Cornerstone First Mortgage in Illinois vs the state
9.2%Denial rate-7.91 pts vs state
13.3%Decision denial rate-8.43 pts vs state
59.4%Origination rate+0.67 pts vs state
6.88%Median rate+0.13 pts vs state
0.83Rate spread (pts)+0.45 pts vs state
$100kMedian applicant income
142Loans originated
22Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 26 | 26 | 0.0% | 7.13% | #554 |
| 2024 | 125 | 92 | 2.4% | 7.06% | #298 |
| 2025 | 239 | 142 | 9.2% | 6.88% | #225 |
What Cornerstone First Mortgage lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Cornerstone First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 96 | 55 | 12 | 12.5% |
| McHenry County | 33 | 22 | 2 | 6.1% |
| Kane County | 24 | 17 | 1 | 4.2% |
| Will County | 19 | 8 | 1 | 5.3% |
| DuPage County | 13 | 7 | 1 | 7.7% |
| Lake County | 11 | 6 | 0 | 0.0% |
| Winnebago County | 8 | 7 | 0 | 0.0% |
| DeKalb County | 5 | 4 | 0 | 0.0% |
| Kendall County | 5 | 3 | 2 | 40.0% |
| Peoria County | 3 | 0 | 0 | 0.0% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 239 applications in 2025, of which 142 were originated and 22 denied.
9.2% of all applications, or 13.3% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Cornerstone First Mortgage originated in Illinois in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Cornerstone First Mortgage's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology