Purchase Originations
4,443
Ranked #109 nationally
Median Total Costs
$9,702
+45.2% vs national ($6,680)
↓ $652 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,600
Median Lender Credits
$295
Cost Rank (500+ vol.)
#530
among lenders with 500+ originations
Denial Rate
3.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,457 | 6.750% | $7,351 | $3,493 |
| fha | 1,474 | 6.500% | $13,243 | $3,924 |
| va | 463 | 6.500% | $9,932 | $3,274 |
| usda | 49 | 6.250% | $7,935 | $2,844 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 798 | 6.500% | $11,774 | #59 |
| Washington | 538 | 6.625% | $12,116 | #32 |
| Ohio | 482 | 6.750% | $6,369 | #54 |
| California | 380 | 6.625% | $10,350 | #101 |
| Texas | 246 | 6.750% | $10,773 | #176 |
| New Jersey | 239 | 6.750% | $11,845 | #61 |
| Arizona | 205 | 6.750% | $9,144 | #65 |
| Michigan | 199 | 6.625% | $6,088 | #80 |
| Georgia | 198 | 6.500% | $10,392 | #103 |
| Illinois | 84 | 6.750% | $10,192 | #163 |
| Wisconsin | 82 | 6.625% | $7,287 | #108 |
| Alabama | 76 | 6.625% | $8,128 | #107 |
| Oregon | 75 | 6.625% | $13,044 | #79 |
| Louisiana | 73 | 6.580% | $7,584 | #66 |
| Tennessee | 68 | 6.500% | $10,662 | #162 |
| Virginia | 65 | 6.625% | $9,554 | #159 |
| Utah | 53 | 6.625% | $11,320 | #75 |
| North Carolina | 52 | 6.750% | $10,852 | #199 |
| South Carolina | 51 | 6.990% | $8,555 | #162 |
| Maine | 50 | 6.688% | $5,060 | #44 |
| Pennsylvania | 42 | 6.875% | $6,926 | — |
| Maryland | 40 | 6.562% | $11,410 | — |
| West Virginia | 38 | 6.750% | $6,943 | — |
| Missouri | 31 | 6.750% | $5,902 | — |
| Oklahoma | 31 | 6.500% | $8,400 | — |
| Kansas | 25 | 6.624% | $5,912 | — |
| Idaho | 23 | 6.500% | $9,821 | — |
| Indiana | 23 | 6.750% | $6,950 | — |
| Massachusetts | 22 | 6.625% | $15,547 | — |
| Iowa | 21 | 6.750% | $5,681 | — |
| Colorado | 20 | 6.558% | $11,109 | — |
| Nevada | 20 | 6.750% | $7,724 | — |
| Montana | 15 | 6.125% | $11,014 | — |
| Delaware | 14 | 6.250% | $11,863 | — |
| Mississippi | 13 | 6.250% | $8,631 | — |
| Arkansas | 11 | 6.625% | $5,867 | — |
| Minnesota | 6 | 6.938% | $11,001 | — |
| Hawaii | 5 | 7.000% | $20,469 | — |
| Kentucky | 5 | 6.500% | $7,887 | — |
| Nebraska | 4 | 6.375% | $10,593 | — |
| Connecticut | 3 | 6.750% | $10,621 | — |
| New Mexico | 3 | 6.250% | $18,293 | — |
| Alaska | 2 | 6.870% | $11,712 | — |
| New Hampshire | 2 | 7.125% | $10,841 | — |
| Rhode Island | 2 | 7.688% | $8,932 | — |
| South Dakota | 2 | 6.500% | $11,929 | — |
| Vermont | 2 | 6.245% | $5,674 | — |
| District of Columbia | 1 | 6.875% | $5,825 | — |
| North Dakota | 1 | 7.250% | $6,097 | — |
| Puerto Rico | 1 | 7.500% | $17,852 | — |
| Wyoming | 1 | 5.625% | $27,658 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,110 | 6.625% | — | 35 | −$3,592 | |
| 2 | $6,189 | 6.625% | — | 38 | −$3,513 | |
| 3 | $6,250 | 6.750% | — | 80 | −$3,452 | |
| 4 | $6,606 | 6.625% | — | 176 | −$3,096 | |
| 5 | $7,170 | 6.750% | — | 52 | −$2,532 | |
| 6 | $8,791 | 6.625% | — | 60 | −$911 | |
| 7 | $8,864 | 6.750% | — | 147 | −$838 | |
| 8 | $9,348 | 6.750% | — | 56 | −$354 | |
| 9 | $10,141 | 6.500% | — | 38 | +$439 | |
| 10 | $10,143 | 6.750% | — | 54 | +$441 | |
| 11 | $11,022 | 6.500% | — | 47 | +$1,320 | |
| 12 | $11,788 | 6.500% | — | 44 | +$2,086 | |
| 13 | $11,797 | 6.495% | — | 108 | +$2,095 | |
| 14 | $12,613 | 6.625% | — | 149 | +$2,911 | |
| 15 | $13,575 | 6.500% | — | 105 | +$3,873 | |
| 16 | $14,041 | 6.750% | — | 108 | +$4,339 | |
| 17 | $14,265 | 6.433% | — | 38 | +$4,563 | |
| 18 | $15,261 | 6.500% | — | 51 | +$5,559 | |
| 19 | $15,598 | 6.499% | — | 123 | +$5,896 | |
| 20 | $16,474 | 6.562% | — | 52 | +$6,772 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Cornerstone First Mortgage, Inc | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $345,000 | $335,000 | +$10,000 (+3.0%) |
| Median total closing costs | $9,702 | $7,127 | +$2,575 (+36.1%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.