Cornerstone First Mortgage in Maryland vs the state
5.7%Denial rate-13.14 pts vs state
8.1%Decision denial rate-16.02 pts vs state
64.2%Origination rate+8.44 pts vs state
6.69%Median rate+0.06 pts vs state
0.58Rate spread (pts)+0.33 pts vs state
$110kMedian applicant income
68Loans originated
6Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 10 | 0.0% | 6.81% | #478 |
| 2024 | 32 | 23 | 3.1% | 6.99% | #357 |
| 2025 | 106 | 68 | 5.7% | 6.69% | #224 |
What Cornerstone First Mortgage lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Cornerstone First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore County | 15 | 6 | 0 | 0.0% |
| Anne Arundel County | 13 | 8 | 1 | 7.7% |
| Prince George's County | 13 | 9 | 2 | 15.4% |
| Montgomery County | 13 | 9 | 0 | 0.0% |
| Frederick County | 10 | 5 | 2 | 20.0% |
| Worcester County | 10 | 10 | 0 | 0.0% |
| Baltimore city | 8 | 6 | 0 | 0.0% |
| Charles County | 4 | 3 | 0 | 0.0% |
| Howard County | 3 | 2 | 0 | 0.0% |
| Garrett County | 3 | 3 | 0 | 0.0% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 106 applications in 2025, of which 68 were originated and 6 denied.
5.7% of all applications, or 8.1% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Cornerstone First Mortgage originated in Maryland in 2025 was 6.69%, against a statewide median of 6.63%.
About this data. Figures are Cornerstone First Mortgage's own HMDA filing for properties located in Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology