Cornerstone First Mortgage in Colorado vs the state
1.6%Denial rate-13.99 pts vs state
2.5%Decision denial rate-17.16 pts vs state
63.9%Origination rate+3.91 pts vs state
6.75%Median rate+0.13 pts vs state
0.22Rate spread (pts)+0.07 pts vs state
$165kMedian applicant income
39Loans originated
1Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 8 | 0.0% | 6.81% | #538 |
| 2024 | 97 | 56 | 0.0% | 6.43% | #222 |
| 2025 | 61 | 39 | 1.6% | 6.75% | #278 |
What Cornerstone First Mortgage lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Cornerstone First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 15 | 11 | 0 | 0.0% |
| Jefferson County | 9 | 5 | 1 | 11.1% |
| Denver County | 6 | 5 | 0 | 0.0% |
| Douglas County | 4 | 4 | 0 | 0.0% |
| Eagle County | 4 | 4 | 0 | 0.0% |
| Arapahoe County | 4 | 3 | 0 | 0.0% |
| Larimer County | 3 | 1 | 0 | 0.0% |
| Pueblo County | 3 | 1 | 0 | 0.0% |
| Park County | 3 | 2 | 0 | 0.0% |
| Boulder County | 2 | 1 | 0 | 0.0% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| ENT Credit Union | B | 13,238 | 20.9% | 7.50% |
| Rocket Mortgage | C | 11,486 | 15.7% | 6.61% |
| Guild Mortgage | A | 6,232 | 3.1% | 6.62% |
| Bellco Credit Union | F | 5,863 | 40.9% | 8.00% |
| U.S. Bank | D | 4,978 | 36.0% | 7.95% |
| American Financing | D | 4,937 | 41.3% | 6.38% |
| FirstBank | C | 4,929 | 15.6% | 7.00% |
| Canvas Credit Union | C | 4,889 | 13.7% | 7.89% |
| Elevations | C | 4,426 | 10.8% | 6.88% |
Frequently asked questions
Colorado: 61 applications in 2025, of which 39 were originated and 1 denied.
1.6% of all applications, or 2.5% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Cornerstone First Mortgage originated in Colorado in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Cornerstone First Mortgage's own HMDA filing for properties located in Colorado, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology