Cornerstone Capital Bank in Utah vs the state
6.1%Denial rate-9.90 pts vs state
8.0%Decision denial rate-11.18 pts vs state
69.7%Origination rate+6.46 pts vs state
6.63%Median rate0.00 pts vs state
0.40Rate spread (pts)+0.16 pts vs state
$120kMedian applicant income
69Loans originated
6Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 49 | 34 | 8.2% | 6.25% | #151 |
| 2024 | 67 | 52 | 1.5% | 6.81% | #147 |
| 2025 | 99 | 69 | 6.1% | 6.63% | #133 |
What Cornerstone Capital Bank lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Cornerstone Capital Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 23 | 16 | 2 | 8.7% |
| Davis County | 22 | 16 | 1 | 4.5% |
| Weber County | 15 | 10 | 0 | 0.0% |
| Utah County | 9 | 7 | 0 | 0.0% |
| Tooele County | 6 | 4 | 1 | 16.7% |
| Iron County | 5 | 3 | 0 | 0.0% |
| Carbon County | 4 | 1 | 1 | 25.0% |
| Washington County | 3 | 3 | 0 | 0.0% |
| Wasatch County | 3 | 2 | 0 | 0.0% |
| Morgan County | 3 | 3 | 0 | 0.0% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | C | 16,303 | 18.3% | 6.99% |
| Mountain America Federal Credit Union | D | 15,401 | 36.5% | 7.24% |
| United Shore Financial Services | B | 11,325 | 8.5% | 6.25% |
| Rocket Mortgage | C | 6,276 | 14.6% | 6.63% |
| Guild Mortgage | A | 5,427 | 1.5% | 6.50% |
| Intercap Lending | A | 4,881 | 0.7% | 6.50% |
| Goldenwest | B | 4,794 | 17.6% | 7.50% |
| First Colony Mortgage | A | 3,499 | 2.1% | 6.38% |
| Kind Lending | C | 3,227 | 20.3% | 6.50% |
| Zions Bancorporation | B | 3,013 | 22.9% | 6.49% |
Frequently asked questions
Utah: 99 applications in 2025, of which 69 were originated and 6 denied.
6.1% of all applications, or 8.0% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Cornerstone Capital Bank originated in Utah in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Cornerstone Capital Bank's own HMDA filing for properties located in Utah, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology