Cornerstone First Mortgage in New York vs the state
11.1%Denial rate-8.64 pts vs state
25.0%Decision denial rate+0.96 pts vs state
33.3%Origination rate-26.26 pts vs state
7.75%Median rate+1.13 pts vs state
—Rate spread (pts)
$713kMedian applicant income
6Loans originated
2Denied
What Cornerstone First Mortgage lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Cornerstone First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 7 | 2 | 1 | 14.3% |
| Orange County | 3 | 1 | 0 | 0.0% |
| Erie County | 3 | 1 | 0 | 0.0% |
| Rockland County | 1 | 0 | 0 | 0.0% |
| Kings County | 1 | 0 | 0 | 0.0% |
| Richmond County | 1 | 1 | 0 | 0.0% |
| Seneca County | 1 | 1 | 0 | 0.0% |
| Nassau County | 1 | 0 | 1 | 100.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 18 applications in 2025, of which 6 were originated and 2 denied.
11.1% of all applications, or 25.0% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Cornerstone First Mortgage originated in New York in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Cornerstone First Mortgage's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology