Cornerstone First Mortgage, Inc.: 2025 mortgage rates, costs & approvals
How Cornerstone First Mortgage, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Cornerstone First Mortgage, Inc · LEI 2549001SI0EMFPT39035
In 2025, Cornerstone First Mortgage, Inc. originated 5,081 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 50 states — 129th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.75% (all lenders: 6.625%); its median rate spread was 31 basis points above the national median. Median conventional loan costs were $7,350, 32% higher than the national median ($5,570).
It denied 4.3% of completed home-purchase applications (all lenders: 8.5%).
How Cornerstone First Mortgage, Inc. priced home-purchase loans
| Purchase loans, 2025 | Cornerstone First Mortgage, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.750% | 6.625% |
| 30-year fixed rate · FHA | 6.500% | 6.250% |
| 30-year fixed rate · VA | 6.500% | 6.125% |
| 15-year fixed rate · conventional | 6.000% | 5.875% |
| Rate spread vs. APOR · conventional | +0.44 pts | +0.13 pts |
| Total loan costs · conventional | $7,350 | $5,570 |
| Total loan costs · FHA | $13,300 | $11,310 |
| Total loan costs · VA | $9,880 | $6,490 |
| Origination charges (all types) | $3,570 | $1,860 |
| Borrowers paying discount points | 63.5% | 51.3% |
| Points paid, when paid (% of loan) | 0.92% | 0.87% |
| Borrowers receiving lender credits | 16.0% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Cornerstone First Mortgage, Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Cornerstone First Mortgage, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Florida | 857 | 917 | 6.1% | 6.750% | $9,330 |
| Washington | 543 | 556 | 1.6% | 6.625% | $7,790 |
| Ohio | 507 | 517 | 1.2% | 6.875% | $5,020 |
| California | 493 | 503 | 1.8% | 6.750% | $9,090 |
| New Jersey | 296 | 315 | 5.0% | 6.990% | $8,140 |
| Texas | 271 | 305 | 9.8% | 6.875% | $7,520 |
| Arizona | 236 | 237 | 0.5% | 6.875% | $7,650 |
| Georgia | 229 | 246 | 7.4% | 6.625% | $8,470 |
| Michigan | 216 | 221 | 2.5% | 6.625% | $5,450 |
| Illinois | 115 | 135 | 14.8% | 6.990% | $7,390 |
| Wisconsin | 99 | 105 | 5.8% | 6.625% | $5,610 |
| Alabama | 97 | 102 | 1.3% | 6.625% | $4,830 |
| Tennessee | 92 | 98 | 8.2% | 6.625% | $7,080 |
| Oregon | 87 | 92 | 6.4% | 6.875% | $10,360 |
| Virginia | 77 | 85 | 4.5% | 6.875% | $6,660 |
| Louisiana | 69 | 76 | 8.3% | 6.625% | $5,600 |
| North Carolina | 63 | 70 | 7.8% | 6.999% | $10,280 |
| Utah | 60 | 61 | 0.0% | 6.625% | $8,930 |
| South Carolina | 60 | 60 | 0.0% | 7.125% | $6,000 |
| Pennsylvania | 58 | 62 | 8.7% | 6.875% | $6,390 |
| Maine | 58 | 59 | 2.0% | 6.625% | $4,840 |
| Maryland | 48 | 53 | 7.0% | 6.750% | $6,970 |
| Kansas | 47 | 48 | 0.0% | — | $5,110 |
| Missouri | 41 | 44 | 8.8% | 6.750% | $4,880 |
| West Virginia | 41 | 41 | 0.0% | — | — |
| Massachusetts | 33 | 33 | 0.0% | — | — |
| Oklahoma | 31 | 35 | 6.3% | — | — |
| Nevada | 31 | 32 | — | — | — |
| Indiana | 31 | 31 | 0.0% | — | — |
| Colorado | 27 | 28 | 4.8% | — | — |
| Idaho | 26 | 27 | 4.3% | — | — |
| Iowa | 25 | 26 | 4.5% | — | — |
| Delaware | 15 | 15 | — | — | — |
| Montana | 15 | 15 | — | — | — |
| Mississippi | 14 | 15 | — | — | — |
| Arkansas | 11 | 11 | — | — | — |
| Hawaii | 10 | 12 | — | — | — |
| Minnesota | 9 | 10 | — | — | — |
| Connecticut | 7 | 7 | — | — | — |
| Kentucky | 7 | 7 | — | — | — |
| New Mexico | 5 | 6 | — | — | — |
| Nebraska | 5 | 5 | — | — | — |
| New Hampshire | 5 | 5 | — | — | — |
| Rhode Island | 3 | 3 | — | — | — |
| Vermont | 3 | 3 | — | — | — |
| Alaska | 2 | 2 | — | — | — |
| North Dakota | 2 | 2 | — | — | — |
| South Dakota | 2 | 2 | — | — | — |
| District of Columbia | 1 | 1 | — | — | — |
| Wyoming | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Cornerstone First Mortgage, Inc.'s page for that state.
Counties where Cornerstone First Mortgage, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Custer County, ID | 1 | 7 | 15.6% |
| Lemhi County, ID | 4 | 6 | 7.3% |
| Miami County, OH | 5 | 83 | 4.5% |
| Camas County, ID | 6 | 1 | 3.9% |
| Power County, ID | 9 | 2 | 3.7% |
| Jones County, TX | 8 | 4 | 2.9% |
| Catahoula Parish, LA | 8 | 1 | 2.9% |
| Haskell County, TX | 8 | 1 | 2.6% |
| Taylor County, GA | 8 | 1 | 2.5% |
| Kitsap County, WA | 10 | 104 | 2.5% |
| Holt County, MO | 8 | 1 | 2.4% |
| Montgomery County, OH | 11 | 181 | 2.3% |
| Kanawha County, WV | 16 | 34 | 2.0% |
| McIntosh County, GA | 10 | 4 | 1.9% |
| Boone County, NE | 8 | 1 | 1.9% |
Check Cornerstone First Mortgage, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 2549001SI0EMFPT39035.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Cornerstone First Mortgage, Inc. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology