Cornerstone First Mortgage in Florida vs the state
3.8%Denial rate-17.22 pts vs state
5.2%Decision denial rate-22.00 pts vs state
69.2%Origination rate+16.48 pts vs state
6.88%Median rate+0.25 pts vs state
0.53Rate spread (pts)+0.26 pts vs state
$97kMedian applicant income
1,568Loans originated
87Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 481 | 481 | 0.0% | 7.00% | #235 |
| 2024 | 1,245 | 824 | 4.2% | 6.99% | #125 |
| 2025 | 2,267 | 1,568 | 3.8% | 6.88% | #87 |
What Cornerstone First Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Cornerstone First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 396 | 243 | 26 | 6.6% |
| Hillsborough County | 230 | 176 | 7 | 3.0% |
| Osceola County | 219 | 167 | 4 | 1.8% |
| Orange County | 169 | 111 | 8 | 4.7% |
| Broward County | 159 | 96 | 12 | 7.5% |
| Polk County | 154 | 113 | 3 | 1.9% |
| Lee County | 90 | 75 | 2 | 2.2% |
| Manatee County | 77 | 61 | 2 | 2.6% |
| Pinellas County | 75 | 54 | 1 | 1.3% |
| Sarasota County | 71 | 46 | 4 | 5.6% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 2,267 applications in 2025, of which 1,568 were originated and 87 denied.
3.8% of all applications, or 5.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Cornerstone First Mortgage originated in Florida in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Cornerstone First Mortgage's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology