# Cornerstone First Mortgage, Inc

> **Canonical URL:** https://saferate.com/lenders/cornerstone-first-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Cornerstone First Mortgage, Inc is a independent mortgage company, headquartered in SAN DIEGO, CA, serving borrowers nationwide, with 2,961 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 84% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 45% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 2549001SI0EMFPT39035
- **Headquarters:** SAN DIEGO, CA
- **Geographic Reach:** National
- **States Served:** 47
- **State List:** AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 16/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 55/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.521%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,127
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,961
- **Dollar Volume:** $1.2 billion
- **Applications Received:** 4,523
- **Market Share:** 8.00%

## Typical Borrower Profile

- **Average Loan Amount:** $418,347
- **Average Borrower Income:** $182,569
- **Average Property Value:** $547,388

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 68/100 | 1,674 | +0.507% | $4,070 | Strong 😀 |
| FHA | 78/100 | 917 | +0.701% | $4,332 | Strong 😀 |
| VA | 76/100 | 256 | -0.089% | $3,861 | Strong 😀 |
| Jumbo | 73/100 | 80 | +0.809% | $3,442 | Strong 😀 |
| USDA | 55/100 | 34 | +0.448% | $3,648 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,453 loans, Score: 65/100 (Strong)
- Refinance: 221 loans, Score: 61/100 (Strong)

**FHA:**
- Purchase: 825 loans, Score: 78/100 (Strong)
- Refinance: 92 loans, Score: 76/100 (Strong)

**VA:**
- Purchase: 214 loans, Score: 75/100 (Strong)
- Refinance: 42 loans, Score: 52/100 (Sound)

**Jumbo:**
- Purchase: 65 loans, Score: 75/100 (Strong)

**USDA:**
- Purchase: 34 loans, Score: 54/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 70/100 | 2,591 | $1.1B | +0.534% | Strong 😀 |
| Refinance | 64/100 | 370 | $160M | +0.429% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 555 | 0.19% | 72/100 |
| CA | 368 | 0.13% | 67/100 |
| NJ | 361 | 0.42% | 77/100 |
| WA | 259 | 0.30% | 73/100 |
| GA | 173 | 0.13% | 65/100 |
| TX | 158 | 0.05% | 59/100 |
| AL | 96 | 0.16% | 63/100 |
| IL | 86 | 0.07% | 57/100 |
| AZ | 83 | 0.08% | 57/100 |
| MI | 61 | 0.05% | 53/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 237 | 59/100 |
| Lakewood | NJ | 136 | 72/100 |
| Newark, NJ | NJ | 117 | 72/100 |
| Miami | FL | 110 | 67/100 |
| Orlando | FL | 88 | 63/100 |
| Tampa, FL | FL | 83 | 62/100 |
| Atlanta | GA | 81 | 60/100 |
| New York | NY-NJ | 74 | 59/100 |
| San Diego | CA | 72 | 61/100 |
| Birmingham, AL | AL | 71 | 67/100 |
| Tacoma | WA | 71 | 69/100 |
| Oakland | CA | 70 | 63/100 |
| Fort Lauderdale | FL | 63 | 60/100 |
| Phoenix | AZ | 61 | 55/100 |
| Portland | OR-WA | 56 | 58/100 |

## Where This Lender Ranks

Cornerstone First Mortgage, Inc appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#13** in Kennewick for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kennewick/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#14** in Santa Cruz for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/santa-cruz/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#15** in Brunswick for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/brunswick/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#18** in Kennewick for VA Loans
  - [View Full Rankings](https://saferate.com/kennewick/best-mortgage-lenders/va-loans)
- 🏆 **#20** in Redding, CA for FHA Loans
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders/fha-loans)
- 🏆 **#20** in Redding, CA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders/mortgage-companies/fha-loans)

## Frequently Asked Questions

### What loan types does Cornerstone First Mortgage, Inc offer?

Cornerstone First Mortgage, Inc offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Cornerstone First Mortgage, Inc offer mortgages?

Cornerstone First Mortgage, Inc is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are Cornerstone First Mortgage, Inc's mortgage rates?

Cornerstone First Mortgage, Inc has a pricing score of 16/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.521% above market average.

### What type of lender is Cornerstone First Mortgage, Inc?

Cornerstone First Mortgage, Inc is a non-depository lender that specializes in mortgage origination, headquartered in SAN DIEGO, CA.

### What is Cornerstone First Mortgage, Inc's loan approval success rate?

Cornerstone First Mortgage, Inc has a pull-through score of 55/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/cornerstone-first-mortgage

### How to Cite

> "Cornerstone First Mortgage, Inc Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/cornerstone-first-mortgage

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