Cornerstone Capital Bank in New Mexico vs the state
1.3%Denial rate-17.35 pts vs state
1.7%Decision denial rate-22.93 pts vs state
71.2%Origination rate+17.82 pts vs state
6.38%Median rate-0.25 pts vs state
0.31Rate spread (pts)-0.07 pts vs state
$78kMedian applicant income
227Loans originated
4Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 276 | 196 | 2.9% | 6.63% | #62 |
| 2024 | 220 | 143 | 3.6% | 6.63% | #66 |
| 2025 | 319 | 227 | 1.3% | 6.38% | #60 |
What Cornerstone Capital Bank lends in New Mexico
By loan purpose
By loan type
Why it denied New Mexico applicants
Where in New Mexico
Counties with the most Cornerstone Capital Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Juan County | 246 | 176 | 0 | 0.0% |
| Bernalillo County | 29 | 25 | 1 | 3.4% |
| Doña Ana County | 17 | 11 | 2 | 11.8% |
| Sandoval County | 14 | 8 | 0 | 0.0% |
| Luna County | 4 | 4 | 0 | 0.0% |
| Santa Fe County | 4 | 1 | 0 | 0.0% |
| Valencia County | 2 | 0 | 0 | 0.0% |
| McKinley County | 1 | 1 | 0 | 0.0% |
| Taos County | 1 | 1 | 0 | 0.0% |
| Lincoln County | 1 | 0 | 1 | 100.0% |
Other large lenders in New Mexico
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 4,440 | 20.5% | 6.75% |
| 21st Mortgage | F | 3,992 | 45.5% | 9.60% |
| United Shore Financial Services | B | 3,251 | 12.8% | 6.13% |
| Guild Mortgage | A | 3,186 | 4.3% | 6.63% |
| Nusenda | D | 2,962 | 13.7% | 8.00% |
| Waterstone Mortgage | C | 2,740 | 3.2% | 6.88% |
| Vanderbilt Mortgage and Finance | F | 2,085 | 46.4% | 9.99% |
| Sunward Federal Credit Union | B | 1,765 | 9.1% | 6.50% |
| Mortgage Research Center | C | 1,683 | 15.9% | 6.25% |
| Primary Residential Mortgage | C | 1,497 | 4.9% | 6.63% |
Frequently asked questions
New Mexico: 319 applications in 2025, of which 227 were originated and 4 denied.
1.3% of all applications, or 1.7% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
The median rate on loans Cornerstone Capital Bank originated in New Mexico in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Cornerstone Capital Bank's own HMDA filing for properties located in New Mexico, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology