Cornerstone First Mortgage in Massachusetts vs the state
3.0%Denial rate-13.18 pts vs state
4.0%Decision denial rate-15.95 pts vs state
71.2%Origination rate+8.61 pts vs state
6.75%Median rate+0.13 pts vs state
0.65Rate spread (pts)+0.56 pts vs state
$128kMedian applicant income
47Loans originated
2Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 20 | 20 | 0.0% | 6.31% | #388 |
| 2024 | 35 | 20 | 2.9% | 6.75% | #349 |
| 2025 | 66 | 47 | 3.0% | 6.75% | #291 |
What Cornerstone First Mortgage lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Cornerstone First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bristol County | 14 | 10 | 0 | 0.0% |
| Middlesex County | 11 | 6 | 2 | 18.2% |
| Plymouth County | 9 | 8 | 0 | 0.0% |
| Worcester County | 8 | 7 | 0 | 0.0% |
| Barnstable County | 6 | 3 | 0 | 0.0% |
| Suffolk County | 5 | 3 | 0 | 0.0% |
| Hampden County | 5 | 4 | 0 | 0.0% |
| Essex County | 5 | 4 | 0 | 0.0% |
| Norfolk County | 2 | 1 | 0 | 0.0% |
| Franklin County | 1 | 1 | 0 | 0.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 66 applications in 2025, of which 47 were originated and 2 denied.
3.0% of all applications, or 4.0% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Cornerstone First Mortgage originated in Massachusetts in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Cornerstone First Mortgage's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology