Cornerstone First Mortgage in Utah vs the state
0.8%Denial rate-15.16 pts vs state
1.2%Decision denial rate-17.99 pts vs state
66.4%Origination rate+3.16 pts vs state
6.75%Median rate+0.13 pts vs state
0.38Rate spread (pts)+0.14 pts vs state
$149kMedian applicant income
83Loans originated
1Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 29 | 29 | 0.0% | 6.50% | #181 |
| 2024 | 67 | 44 | 1.5% | 6.75% | #148 |
| 2025 | 125 | 83 | 0.8% | 6.75% | #124 |
What Cornerstone First Mortgage lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Cornerstone First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 39 | 24 | 0 | 0.0% |
| Utah County | 36 | 26 | 1 | 2.8% |
| Wasatch County | 8 | 5 | 0 | 0.0% |
| Davis County | 7 | 7 | 0 | 0.0% |
| Washington County | 7 | 3 | 0 | 0.0% |
| Summit County | 5 | 3 | 0 | 0.0% |
| Juab County | 4 | 2 | 0 | 0.0% |
| Weber County | 4 | 3 | 0 | 0.0% |
| Box Elder County | 3 | 3 | 0 | 0.0% |
| Sanpete County | 3 | 0 | 0 | 0.0% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | C | 16,303 | 18.3% | 6.99% |
| Mountain America Federal Credit Union | D | 15,401 | 36.5% | 7.24% |
| United Shore Financial Services | B | 11,325 | 8.5% | 6.25% |
| Rocket Mortgage | C | 6,276 | 14.6% | 6.63% |
| Guild Mortgage | A | 5,427 | 1.5% | 6.50% |
| Intercap Lending | A | 4,881 | 0.7% | 6.50% |
| Goldenwest | B | 4,794 | 17.6% | 7.50% |
| First Colony Mortgage | A | 3,499 | 2.1% | 6.38% |
| Kind Lending | C | 3,227 | 20.3% | 6.50% |
| Zions Bancorporation | B | 3,013 | 22.9% | 6.49% |
Frequently asked questions
Utah: 125 applications in 2025, of which 83 were originated and 1 denied.
0.8% of all applications, or 1.2% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Cornerstone First Mortgage originated in Utah in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Cornerstone First Mortgage's own HMDA filing for properties located in Utah, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology