0.0% |
| McHenry County, IL | 14 | 6.420% | 11.8% |
| DuPage County, IL | 11 | 6.375% | 0.0% |
| Kane County, IL | 10 | 6.870% | 0.0% |
| Will County, IL | 4 | Under 10 loans | 0.0% |
| Walworth County, WI | 3 | Under 10 loans | 0.0% |
| Collier County, FL | 2 | Under 10 loans | 0.0% |
| Denton County, TX | 2 | Under 10 loans | 0.0% |
| Ogle County, IL | 1 | Under 10 loans | 0.0% |
| Winnebago County, IL | 1 | Under 10 loans | 0.0% |
| Lake County, IN | 1 | Under 10 loans | 0.0% |
| Merrimack County, NH | 1 | Under 10 loans | 0.0% |
| Union County, NC | 1 | Under 10 loans | 0.0% |
| Charleston County, SC | 1 | Under 10 loans | 0.0% |
| Collin County, TX | 1 | Under 10 loans | 0.0% |
| Columbia County, WI | 1 | Under 10 loans | 0.0% |
| Door County, WI | 1 | Under 10 loans | 0.0% |
| Oconto County, WI | 1 | Under 10 loans | 0.0% |
| Racine County, WI | 1 | Under 10 loans | 0.0% |
| Berrien County, MI | 0 | Under 10 loans | 100.0% |
| Kenosha County, WI | 0 | Under 10 loans | Not published |
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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.