CORNERSTONE CAPITAL BANK, SSB
7,642 mortgages originated in 2025 across 15 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 7,642
- Median rate
- 6.490%
- Median lender fees
- $8,081
- Median loan amount
- $355,000
- Median spread over APOR
- 0.171
- Paid discount points
- 58.3%
- Received lender credits
- 40.8%
- Purchases / refinances
- 86.3% / 11.4%
- Conventional / FHA / VA
- 64.7% / 20.4% / 14%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 95.6% of loans here — see methodology.
Where CORNERSTONE CAPITAL BANK, SSB lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Texas | 2,279 | $9,644 | 6.250% |
| Washington | 1,370 | $7,785 | 6.500% |
| North Carolina | 910 | $6,762 | 6.250% |
| Colorado | 589 | $6,499 | 6.500% |
| Oklahoma | 429 | $7,178 | 6.500% |
| Idaho | 319 | $9,134 | 6.125% |
| California | 261 | $8,315 | 6.750% |
| Alaska | 250 | $9,984 | 6.250% |
| New Mexico | 227 | $5,849 | 6.375% |
| Montana | 218 | $10,206 | 6.625% |
| Arizona | 158 | $7,225 | 6.625% |
| Oregon | 114 | $9,344 | 6.750% |
| Utah | 69 | $5,352 | 6.625% |
| Tennessee | 60 | $7,899 | 6.625% |
| Florida | 58 | $8,159 | 6.625% |