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Cornerstone National Bank & Trust Company

BankPalatine, ILDirect

Cornerstone National Bank Trust has 63 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Exceptional
vs. all lenders
Pull Through
Sound
closing strength
Products
Acceptable
Conventional
Place
Sound
Multi-Region · 2 mkts

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Safe Rate's 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

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Market Leader
+4.7 bps above market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Near industry average
Bottom 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Near industry average
Bottom 40% of lenders
Refinance
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Multi-Regional2 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Acceptable
Exceptional
Sound
6298.4%
+0.054%Above
$199Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Acceptable
Exceptional
Sound
4673.0%
+0.054%Above
$154Fees
Refinance
Sound
Acceptable
Sound
1727.0%
+0.023%Above
$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
States Served
10
We count Washington DC as a state
Avg Place Specialization
Sound

States with Loan Originations

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Top Metro Areas by Place Specialization Score

1
Chicago, ILMSA
Volume: 33Mix: 52.38%of portfolio
Place
Sound
2
Lake County, IL, ILMSA
Volume: 13Mix: 20.63%of portfolio
Place
Sound

Top States by Place Specialization Score

1
ILState
Volume: 47Mix: 74.60%of portfolio
Place
Strong

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.