Cornerstone First Mortgage in Alabama vs the state
2.6%Denial rate-17.22 pts vs state
3.6%Decision denial rate-21.45 pts vs state
71.1%Origination rate+15.66 pts vs state
6.75%Median rate+0.25 pts vs state
0.50Rate spread (pts)+0.21 pts vs state
$115kMedian applicant income
162Loans originated
6Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 102 | 102 | 0.0% | 6.88% | #200 |
| 2024 | 214 | 120 | 1.4% | 6.99% | #139 |
| 2025 | 228 | 162 | 2.6% | 6.75% | #143 |
What Cornerstone First Mortgage lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Cornerstone First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baldwin County | 94 | 74 | 1 | 1.1% |
| Jefferson County | 42 | 23 | 1 | 2.4% |
| Shelby County | 24 | 15 | 1 | 4.2% |
| Mobile County | 11 | 7 | 1 | 9.1% |
| St. Clair County | 10 | 8 | 0 | 0.0% |
| Chilton County | 10 | 8 | 0 | 0.0% |
| Madison County | 6 | 5 | 1 | 16.7% |
| Blount County | 5 | 3 | 0 | 0.0% |
| Montgomery County | 3 | 2 | 0 | 0.0% |
| Limestone County | 3 | 3 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 228 applications in 2025, of which 162 were originated and 6 denied.
2.6% of all applications, or 3.6% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Cornerstone First Mortgage originated in Alabama in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Cornerstone First Mortgage's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology