Cornerstone First Mortgage in Texas vs the state
6.7%Denial rate-12.70 pts vs state
10.5%Decision denial rate-14.40 pts vs state
57.2%Origination rate+2.33 pts vs state
6.88%Median rate+0.38 pts vs state
0.69Rate spread (pts)+0.50 pts vs state
$121kMedian applicant income
357Loans originated
42Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 73 | 73 | 0.0% | 6.75% | #625 |
| 2024 | 255 | 176 | 1.6% | 6.81% | #351 |
| 2025 | 624 | 357 | 6.7% | 6.88% | #226 |
What Cornerstone First Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Cornerstone First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 74 | 47 | 7 | 9.5% |
| Harris County | 70 | 24 | 9 | 12.9% |
| Tarrant County | 56 | 34 | 2 | 3.6% |
| Collin County | 42 | 26 | 3 | 7.1% |
| Montgomery County | 34 | 15 | 4 | 11.8% |
| Fort Bend County | 28 | 10 | 4 | 14.3% |
| Denton County | 27 | 19 | 0 | 0.0% |
| Bexar County | 24 | 17 | 1 | 4.2% |
| Galveston County | 21 | 8 | 4 | 19.0% |
| Nueces County | 18 | 13 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 624 applications in 2025, of which 357 were originated and 42 denied.
6.7% of all applications, or 10.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Cornerstone First Mortgage originated in Texas in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are Cornerstone First Mortgage's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology