Cornerstone First Mortgage in Oregon vs the state
3.5%Denial rate-11.80 pts vs state
5.2%Decision denial rate-13.99 pts vs state
64.3%Origination rate+3.71 pts vs state
6.88%Median rate+0.13 pts vs state
0.58Rate spread (pts)+0.31 pts vs state
$162kMedian applicant income
110Loans originated
6Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 57 | 57 | 0.0% | 6.63% | #194 |
| 2024 | 118 | 70 | 1.7% | 6.99% | #146 |
| 2025 | 171 | 110 | 3.5% | 6.88% | #133 |
What Cornerstone First Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Cornerstone First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 45 | 28 | 2 | 4.4% |
| Multnomah County | 43 | 27 | 0 | 0.0% |
| Clackamas County | 32 | 19 | 0 | 0.0% |
| Marion County | 15 | 9 | 4 | 26.7% |
| Douglas County | 5 | 2 | 0 | 0.0% |
| Lincoln County | 4 | 4 | 0 | 0.0% |
| Columbia County | 4 | 2 | 0 | 0.0% |
| Deschutes County | 3 | 2 | 0 | 0.0% |
| Yamhill County | 3 | 3 | 0 | 0.0% |
| Hood River County | 2 | 1 | 0 | 0.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 171 applications in 2025, of which 110 were originated and 6 denied.
3.5% of all applications, or 5.2% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Cornerstone First Mortgage originated in Oregon in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Cornerstone First Mortgage's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology