Cornerstone First Mortgage in Arizona vs the state
0.3%Denial rate-15.98 pts vs state
0.3%Decision denial rate-20.09 pts vs state
78.4%Origination rate+18.93 pts vs state
6.75%Median rate+0.25 pts vs state
0.49Rate spread (pts)+0.27 pts vs state
$132kMedian applicant income
316Loans originated
1Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 29 | 29 | 0.0% | 6.63% | #377 |
| 2024 | 148 | 109 | 0.7% | 6.75% | #194 |
| 2025 | 403 | 316 | 0.3% | 6.75% | #128 |
What Cornerstone First Mortgage lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Cornerstone First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 273 | 215 | 1 | 0.4% |
| Pinal County | 55 | 43 | 0 | 0.0% |
| Pima County | 15 | 9 | 0 | 0.0% |
| Mohave County | 15 | 13 | 0 | 0.0% |
| Yavapai County | 13 | 9 | 0 | 0.0% |
| Yuma County | 7 | 5 | 0 | 0.0% |
| Navajo County | 7 | 6 | 0 | 0.0% |
| Coconino County | 7 | 6 | 0 | 0.0% |
| Cochise County | 6 | 6 | 0 | 0.0% |
| Gila County | 3 | 3 | 0 | 0.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 403 applications in 2025, of which 316 were originated and 1 denied.
0.3% of all applications, or 0.3% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Cornerstone First Mortgage originated in Arizona 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 Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology