Cornerstone Capital Bank, SSB Mortgage Lending & HMDA Data, 2025
In 2025, Cornerstone Capital Bank, SSB of Houston, TX reported 21,434 mortgage applications totaling $8.1 billion, up 20% from 2024. The average application was for $378,214, and applicants reported an average income of $174,286. 36% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (3,043), San Antonio-New Braunfels, TX (2,008) and Dallas-Plano-Irving, TX (1,748) (applications in parentheses).
| Mortgage Company & Address | Cornerstone Capital Bank, SSB 1177 West Loop South Suite 200 Houston, TX 77027 |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 21,434 |
| Total Mortgage Loan Application Amount | $8,106,650,000 |
| Average Mortgage Loan Application Amount | $378,214 |
| Highest Mortgage Loan Application Amount | $6,005,000 |
| Average Applicant Income | $174,286 |
| Highest Applicant Income | $7,824,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cornerstone Capital Bank, SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Cornerstone Capital Bank, SSB in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 19,853 | $7,487,705,000 | $377,000 | $3,785,000 | $172,000 | $6,456,000 |
| Refinancing | 741 | $397,395,000 | $536,000 | $6,005,000 | $234,000 | $7,824,000 |
| Cash-out Refinancing | 546 | $165,950,000 | $303,000 | $2,735,000 | $185,000 | $2,998,000 |
| Other Purpose | 276 | $50,980,000 | $184,000 | $2,475,000 | $158,000 | $1,945,000 |
| Home Improvement | 18 | $4,620,000 | $256,000 | $885,000 | $163,000 | $472,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 11,803 | $4,194,185,000 | $355,000 | $6,005,000 | $170,000 | $568,000 |
| White | 4,975 | $2,089,725,000 | $420,000 | $3,065,000 | $185,000 | $7,824,000 |
| Not Provided | 1,766 | $804,110,000 | $455,000 | $3,785,000 | $206,000 | $6,456,000 |
| Hispanic | 1,526 | $493,520,000 | $323,000 | $2,645,000 | $135,000 | $4,350,000 |
| Black or African American | 690 | $223,920,000 | $324,000 | $2,335,000 | $132,000 | $3,398,000 |
| Asian | 441 | $238,755,000 | $541,000 | $2,475,000 | $208,000 | $1,237,000 |
| American Indian or Alaskan Native | 212 | $55,370,000 | $261,000 | $965,000 | $113,000 | $1,349,000 |
| Native Hawaiian or Other Pacific Islander | 20 | $6,460,000 | $323,000 | $635,000 | $115,000 | $212,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 10,605 | $4,256,365,000 | $401,000 | $6,005,000 | $209,000 | $7,824,000 |
| FHA-insured (Federal Housing Administration) | 7,411 | $2,522,215,000 | $340,000 | $1,045,000 | $109,000 | $649,000 |
| VA-guaranteed (Veterans Administration) | 2,966 | $1,195,740,000 | $403,000 | $1,975,000 | $131,000 | $733,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 452 | $132,330,000 | $292,000 | $555,000 | $91,000 | $162,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Purchased By The Institution | 11,799 | $4,187,465,000 | $354,000 | $2,035,000 | $170,000 | $568,000 |
| Loan Originated | 7,642 | $3,147,530,000 | $411,000 | $6,005,000 | $176,000 | $7,824,000 |
| Application Withdrawn By Applicant | 1,795 | $704,165,000 | $392,000 | $3,005,000 | $184,000 | $4,966,000 |
| Application Denied By Financial Institution | 174 | $57,360,000 | $329,000 | $1,895,000 | $123,000 | $1,300,000 |
| File Closed For Incompleteness | 18 | $7,020,000 | $390,000 | $1,005,000 | $168,000 | $332,000 |
| Application Approved But Not Accepted | 6 | $3,110,000 | $518,000 | $755,000 | $150,000 | $188,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 21,260 | $8,049,290,000 | $378,000 | $6,005,000 | $177,000 | $7,824,000 |
| Debt-To-Income Ratio | 75 | $28,325,000 | $377,000 | $1,485,000 | $100,000 | $687,000 |
| Collateral | 30 | $9,670,000 | $322,000 | $1,895,000 | $191,000 | $1,300,000 |
| Credit History | 21 | $5,235,000 | $249,000 | $525,000 | $106,000 | $215,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 16 | $4,430,000 | $276,000 | $995,000 | $103,000 | $434,000 |
| Unverifiable Information | 15 | $4,675,000 | $311,000 | $795,000 | $105,000 | $260,000 |
| Credit Application Incomplete | 11 | $3,505,000 | $318,000 | $535,000 | $178,000 | $712,000 |
| Employment History | 3 | $945,000 | $315,000 | $845,000 | $101,000 | $250,000 |
| Other | 3 | $575,000 | $191,000 | $365,000 | $112,000 | $176,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cornerstone Capital Bank, SSB's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Cornerstone Capital Bank, SSB's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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