Cornerstone First Mortgage
We analyzed every closed loan from Cornerstone First Mortgage — 3.0k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
3/5
National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 52 basis points above market average
- Higher than average fees ($4,127)
Explore another lender or local market
Report Card
Cornerstone First Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+52.1 bps above market avg
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
1,674 loans · 0.51% above market
Strong
Top 40% of lenders
4/5
FHA
917 loans · 0.70% above market
Strong
Top 40% of lenders
4/5
VA
256 loans · 0.09% below market
Strong
Top 40% of lenders
4/5
Jumbo
80 loans · 0.81% above market
Strong
Top 40% of lenders
4/5
USDA
34 loans · 0.45% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
2,591 loans · 0.53% above market
Strong
Top 40% of lenders
4/5
Refinance
370 loans · 0.43% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,674 | 56.5% | +0.507%Above | $4,070Fees | ||||
FHA Loans | 917 | 31.0% | +0.701%Above | $4,332Fees | ||||
VA Loans | 256 | 8.6% | -0.089%Below | $3,861Fees | ||||
Jumbo Loans | 80 | 2.7% | +0.809%Above | $3,442Fees | ||||
USDA Loans | — | 34 | 1.1% | +0.448%Above | $3,648Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume1,674
Mix56.5%
Spread
+0.507%Above
Fees
$4,070Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume917
Mix31.0%
Spread
+0.701%Above
Fees
$4,332Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume256
Mix8.6%
Spread
-0.089%Below
Fees
$3,861Fees
Jumbo Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume80
Mix2.7%
Spread
+0.809%Above
Fees
$3,442Fees
USDA Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughAcceptable
Volume34
Mix1.1%
Spread
+0.448%Above
Fees
$3,648Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,591 | 87.5% | +0.534%Above | $4,128Fees | ||||
Refinance | 370 | 12.5% | +0.429%Above | $4,115Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume2,591
Mix87.5%
Spread
+0.534%Above
Fees
$4,128Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume370
Mix12.5%
Spread
+0.429%Above
Fees
$4,115Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,961
Applications
4,523
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.521%
vs. market APOR
Avg Net Fees
$4,127
Origination − Credits
Pullthrough Rate
65.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$418,347
Avg Borrower Income
$182,569
Avg Property Value
$547,388
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
47
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
47Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast8
CTMEMANHNJPARIVT
Midwest11
IAILINKSMIMNMONDNEOHWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West11
AZCACOHIIDMTNMNVORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 32 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.