What loan types does Cornerstone First Mortgage offer?

Cornerstone First Mortgage offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does Cornerstone First Mortgage offer mortgages?

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

How competitive are Cornerstone First Mortgage's mortgage rates?

Cornerstone First Mortgage has an overall pricing score of 15.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Cornerstone First Mortgage?

Cornerstone First Mortgage is a Independent Mortgage Company headquartered in SAN DIEGO, CA.

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Cornerstone First Mortgage

Independent Mortgage Company•San Diego, CAHQ•Direct•Reviews near you on Google

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

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

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Strong

Top 40% of lenders

Strong

Top 40% of lenders

Jumbo

Strong

Top 40% of lenders

USDA

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

National · 50 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Mediocre	Sound	1,674	56.5%	+0.507%Above	$4,070Fees
FHA Loans	Sound	Strong	Mediocre	Strong	917	31.0%	+0.701%Above	$4,332Fees
VA Loans	Sound	Strong	Mediocre	Strong	256	8.6%	-0.089%Below	$3,861Fees
Jumbo Loans	Sound	Strong	Mediocre	Sound	80	2.7%	+0.809%Above	$3,442Fees
USDA Loans	Acceptable	Sound	—	Acceptable	34	1.1%	+0.448%Above	$3,648Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume1,674

Mix56.5%

Spread

+0.507%Above

Fees

$4,070Fees

FHA Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Strong

Volume917

Mix31.0%

Spread

+0.701%Above

Fees

$4,332Fees

VA Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Strong

Volume256

Mix8.6%

Spread

-0.089%Below

Fees

$3,861Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume80

Mix2.7%

Spread

+0.809%Above

Fees

$3,442Fees

USDA Loans

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Acceptable

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	Sound	Strong	Mediocre	Sound	2,591	87.5%	+0.534%Above	$4,128Fees
Refinance	Sound	Strong	Mediocre	Sound	370	12.5%	+0.429%Above	$4,115Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume2,591

Mix87.5%

Spread

+0.534%Above

Fees

$4,128Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Sound

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast8

CTMEMANHNJPARIVT

Midwest11

IAILINKSMIMNMONDNEOHWI

South17

ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West11

AZCACOHIIDMTNMNVORUTWA

Top Metro Areas by Place Specialization Score

1© Gamezilla2019 · CC BY 4.0

Newark, NJMetro

Volume 117Mix 3.95% of portfolio

72/100

Strong

2© Mr. Matté · CC BY-SA 4.0

Lakewood, NJMetro

Volume 136Mix 4.59% of portfolio

72/100

Strong

3© Broran28 · Public domain

Tacoma, WAMetro

Volume 71Mix 2.40% of portfolio

69/100

Strong

4© Eric in SF · CC BY-SA 3.0

Birmingham, ALMetro

Volume 71Mix 2.40% of portfolio

67/100

Strong

Miami, FLMetro

Volume 110Mix 3.71% of portfolio

67/100

Strong

Kennewick, WAMetro

Volume 41Mix 1.38% of portfolio

64/100

Strong

Oakland, CAMetro

Volume 70Mix 2.36% of portfolio

63/100

Strong

Orlando, FLMetro

Volume 88Mix 2.97% of portfolio

63/100

Strong

Tampa, FLMetro

Volume 83Mix 2.80% of portfolio

62/100

Strong

San Diego, CAMetro

Volume 72Mix 2.43% of portfolio

61/100

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

New JerseyState

Volume 361Mix 12.19% of portfolio

77/100

Strong

WashingtonState

Volume 259Mix 8.75% of portfolio

73/100

Strong

FloridaState

Volume 555Mix 18.74% of portfolio

72/100

Strong

CaliforniaState

Volume 368Mix 12.43% of portfolio

67/100

Strong

GeorgiaState

Volume 173Mix 5.84% of portfolio

65/100

Strong

AlabamaState

Volume 96Mix 3.24% of portfolio

63/100

Strong

TexasState

Volume 158Mix 5.34% of portfolio

59/100

Sound

ArizonaState

Volume 83Mix 2.80% of portfolio

57/100

Sound

OregonState

Volume 60Mix 2.03% of portfolio

57/100

Sound

IllinoisState

Volume 86Mix 2.90% of portfolio

57/100

Sound

Showing 10 of 32 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 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.