Cornerstone Mortgage Providers at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
96th0.5% deniedPricingmedian rate spread over APOR, weight 30%
47th0.29 ptsProcesswithdrawn + incomplete share, weight 15%
39th14.1%Closing coststotal loan costs ÷ loan amount, weight 10%
52nd1.85% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 251 | 201 | 2.8% | 3.4% | 6.99% | $99M |
| 2024 | 216 | 165 | 4.6% | 5.7% | 6.99% | $78M |
| 2025 | 255 | 218 | 0.4% | 0.5% | 6.50% | $102M |
What Cornerstone Mortgage Providers lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 2 investment properties.
Why Cornerstone Mortgage Providers denies applications
Primary reason reported for each of the 1 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Cornerstone Mortgage Providers
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $100k – $150k | 84 | 76 | 1.3% |
| $150k – $250k | 106 | 91 | 0.0% |
| Over $250k | 56 | 44 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 66 | 52 | 0.0% |
| 35–44 | 101 | 94 | 0.0% |
| 45–54 | 50 | 42 | 2.3% |
| 55–64 | 25 | 19 | 0.0% |
Where Cornerstone Mortgage Providers lends
1 states and 6 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 255 | 218 | 0.4% | 6.50% | #370 |
Frequently asked questions
Cornerstone Mortgage Providers denied 0.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 96th percentile of small mortgage lenders.
The most common reason Cornerstone Mortgage Providers gave in 2025 was "debt-to-income ratio", cited on 100.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Cornerstone Mortgage Providers originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was 0.29 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 100% of its applications were for home purchases, 0% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 81% conventional, 18% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.