Cornerstone First Mortgage in Missouri vs the state
3.6%Denial rate-11.46 pts vs state
5.7%Decision denial rate-13.04 pts vs state
60.2%Origination rate-2.42 pts vs state
6.75%Median rate+0.13 pts vs state
0.71Rate spread (pts)+0.36 pts vs state
$116kMedian applicant income
50Loans originated
3Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 29 | 29 | 0.0% | 6.75% | #388 |
| 2024 | 61 | 43 | 3.3% | 6.88% | #302 |
| 2025 | 83 | 50 | 3.6% | 6.75% | #292 |
What Cornerstone First Mortgage lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Cornerstone First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 21 | 17 | 0 | 0.0% |
| St. Charles County | 14 | 8 | 2 | 14.3% |
| St. Louis city | 8 | 2 | 1 | 12.5% |
| Jackson County | 8 | 7 | 0 | 0.0% |
| Camden County | 5 | 4 | 0 | 0.0% |
| Douglas County | 3 | 1 | 0 | 0.0% |
| Christian County | 3 | 3 | 0 | 0.0% |
| Platte County | 3 | 2 | 0 | 0.0% |
| Taney County | 2 | 1 | 0 | 0.0% |
| Clay County | 2 | 0 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 83 applications in 2025, of which 50 were originated and 3 denied.
3.6% of all applications, or 5.7% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Cornerstone First Mortgage originated in Missouri 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 Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology