Cornerstone First Mortgage in Ohio vs the state
1.7%Denial rate-16.00 pts vs state
2.1%Decision denial rate-19.79 pts vs state
78.8%Origination rate+18.88 pts vs state
6.75%Median rate-0.13 pts vs state
0.47Rate spread (pts)+0.08 pts vs state
$86kMedian applicant income
605Loans originated
13Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 39 | 39 | 0.0% | 7.13% | #429 |
| 2024 | 81 | 56 | 1.2% | 6.81% | #337 |
| 2025 | 768 | 605 | 1.7% | 6.75% | #105 |
What Cornerstone First Mortgage lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Cornerstone First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 280 | 221 | 2 | 0.7% |
| Miami County | 105 | 92 | 0 | 0.0% |
| Greene County | 75 | 63 | 2 | 2.7% |
| Butler County | 43 | 34 | 2 | 4.7% |
| Cuyahoga County | 38 | 24 | 1 | 2.6% |
| Summit County | 30 | 19 | 2 | 6.7% |
| Clark County | 30 | 28 | 1 | 3.3% |
| Warren County | 28 | 23 | 2 | 7.1% |
| Hamilton County | 27 | 18 | 0 | 0.0% |
| Franklin County | 22 | 17 | 0 | 0.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 768 applications in 2025, of which 605 were originated and 13 denied.
1.7% of all applications, or 2.1% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Cornerstone First Mortgage originated in Ohio in 2025 was 6.75%, against a statewide median of 6.88%.
About this data. Figures are Cornerstone First Mortgage's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology