Cornerstone First Mortgage in Idaho vs the state
1.8%Denial rate-12.63 pts vs state
2.6%Decision denial rate-14.96 pts vs state
69.1%Origination rate+6.07 pts vs state
6.81%Median rate+0.19 pts vs state
0.32Rate spread (pts)+0.16 pts vs state
$104kMedian applicant income
38Loans originated
1Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 5 | 0.0% | 7.25% | #326 |
| 2024 | 49 | 32 | 10.2% | 6.56% | #146 |
| 2025 | 55 | 38 | 1.8% | 6.81% | #159 |
What Cornerstone First Mortgage lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Cornerstone First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Custer County | 11 | 9 | 1 | 9.1% |
| Lemhi County | 8 | 7 | 0 | 0.0% |
| Ada County | 7 | 4 | 0 | 0.0% |
| Elmore County | 6 | 3 | 0 | 0.0% |
| Fremont County | 4 | 1 | 0 | 0.0% |
| Teton County | 4 | 3 | 0 | 0.0% |
| Canyon County | 3 | 2 | 0 | 0.0% |
| Power County | 3 | 2 | 0 | 0.0% |
| Bannock County | 2 | 1 | 0 | 0.0% |
| Twin Falls County | 1 | 1 | 0 | 0.0% |
Other large lenders in Idaho
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Idaho Central Credit Union | A | 15,644 | 16.5% | 7.00% |
| Rocket Mortgage | C | 4,391 | 13.3% | 6.63% |
| United Shore Financial Services | B | 3,943 | 9.1% | 6.12% |
| Premier Mortgage Resources | B | 2,504 | 2.7% | 6.25% |
| Mountain America Federal Credit Union | D | 2,323 | 37.7% | 7.24% |
| Guild Mortgage | A | 2,320 | 3.4% | 6.50% |
| U.S. Bank | D | 2,161 | 28.6% | 7.35% |
| Loandepot.Com | D | 1,622 | 14.2% | 6.50% |
| Glacier Bank | D | 1,507 | 14.5% | 6.88% |
| Pennymac Loan Services | C | 1,297 | 10.8% | 6.50% |
Frequently asked questions
Idaho: 55 applications in 2025, of which 38 were originated and 1 denied.
1.8% of all applications, or 2.6% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Cornerstone First Mortgage originated in Idaho in 2025 was 6.81%, against a statewide median of 6.63%.
About this data. Figures are Cornerstone First Mortgage's own HMDA filing for properties located in Idaho, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology