Cornerstone First Mortgage in Pennsylvania vs the state
4.2%Denial rate-14.06 pts vs state
6.9%Decision denial rate-15.31 pts vs state
57.0%Origination rate-3.92 pts vs state
6.88%Median rate+0.25 pts vs state
0.48Rate spread (pts)+0.24 pts vs state
$98kMedian applicant income
81Loans originated
6Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 21 | 21 | 0.0% | 7.38% | #599 |
| 2024 | 89 | 49 | 2.3% | 7.25% | #394 |
| 2025 | 142 | 81 | 4.2% | 6.88% | #329 |
What Cornerstone First Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Cornerstone First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 21 | 9 | 1 | 4.8% |
| Delaware County | 13 | 8 | 0 | 0.0% |
| Erie County | 12 | 10 | 1 | 8.3% |
| Montgomery County | 10 | 7 | 0 | 0.0% |
| Monroe County | 9 | 5 | 0 | 0.0% |
| Chester County | 8 | 5 | 0 | 0.0% |
| Bucks County | 7 | 6 | 0 | 0.0% |
| Allegheny County | 7 | 5 | 0 | 0.0% |
| Dauphin County | 6 | 1 | 2 | 33.3% |
| York County | 5 | 4 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 142 applications in 2025, of which 81 were originated and 6 denied.
4.2% of all applications, or 6.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Cornerstone First Mortgage originated in Pennsylvania in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Cornerstone First Mortgage's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology