Cornerstone First Mortgage in Georgia vs the state
3.6%Denial rate-15.63 pts vs state
5.0%Decision denial rate-20.04 pts vs state
67.9%Origination rate+13.77 pts vs state
6.63%Median rate0.00 pts vs state
0.49Rate spread (pts)+0.22 pts vs state
$104kMedian applicant income
340Loans originated
18Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 113 | 113 | 0.0% | 7.00% | #291 |
| 2024 | 311 | 203 | 1.9% | 6.75% | #189 |
| 2025 | 501 | 340 | 3.6% | 6.63% | #151 |
What Cornerstone First Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Cornerstone First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 54 | 26 | 2 | 3.7% |
| DeKalb County | 36 | 19 | 4 | 11.1% |
| Richmond County | 30 | 29 | 1 | 3.3% |
| Jackson County | 22 | 17 | 1 | 4.5% |
| Henry County | 22 | 14 | 0 | 0.0% |
| Cobb County | 21 | 12 | 1 | 4.8% |
| Cherokee County | 20 | 12 | 2 | 10.0% |
| Glynn County | 20 | 17 | 0 | 0.0% |
| Newton County | 20 | 15 | 1 | 5.0% |
| Pickens County | 17 | 12 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 501 applications in 2025, of which 340 were originated and 18 denied.
3.6% of all applications, or 5.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Cornerstone First Mortgage originated in Georgia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Cornerstone First Mortgage's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology