Cornerstone Home Lending Mortgage Rates, Fees & Info

HOUSTON, TX

LEI: 549300CY7WNAHKHYSJ73

Tax ID: 76-0236067

3.3 stars - out of 5 stars, based on 171 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Cornerstone Home Lending is a large mortgage company specializing in Home Purchase and Refi loans. Cornerstone Home Lending has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Seattle, Houston, Oklahoma City, Dallas, and San Antonio among others. We have data for 368 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Cornerstone Home Lending has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Cornerstone Home Lending is typically an average fee lender. They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender in 2021-- chances are they are still one in 2022.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 5.58% 8/9/22
    30 Year Conventional Refi 5.55% 8/9/22
    30 Year Cash-out Refi 5.74% 8/9/22
    30 Year FHA Purchase 6.66% 8/9/22
    30 Year FHA Refi 6.36% 8/9/22
    30 Year VA Purchase 5.51% 8/9/22
    30 Year VA Refi 5.20% 8/9/22
    30 Year USDA Purchase 5.99% 8/9/22
    30 Year USDA Refi 5.82% 8/9/22
    15 Year Conventional Purchase 4.60% 8/9/22
    15 Year Conventional Refi 4.61% 8/9/22
    15 Year Cash-out Refi 4.61% 8/9/22
    15 Year FHA Purchase 6.41% 8/9/22
    15 Year FHA Refi 5.68% 8/9/22
    15 Year VA Purchase 4.71% 8/9/22
    15 Year VA Refi 4.68% 8/9/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    29,391

    Origination Dollar Volume (All Markets)

    $9,877,915,000
    Show all (10) awards

    Relative Rate

    Cornerstone Home Lending 's average 30 year fixed rate mortgage of loans were 3.14%.

    The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

    This yields a difference of -0.01%.

    Relative Fees

    Cornerstone Home Lending 's average total fees for a 30 year fixed rate mortgage are $6,487.

    The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) » 2,568 $1,422,900,000 $554,089 $7,424 3.08%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) » 3,755 $1,054,265,000 $280,763 $6,878 3.06%
    OKLAHOMA CITY, OK (FHA|USDA|VA) » 2,789 $664,175,000 $238,141 $5,481 3.04%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) » 1,353 $566,695,000 $418,843 $7,187 3.03%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) » 1,552 $461,250,000 $297,197 $7,962 2.93%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) » 1,247 $456,125,000 $365,778 $7,814 3.04%
    Outside of Metro Areas 1,294 $340,860,000 $263,416 $5,386 3.14%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) » 475 $276,025,000 $581,105 $7,435 3.08%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) » 693 $268,765,000 $387,828 $4,431 3.16%
    RALEIGH-CARY, NC (FHA|USDA|VA) » 807 $246,105,000 $304,963 $4,474 3.07%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) » 388 $228,220,000 $588,196 $7,825 2.97%
    FORT COLLINS, CO (FHA|USDA|VA) » 612 $210,500,000 $343,954 $4,553 3.13%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) » 529 $188,635,000 $356,588 $5,898 3.19%
    GREELEY, CO (FHA|USDA|VA) » 540 $178,110,000 $329,833 $6,143 3.16%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) » 534 $159,250,000 $298,221 $5,433 3.12%
    Bozeman, MT (FHA|USDA|VA) » 402 $155,770,000 $387,488 $5,520 3.14%
    TULSA, OK (FHA|USDA|VA) » 658 $153,430,000 $233,176 $6,072 3.18%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) » 327 $126,765,000 $387,661 $7,646 3.07%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) » 301 $119,545,000 $397,159 $7,668 3.07%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) » 189 $100,475,000 $531,614 $5,580 3.19%
    FAYETTEVILLE, NC (FHA|USDA|VA) » 451 $97,235,000 $215,599 $5,655 3.13%
    COLORADO SPRINGS, CO (FHA|USDA|VA) » 261 $95,095,000 $364,349 $5,543 3.11%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) » 366 $94,770,000 $258,934 $4,225 3.08%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) » 268 $89,380,000 $333,507 $6,385 3.07%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) » 119 $79,305,000 $666,429 $10,206 2.95%
    WILMINGTON, NC (FHA|USDA|VA) » 267 $76,035,000 $284,775 $4,122 3.18%
    BILLINGS, MT (FHA|USDA|VA) » 269 $73,355,000 $272,695 $7,034 3.05%
    Glenwood Springs, CO (FHA|USDA|VA) » 188 $69,250,000 $368,351 $4,801 3.18%
    Montrose, CO (FHA|USDA|VA) » 218 $67,950,000 $311,697 $4,583 3.18%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) » 201 $67,355,000 $335,100 $4,757 3.12%
    Ellensburg, WA (FHA|USDA|VA) » 173 $61,035,000 $352,803 $6,715 3.12%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) » 244 $55,300,000 $226,639 $5,806 3.24%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) » 248 $55,110,000 $222,218 $6,445 3.18%
    YAKIMA, WA (FHA|USDA|VA) » 188 $52,290,000 $278,138 $6,299 3.17%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) » 178 $49,680,000 $279,101 $5,888 3.18%
    YUBA CITY, CA (FHA|USDA|VA) » 158 $48,980,000 $310,000 $5,512 3.04%
    BOULDER, CO (FHA|USDA|VA) » 105 $48,435,000 $461,286 $4,567 3.14%
    Juneau, AK (FHA|USDA|VA) » 135 $48,175,000 $356,852 $7,908 3.01%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) » 142 $46,930,000 $330,493 $7,655 3.07%
    Steamboat Springs, CO (FHA|USDA|VA) » 109 $44,785,000 $410,872 $4,343 3.10%
    MADISON, WI (FHA|USDA|VA) » 149 $44,195,000 $296,611 $4,873 3.09%
    SALT LAKE CITY, UT (FHA|USDA|VA) » 82 $35,350,000 $431,098 $5,789 3.16%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) » 102 $32,700,000 $320,588 $5,522 3.12%
    Breckenridge, CO (FHA|USDA|VA) » 57 $31,885,000 $559,386 $4,786 3.15%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) » 83 $31,465,000 $379,096 $5,574 3.09%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) » 98 $29,530,000 $301,327 $4,830 3.07%
    GOLDSBORO, NC (FHA|USDA|VA) » 125 $26,675,000 $213,400 $5,289 3.00%
    FAIRBANKS, AK (FHA|USDA|VA) » 89 $26,335,000 $295,899 $6,505 3.08%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) » 60 $24,890,000 $414,833 $7,936 3.17%
    WENATCHEE, WA (FHA|USDA|VA) » 55 $22,805,000 $414,636 $5,364 3.11%
    CHEYENNE, WY (FHA|USDA|VA) » 73 $22,295,000 $305,411 $6,684 3.11%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) » 41 $22,095,000 $538,902 $7,995 3.05%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) » 56 $21,250,000 $379,464 $6,539 3.25%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) » 83 $20,755,000 $250,060 $6,298 3.22%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) » 81 $19,795,000 $244,383 $4,762 3.12%
    WACO, TX (FHA|USDA|VA) » 89 $19,695,000 $221,292 $5,851 3.22%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) » 66 $19,250,000 $291,667 $6,336 2.96%
    BAKERSFIELD, CA (FHA|USDA|VA) » 77 $18,725,000 $243,182 $5,476 2.97%
    Oak Harbor, WA (FHA|USDA|VA) » 46 $17,720,000 $385,217 $6,984 3.01%
    JACKSONVILLE, FL (FHA|USDA|VA) » 50 $17,240,000 $344,800 $5,587 3.16%
    CORPUS CHRISTI, TX (FHA|USDA|VA) » 77 $16,745,000 $217,468 $6,471 2.91%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) » 42 $16,460,000 $391,905 $9,164 3.12%
    PROVO-OREM, UT (FHA|USDA|VA) » 38 $15,070,000 $396,579 $6,883 3.07%
    LAS CRUCES, NM (FHA|USDA|VA) » 71 $14,805,000 $208,521 $3,840 3.15%
    Elizabeth City, NC (FHA|USDA|VA) » 50 $12,760,000 $255,200 $5,240 3.10%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) » 56 $11,690,000 $208,750 $6,963 2.94%
    PUEBLO, CO (FHA|USDA|VA) » 51 $11,555,000 $226,569 $5,705 3.15%
    Lumberton, NC (FHA|USDA|VA) » 69 $11,155,000 $161,667 $5,029 3.39%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) » 30 $11,150,000 $371,667 $7,392 3.26%
    JACKSON, MS (FHA|USDA|VA) » 46 $10,960,000 $238,261 $6,469 3.33%
    BELLINGHAM, WA (FHA|USDA|VA) » 27 $10,305,000 $381,667 $5,191 3.14%
    JACKSONVILLE, NC (FHA|USDA|VA) » 37 $10,285,000 $277,973 $6,191 3.13%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) » 31 $9,985,000 $322,097 $6,280 2.96%
    APPLETON, WI (FHA|USDA|VA) » 59 $9,815,000 $166,356 $3,861 3.36%
    Shelton, WA (FHA|USDA|VA) » 27 $9,755,000 $361,296 $8,553 3.08%
    FARMINGTON, NM (FHA|USDA|VA) » 43 $9,535,000 $221,744 $4,690 3.39%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) » 35 $9,235,000 $263,857 $4,874 3.07%
    CHICO, CA (FHA|USDA|VA) » 32 $9,160,000 $286,250 $5,145 3.13%
    ANCHORAGE, AK (FHA|USDA|VA) » 27 $8,965,000 $332,037 $6,641 3.04%
    LONGVIEW, TX (FHA|USDA|VA) » 38 $8,940,000 $235,263 $4,436 3.19%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) » 16 $8,730,000 $545,625 $6,459 3.09%
    NEW BERN, NC (FHA|USDA|VA) » 44 $8,350,000 $189,773 $4,273 3.22%
    Edwards, CO (FHA|USDA|VA) » 17 $8,305,000 $488,529 $3,980 3.15%
    Brenham, TX (FHA|USDA|VA) » 36 $8,210,000 $228,056 $4,805 2.92%
    Shawnee, OK (FHA|USDA|VA) » 38 $7,580,000 $199,474 $5,541 3.26%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) » 19 $7,525,000 $396,053 $7,136 3.12%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) » 23 $7,485,000 $325,435 $5,314 3.34%
    GRAND JUNCTION, CO (FHA|USDA|VA) » 25 $7,165,000 $286,600 $4,540 3.26%
    BEND, OR (FHA|USDA|VA) » 13 $6,885,000 $529,615 $7,396 3.01%
    TYLER, TX (FHA|USDA|VA) » 25 $6,685,000 $267,400 $4,581 3.04%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) » 37 $6,395,000 $172,838 $3,823 3.32%
    McAlester, OK (FHA|USDA|VA) » 18 $6,280,000 $348,889 $5,074 3.03%
    Sanford, NC (FHA|USDA|VA) » 23 $5,855,000 $254,565 $6,870 3.03%
    Moses Lake, WA (FHA|USDA|VA) » 17 $5,825,000 $342,647 $5,630 3.21%
    ROCKY MOUNT, NC (FHA|USDA|VA) » 30 $5,810,000 $193,667 $5,211 3.40%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) » 18 $5,790,000 $321,667 $7,561 3.19%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) » 23 $5,775,000 $251,087 $5,618 3.27%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) » 8 $5,410,000 $676,250 $8,048 3.02%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) » 16 $5,300,000 $331,250 $5,652 3.26%
    Helena, MT (FHA|USDA|VA) » 16 $4,880,000 $305,000 $5,901 3.06%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) » 13 $4,825,000 $371,154 $7,215 2.91%
    FORT SMITH, AR-OK (FHA|USDA|VA) » 18 $4,540,000 $252,222 $4,708 3.03%
    Heber, UT (FHA|USDA|VA) » 8 $4,480,000 $560,000 $5,339 3.19%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) » 23 $4,425,000 $192,391 $4,735 3.18%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) » 7 $4,395,000 $627,857 $5,825 3.14%
    BOISE CITY, ID (FHA|USDA|VA) » 9 $4,275,000 $475,000 $6,913 3.38%
    Durango, CO (FHA|USDA|VA) » 11 $4,245,000 $385,909 $4,775 3.25%
    SPRINGFIELD, MO (FHA|USDA|VA) » 19 $4,235,000 $222,895 $2,783 2.58%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) » 12 $4,100,000 $341,667 $7,620 3.13%
    GREENVILLE, NC (FHA|USDA|VA) » 19 $4,085,000 $215,000 $5,691 3.16%
    Albemarle, NC (FHA|USDA|VA) » 16 $3,930,000 $245,625 $5,358 3.20%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) » 23 $3,855,000 $167,609 $5,053 3.11%
    TEXARKANA, TX-AR (FHA|USDA|VA) » 20 $3,830,000 $191,500 $3,814 2.88%
    Huntsville, TX (FHA|USDA|VA) » 9 $3,825,000 $425,000 $7,662 3.07%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) » 19 $3,545,000 $186,579 $4,069 3.13%
    Fort Morgan, CO (FHA|USDA|VA) » 12 $3,450,000 $287,500 $5,351 3.03%
    Rockport, TX (FHA|USDA|VA) » 12 $3,400,000 $283,333 $5,498 2.97%
    Manitowoc, WI (FHA|USDA|VA) » 19 $3,365,000 $177,105 $2,944 3.43%
    Ponca City, OK (FHA|USDA|VA) » 16 $3,330,000 $208,125 $5,770 3.18%
    ASHEVILLE, NC (FHA|USDA|VA) » 10 $3,250,000 $325,000 $6,092 3.40%
    Wilson, NC (FHA|USDA|VA) » 16 $3,230,000 $201,875 $4,659 3.19%
    Port Angeles, WA (FHA|USDA|VA) » 9 $3,165,000 $351,667 $6,152 3.26%
    WINSTON-SALEM, NC (FHA|USDA|VA) » 13 $3,125,000 $240,385 $6,251 3.22%
    Stillwater, OK (FHA|USDA|VA) » 14 $3,060,000 $218,571 $6,029 3.24%
    PORT ST. LUCIE, FL (FHA|USDA|VA) » 12 $3,050,000 $254,167 $6,374 3.17%
    Morehead City, NC (FHA|USDA|VA) » 11 $3,005,000 $273,182 $4,219 2.95%
    Centralia, WA (FHA|USDA|VA) » 11 $2,955,000 $268,636 $6,458 3.16%
    Truckee-Grass Valley, CA (FHA|USDA|VA) » 8 $2,920,000 $365,000 $7,457 3.09%
    VALLEJO, CA (FHA|USDA|VA) » 9 $2,915,000 $323,889 $5,190 3.18%
    STOCKTON, CA (FHA|USDA|VA) » 5 $2,865,000 $573,000 $8,665 3.22%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) » 9 $2,815,000 $312,778 $6,514 3.33%
    SPARTANBURG, SC (FHA|USDA|VA) » 10 $2,780,000 $278,000 $7,481 3.08%
    Aberdeen, WA (FHA|USDA|VA) » 13 $2,765,000 $212,692 $5,698 3.27%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) » 13 $2,755,000 $211,923 $7,565 3.34%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) » 9 $2,725,000 $302,778 $6,540 3.14%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) » 9 $2,705,000 $300,556 $5,709 3.25%
    MISSOULA, MT (FHA|USDA|VA) » 7 $2,695,000 $385,000 $5,033 3.20%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) » 8 $2,540,000 $317,500 $5,927 3.13%
    Laurinburg, NC (FHA|USDA|VA) » 13 $2,535,000 $195,000 $5,115 3.07%
    El Campo, TX (FHA|USDA|VA) » 12 $2,530,000 $210,833 $6,483 3.35%
    GREEN BAY, WI (FHA|USDA|VA) » 8 $2,510,000 $313,750 $4,581 3.31%
    Baraboo, WI (FHA|USDA|VA) » 11 $2,425,000 $220,455 $4,811 3.14%
    COLUMBIA, SC (FHA|USDA|VA) » 8 $2,410,000 $301,250 $7,236 3.03%
    HOT SPRINGS, AR (FHA|USDA|VA) » 10 $2,380,000 $238,000 $5,311 3.24%
    FLAGSTAFF, AZ (FHA|USDA|VA) » 5 $2,355,000 $471,000 $7,812 3.10%
    FOND DU LAC, WI (FHA|USDA|VA) » 21 $2,345,000 $111,667 $3,223 3.76%
    TWIN FALLS, ID (FHA|USDA|VA) » 10 $2,340,000 $234,000 $6,539 3.11%
    Kalispell, MT (FHA|USDA|VA) » 6 $2,290,000 $381,667 $6,709 3.00%
    VICTORIA, TX (FHA|USDA|VA) » 10 $2,160,000 $216,000 $5,583 2.65%
    ST. GEORGE, UT (FHA|USDA|VA) » 8 $2,150,000 $268,750 $3,680 3.06%
    LAWTON, OK (FHA|USDA|VA) » 10 $2,140,000 $214,000 $5,501 3.31%
    RENO, NV (FHA|USDA|VA) » 6 $2,120,000 $353,333 $5,181 3.06%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) » 7 $2,115,000 $302,143 $3,698 3.27%
    Tahlequah, OK (FHA|USDA|VA) » 8 $2,100,000 $262,500 $4,031 3.05%
    BURLINGTON, NC (FHA|USDA|VA) » 9 $2,045,000 $227,222 $4,552 3.17%
    Kill Devil Hills, NC (FHA|USDA|VA) » 7 $2,035,000 $290,714 $3,142 3.29%
    Athens, TX (FHA|USDA|VA) » 4 $2,020,000 $505,000 $6,273 3.06%
    ENID, OK (FHA|USDA|VA) » 7 $1,995,000 $285,000 $6,650 3.03%
    KANSAS CITY, MO-KS (FHA|USDA|VA) » 4 $1,980,000 $495,000 $3,679 2.81%
    Kerrville, TX (FHA|USDA|VA) » 6 $1,970,000 $328,333 $6,157 3.19%
    MIDLAND, TX (FHA|USDA|VA) » 8 $1,940,000 $242,500 $6,125 3.23%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) » 4 $1,880,000 $470,000 $5,797 2.94%
    Laramie, WY (FHA|USDA|VA) » 4 $1,860,000 $465,000 $3,803 2.84%
    Bartlesville, OK (FHA|USDA|VA) » 11 $1,855,000 $168,636 $6,177 3.40%
    Searcy, AR (FHA|USDA|VA) » 9 $1,835,000 $203,889 $5,705 3.18%
    WALLA WALLA, WA (FHA|USDA|VA) » 4 $1,830,000 $457,500 $8,958 3.12%
    AMARILLO, TX (FHA|USDA|VA) » 5 $1,795,000 $359,000 $8,208 3.00%
    MODESTO, CA (FHA|USDA|VA) » 3 $1,765,000 $588,333 $5,138 3.42%
    Fredericksburg, TX (FHA|USDA|VA) » 6 $1,750,000 $291,667 $5,650 2.73%
    PINE BLUFF, AR (FHA|USDA|VA) » 9 $1,715,000 $190,556 $5,795 3.19%
    TUCSON, AZ (FHA|USDA|VA) » 7 $1,705,000 $243,571 $5,656 3.44%
    SAN ANGELO, TX (FHA|USDA|VA) » 9 $1,665,000 $185,000 $4,126 3.10%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) » 6 $1,660,000 $276,667 $3,380 3.02%
    Gainesville, TX (FHA|USDA|VA) » 4 $1,470,000 $367,500 $4,663 3.03%
    EL PASO, TX (FHA|USDA|VA) » 6 $1,450,000 $241,667 $5,638 2.96%
    MONTGOMERY, AL (FHA|USDA|VA) » 3 $1,445,000 $481,667 $7,304 3.13%
    LONGVIEW, WA (FHA|USDA|VA) » 4 $1,420,000 $355,000 $3,650 3.34%
    Outside of Metro Areas 4 $1,420,000 $355,000 $5,194 3.00%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) » 4 $1,420,000 $355,000 $4,845 2.84%
    Boone, NC (FHA|USDA|VA) » 4 $1,360,000 $340,000 $4,552 2.97%
    Lebanon, MO (FHA|USDA|VA) » 7 $1,355,000 $193,571 $1,985 2.96%
    SALINAS, CA (FHA|USDA|VA) » 2 $1,350,000 $675,000 $10,245 3.18%
    Russellville, AR (FHA|USDA|VA) » 9 $1,315,000 $146,111 $4,198 3.41%
    Taos, NM (FHA|USDA|VA) » 2 $1,290,000 $645,000 $7,121 2.63%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) » 5 $1,265,000 $253,000 $4,610 2.65%
    Mineral Wells, TX (FHA|USDA|VA) » 4 $1,230,000 $307,500 $5,636 3.12%
    FRESNO, CA (FHA|USDA|VA) » 3 $1,215,000 $405,000 $5,703 3.21%
    Muskogee, OK (FHA|USDA|VA) » 6 $1,180,000 $196,667 $6,058 3.31%
    ALBUQUERQUE, NM (FHA|USDA|VA) » 5 $1,175,000 $235,000 $6,204 3.05%
    ROANOKE, VA (FHA|USDA|VA) » 3 $1,165,000 $388,333 $4,600 3.38%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) » 3 $1,165,000 $388,333 $8,344 3.04%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) » 4 $1,160,000 $290,000 $6,812 3.47%
    Eureka-Arcata, CA (FHA|USDA|VA) » 2 $1,150,000 $575,000 $10,846 3.13%
    Deming, NM (FHA|USDA|VA) » 7 $1,065,000 $152,143 $5,777 3.32%
    Traverse City, MI (FHA|USDA|VA) » 2 $1,060,000 $530,000 $4,791 3.13%
    Bonham, TX (FHA|USDA|VA) » 1 $1,055,000 $1,055,000 $40,484 3.13%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) » 3 $1,045,000 $348,333 $5,452 2.88%
    Kinston, NC (FHA|USDA|VA) » 6 $1,020,000 $170,000 $5,445 2.96%
    VISALIA, CA (FHA|USDA|VA) » 5 $1,015,000 $203,000 $6,814 2.80%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) » 2 $1,010,000 $505,000 $11,706 2.63%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) » 4 $1,000,000 $250,000 $5,216 3.34%
    Ruidoso, NM (FHA|USDA|VA) » 3 $985,000 $328,333 $3,693 3.16%
    Ardmore, OK (FHA|USDA|VA) » 6 $980,000 $163,333 $4,901 3.17%
    Rockingham, NC (FHA|USDA|VA) » 7 $975,000 $139,286 $5,014 3.61%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) » 1 $975,000 $975,000 $19,762 3.13%
    Granbury, TX (FHA|USDA|VA) » 5 $955,000 $191,000 $5,643 3.28%
    LUBBOCK, TX (FHA|USDA|VA) » 5 $955,000 $191,000 $5,052 3.38%
    Astoria, OR (FHA|USDA|VA) » 2 $950,000 $475,000 $7,196 3.19%
    Marion, NC (FHA|USDA|VA) » 2 $950,000 $475,000 $5,863 2.88%
    SALISBURY, MD-DE (FHA|USDA|VA) » 5 $935,000 $187,000 $6,519 3.43%
    Show Low, AZ (FHA|USDA|VA) » 4 $930,000 $232,500 $4,396 3.25%
    Coos Bay, OR (FHA|USDA|VA) » 1 $905,000 $905,000 $10,986 2.75%
    Sulphur Springs, TX (FHA|USDA|VA) » 2 $890,000 $445,000 $10,662 3.31%
    SHERMAN-DENISON, TX (FHA|USDA|VA) » 4 $880,000 $220,000 $5,315 3.09%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) » 3 $875,000 $291,667 $7,316 3.33%
    MEDFORD, OR (FHA|USDA|VA) » 1 $875,000 $875,000 $7,272 3.25%
    Henderson, NC (FHA|USDA|VA) » 4 $860,000 $215,000 $6,930 2.97%
    JOPLIN, MO (FHA|USDA|VA) » 3 $855,000 $285,000 $3,884 2.75%
    LAREDO, TX (FHA|USDA|VA) » 2 $850,000 $425,000 $11,278 2.88%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) » 2 $850,000 $425,000 $5,778 3.31%
    Sandpoint, ID (FHA|USDA|VA) » 3 $845,000 $281,667 $5,349 3.04%
    KNOXVILLE, TN (FHA|USDA|VA) » 3 $845,000 $281,667 $7,344 3.17%
    OCALA, FL (FHA|USDA|VA) » 3 $835,000 $278,333 $8,037 3.21%
    FLORENCE, SC (FHA|USDA|VA) » 3 $825,000 $275,000 $6,405 2.83%
    Arkadelphia, AR (FHA|USDA|VA) » 5 $815,000 $163,000 $5,286 3.40%
    Stephenville, TX (FHA|USDA|VA) » 3 $815,000 $271,667 $5,084 2.88%
    Woodward, OK (FHA|USDA|VA) » 3 $815,000 $271,667 $6,662 3.04%
    Roanoke Rapids, NC (FHA|USDA|VA) » 2 $810,000 $405,000 $3,712 3.12%
    Alice, TX (FHA|USDA|VA) » 4 $790,000 $197,500 $5,138 3.41%
    Weatherford, OK (FHA|USDA|VA) » 3 $755,000 $251,667 $5,259 2.87%
    Newport, OR (FHA|USDA|VA) » 1 $735,000 $735,000 $25,233 2.75%
    Craig, CO (FHA|USDA|VA) » 3 $725,000 $241,667 $4,768 3.25%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) » 3 $725,000 $241,667 $4,833 3.33%
    ABILENE, TX (FHA|USDA|VA) » 3 $725,000 $241,667 $8,040 3.17%
    Forest City, NC (FHA|USDA|VA) » 2 $720,000 $360,000 $5,102 3.13%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) » 2 $720,000 $360,000 $8,514 3.06%
    WICHITA, KS (FHA|USDA|VA) » 3 $685,000 $228,333 $3,307 3.71%
    HATTIESBURG, MS (FHA|USDA|VA) » 4 $670,000 $167,500 $6,436 3.28%
    MANHATTAN, KS (FHA|USDA|VA) » 2 $660,000 $330,000 $10,661 2.75%
    Sterling, CO (FHA|USDA|VA) » 3 $655,000 $218,333 $8,439 3.29%
    Bay City, TX (FHA|USDA|VA) » 3 $655,000 $218,333 $4,734 3.08%
    Altus, OK (FHA|USDA|VA) » 2 $640,000 $320,000 $8,622 3.25%
    RICHMOND, VA (FHA|USDA|VA) » 2 $640,000 $320,000 $3,421 3.68%
    Butte-Silver Bow, MT (FHA|USDA|VA) » 3 $635,000 $211,667 $5,908 3.17%
    SALEM, OR (FHA|USDA|VA) » 2 $630,000 $315,000 $7,824 3.31%
    Española, NM (FHA|USDA|VA) » 1 $625,000 $625,000 $12,314 3.13%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) » 2 $620,000 $310,000 $7,629 3.44%
    PANAMA CITY, FL (FHA|USDA|VA) » 3 $605,000 $201,667 $8,352 3.75%
    Burley, ID (FHA|USDA|VA) » 2 $600,000 $300,000 $4,802 3.00%
    Shelby, NC (FHA|USDA|VA) » 3 $595,000 $198,333 $5,420 3.29%
    Elk City, OK (FHA|USDA|VA) » 3 $595,000 $198,333 $5,898 2.87%
    Moscow, ID (FHA|USDA|VA) » 2 $590,000 $295,000 $5,456 3.19%
    Mount Airy, NC (FHA|USDA|VA) » 2 $580,000 $290,000 $2,966 3.12%
    Corsicana, TX (FHA|USDA|VA) » 2 $570,000 $285,000 $5,174 2.63%
    Washington, NC (FHA|USDA|VA) » 3 $565,000 $188,333 $3,784 2.88%
    Sevierville, TN (FHA|USDA|VA) » 1 $545,000 $545,000 $5,535 3.13%
    Duncan, OK (FHA|USDA|VA) » 4 $540,000 $135,000 $2,888 3.47%
    Nacogdoches, TX (FHA|USDA|VA) » 1 $535,000 $535,000 $5,322 2.75%
    Silver City, NM (FHA|USDA|VA) » 2 $520,000 $260,000 $6,533 3.06%
    Rexburg, ID (FHA|USDA|VA) » 2 $520,000 $260,000 $5,284 2.75%
    Cullowhee, NC (FHA|USDA|VA) » 1 $515,000 $515,000 $4,763 2.75%
    McComb, MS (FHA|USDA|VA) » 4 $510,000 $127,500 $6,338 3.66%
    REDDING, CA (FHA|USDA|VA) » 3 $505,000 $168,333 $3,991 2.96%
    Beaver Dam, WI (FHA|USDA|VA) » 3 $505,000 $168,333 $5,087 3.50%
    MOBILE, AL (FHA|USDA|VA) » 3 $505,000 $168,333 $5,246 3.83%
    MORRISTOWN, TN (FHA|USDA|VA) » 2 $500,000 $250,000 $6,051 3.50%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) » 1 $495,000 $495,000 $9,006 2.63%
    Pullman, WA (FHA|USDA|VA) » 1 $495,000 $495,000 $7,813 2.99%
    NAPA, CA (FHA|USDA|VA) » 1 $495,000 $495,000 $8,284 2.99%
    ST. LOUIS, MO-IL (FHA|USDA|VA) » 2 $480,000 $240,000 $5,874 3.00%
    YUMA, AZ (FHA|USDA|VA) » 2 $470,000 $235,000 $9,157 3.19%
    Orangeburg, SC (FHA|USDA|VA) » 2 $460,000 $230,000 $3,019 3.88%
    CASPER, WY (FHA|USDA|VA) » 2 $460,000 $230,000 $2,217 3.44%
    Beeville, TX (FHA|USDA|VA) » 2 $450,000 $225,000 $9,901 3.25%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) » 2 $450,000 $225,000 $3,949 3.00%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) » 2 $420,000 $210,000 $5,843 2.56%
    SHEBOYGAN, WI (FHA|USDA|VA) » 2 $420,000 $210,000 $4,782 3.38%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) » 1 $405,000 $405,000 $8,536 3.25%
    IDAHO FALLS, ID (FHA|USDA|VA) » 1 $405,000 $405,000 $5,347 3.38%
    LAFAYETTE, LA (FHA|USDA|VA) » 1 $405,000 $405,000 $6,155 3.25%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) » 2 $400,000 $200,000 $4,647 3.31%
    Natchez, MS-LA (FHA|USDA|VA) » 1 $395,000 $395,000 $6,023 2.75%
    Payson, AZ (FHA|USDA|VA) » 2 $390,000 $195,000 $5,357 3.19%
    GRANTS PASS, OR (FHA|USDA|VA) » 1 $385,000 $385,000 $8,056 3.13%
    Ada, OK (FHA|USDA|VA) » 3 $385,000 $128,333 $4,468 3.17%
    FLINT, MI (FHA|USDA|VA) » 2 $380,000 $190,000 $2,868 3.38%
    Durant, OK (FHA|USDA|VA) » 3 $375,000 $125,000 $6,028 3.29%
    Riverton, WY (FHA|USDA|VA) » 1 $375,000 $375,000 $3,035 3.25%
    ODESSA, TX (FHA|USDA|VA) » 2 $370,000 $185,000 $7,010 3.25%
    LOGAN, UT-ID (FHA|USDA|VA) » 1 $365,000 $365,000 $3,712 3.25%
    Kingsville, TX (FHA|USDA|VA) » 2 $360,000 $180,000 $6,251 3.44%
    GREAT FALLS, MT (FHA|USDA|VA) » 2 $360,000 $180,000 $5,906 3.06%
    EL CENTRO, CA (FHA|USDA|VA) » 1 $355,000 $355,000 $5,446 2.25%
    Vicksburg, MS (FHA|USDA|VA) » 3 $355,000 $118,333 $6,861 3.67%
    BATON ROUGE, LA (FHA|USDA|VA) » 1 $335,000 $335,000 $13,268 3.25%
    Cañon City, CO (FHA|USDA|VA) » 1 $325,000 $325,000 $3,992 3.13%
    Kirksville, MO (FHA|USDA|VA) » 1 $325,000 $325,000 $5,322 2.75%
    Hobbs, NM (FHA|USDA|VA) » 1 $325,000 $325,000 $8,626 3.38%
    Magnolia, AR (FHA|USDA|VA) » 1 $325,000 $325,000 $11,907 3.63%
    Jacksonville, TX (FHA|USDA|VA) » 2 $320,000 $160,000 $4,308 3.19%
    Lufkin, TX (FHA|USDA|VA) » 2 $320,000 $160,000 $7,774 3.25%
    Cedar City, UT (FHA|USDA|VA) » 1 $315,000 $315,000 $9,195 3.25%
    Roseburg, OR (FHA|USDA|VA) » 1 $305,000 $305,000 $10,094 3.25%
    Sheridan, WY (FHA|USDA|VA) » 1 $305,000 $305,000 $2,850 3.13%
    Shawano, WI (FHA|USDA|VA) » 2 $300,000 $150,000 $3,263 3.31%
    Elko, NV (FHA|USDA|VA) » 1 $295,000 $295,000 $4,451 3.63%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) » 1 $295,000 $295,000 $6,633 2.88%
    Crescent City, CA (FHA|USDA|VA) » 1 $295,000 $295,000 $3,932 2.88%
    LINCOLN, NE (FHA|USDA|VA) » 2 $290,000 $145,000 $2,141 3.56%
    Lawrenceburg, TN (FHA|USDA|VA) » 1 $285,000 $285,000 $3,776 2.50%
    TOPEKA, KS (FHA|USDA|VA) » 2 $280,000 $140,000 $3,042 3.69%
    HUNTSVILLE, AL (FHA|USDA|VA) » 1 $275,000 $275,000 $6,883 3.13%
    Del Rio, TX (FHA|USDA|VA) » 1 $275,000 $275,000 $9,152 3.25%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) » 1 $265,000 $265,000 $6,128 2.50%
    Nogales, AZ (FHA|USDA|VA) » 1 $255,000 $255,000 $2,348 3.25%
    Malvern, AR (FHA|USDA|VA) » 1 $255,000 $255,000 $5,571 2.88%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) » 1 $255,000 $255,000 $6,553 4.50%
    Klamath Falls, OR (FHA|USDA|VA) » 1 $245,000 $245,000 $4,125 3.99%
    MADERA, CA (FHA|USDA|VA) » 1 $235,000 $235,000 $3,785 2.38%
    Carlsbad-Artesia, NM (FHA|USDA|VA) » 1 $235,000 $235,000 $5,230 2.75%
    Tupelo, MS (FHA|USDA|VA) » 2 $230,000 $115,000 $6,557 3.25%
    Scottsboro, AL (FHA|USDA|VA) » 1 $225,000 $225,000 $15,052 3.75%
    Laurel, MS (FHA|USDA|VA) » 1 $225,000 $225,000 $12,215 3.25%
    Hailey, ID (FHA|USDA|VA) » 1 $225,000 $225,000 $4,471 2.88%
    Meridian, MS (FHA|USDA|VA) » 1 $225,000 $225,000 $6,498 3.25%
    THE VILLAGES, FL (FHA|USDA|VA) » 1 $225,000 $225,000 $0 3.13%
    MERCED, CA (FHA|USDA|VA) » 1 $225,000 $225,000 $2,485 3.50%
    POCATELLO, ID (FHA|USDA|VA) » 1 $215,000 $215,000 $4,932 3.63%
    Whitewater, WI (FHA|USDA|VA) » 1 $215,000 $215,000 $6,374 3.63%
    WAUSAU-WESTON, WI (FHA|USDA|VA) » 1 $215,000 $215,000 $2,075 3.25%
    Brownwood, TX (FHA|USDA|VA) » 1 $215,000 $215,000 $4,058 3.25%
    LEWISTON, ID-WA (FHA|USDA|VA) » 1 $215,000 $215,000 $0 4.50%
    Lake City, FL (FHA|USDA|VA) » 1 $205,000 $205,000 $3,312 4.00%
    Picayune, MS (FHA|USDA|VA) » 1 $205,000 $205,000 $6,217 3.38%
    Indianola, MS (FHA|USDA|VA) » 1 $195,000 $195,000 $5,160 3.88%
    Uvalde, TX (FHA|USDA|VA) » 2 $190,000 $95,000 $4,037 1.44%
    ALBANY-LEBANON, OR (FHA|USDA|VA) » 1 $185,000 $185,000 $0 3.63%
    Plainview, TX (FHA|USDA|VA) » 1 $185,000 $185,000 $3,472 2.25%
    PUNTA GORDA, FL (FHA|USDA|VA) » 1 $175,000 $175,000 $4,020 3.00%
    Rock Springs, WY (FHA|USDA|VA) » 1 $175,000 $175,000 $4,321 3.25%
    Georgetown, SC (FHA|USDA|VA) » 1 $175,000 $175,000 $8,764 3.13%
    COLUMBIA, MO (FHA|USDA|VA) » 1 $175,000 $175,000 $1,824 3.25%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) » 1 $175,000 $175,000 $3,240 2.25%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) » 1 $175,000 $175,000 $2,739 2.63%
    Hermiston-Pendleton, OR (FHA|USDA|VA) » 1 $165,000 $165,000 $6,938 3.88%
    Guymon, OK (FHA|USDA|VA) » 1 $165,000 $165,000 $6,260 3.75%
    SUMTER, SC (FHA|USDA|VA) » 1 $165,000 $165,000 $7,645 3.25%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) » 1 $165,000 $165,000 $4,241 3.00%
    Hope, AR (FHA|USDA|VA) » 1 $155,000 $155,000 $6,913 3.75%
    Alamogordo, NM (FHA|USDA|VA) » 1 $155,000 $155,000 $5,782 3.25%
    Brookhaven, MS (FHA|USDA|VA) » 1 $155,000 $155,000 $10,849 3.25%
    Brevard, NC (FHA|USDA|VA) » 1 $155,000 $155,000 $5,447 3.25%
    NILES, MI (FHA|USDA|VA) » 1 $155,000 $155,000 $2,442 2.88%
    Red Bluff, CA (FHA|USDA|VA) » 1 $155,000 $155,000 $0 2.99%
    Palestine, TX (FHA|USDA|VA) » 1 $145,000 $145,000 $0 4.63%
    WICHITA FALLS, TX (FHA|USDA|VA) » 1 $145,000 $145,000 $6,390 3.63%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) » 1 $145,000 $145,000 $4,726 2.38%
    Platteville, WI (FHA|USDA|VA) » 1 $125,000 $125,000 $4,164 3.25%
    Hays, KS (FHA|USDA|VA) » 1 $115,000 $115,000 $0 3.99%
    TALLAHASSEE, FL (FHA|USDA|VA) » 1 $115,000 $115,000 $0 3.25%
    Cleveland, MS (FHA|USDA|VA) » 1 $105,000 $105,000 $4,056 3.38%
    Oxford, MS (FHA|USDA|VA) » 1 $95,000 $95,000 $4,713 3.88%
    JONESBORO, AR (FHA|USDA|VA) » 1 $85,000 $85,000 $2,936 3.00%
    Clovis, NM (FHA|USDA|VA) » 1 $85,000 $85,000 $3,674 2.88%
    Gaffney, SC (FHA|USDA|VA) » 1 $85,000 $85,000 $6,523 3.75%
    Forrest City, AR (FHA|USDA|VA) » 1 $85,000 $85,000 $5,052 3.25%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) » 1 $75,000 $75,000 $2,135 4.38%
    FORT WAYNE, IN (FHA|USDA|VA) » 1 $45,000 $45,000 $0 4.50%

    Cornerstone Home Lending 's top markets include Seattle, Houston, Oklahoma City, Dallas, and San Antonio among others.

    Product Mix

    Loan Type Originations Total Value Average Loan Average Fees Average Rate
    Conventional » 22,672 $7,970,480,000 $351,556 $5,542 3.07%
    FHA » 3,823 $968,915,000 $253,444 $9,543 3.25%
    VA » 2,354 $812,490,000 $345,153 $7,444 2.98%
    USDA » 542 $126,030,000 $232,528 $6,962 3.09%

    For the 2021 period, Cornerstone Home Lending 's most frequently originated loan type of loans were Conventional, with 22,672 originations. Their 2nd most popular type is FHA, with 3,823 originations.

    Loan Reason

    Loan Reason Originations Total Value Average Loan Average Fees Average Rate
    Home Purchase » 18,986 $6,389,900,000 $336,559 $6,847 3.11%
    Refi » 6,503 $2,172,545,000 $334,083 $4,988 2.93%
    Cash Out Refi » 3,666 $1,243,000,000 $339,062 $5,637 3.22%
    Other » 194 $60,390,000 $311,289 $5,440 3.16%
    Home Improvement » 42 $12,080,000 $287,619 $5,390 3.37%

    For the 2021, Cornerstone Home Lending 's most frequently cited loan purpose of loans were Home Purchase, with 18,986 originations. The 2nd most popular reason of loans were Refi, with 6,503 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year » 26,126 $9,029,570,000 $345,616 $6,487 3.14%
    15 Year » 2,241 $584,385,000 $260,770 $4,634 2.57%
    20 Year » 654 $189,950,000 $290,443 $4,901 2.98%
    Other » 222 $53,880,000 $242,703 $4,252 2.88%
    10 Year » 106 $19,720,000 $186,038 $3,617 2.63%
    3 Year » 39 $385,000 $9,872 $379 0.00%
    5 Year » 3 $25,000 $8,333 $0 0.00%

    For the 2021, Cornerstone Home Lending 's most frequently cited loan length of loans were 30 Year, with 26,126 originations. The 2nd most popular length of loans were 15 Year, with 2,241 originations.

    Origination Fees

    Origination Fee Originations Total Value Average Loan
    $1k-2k » 14,451 $4,698,895,000 $325,161
    $2k-3k » 3,941 $1,166,435,000 $295,974
    $5k+ » 3,188 $1,677,810,000 $526,289
    $3k-4k » 2,724 $856,610,000 $314,468
    $<1k » 1,908 $482,880,000 $253,082
    $4k-5k » 1,782 $628,220,000 $352,536

    $6,487 of loans were Cornerstone Home Lending 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 14,451 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% » 15,366 $5,130,210,000 $333,868
    2.5-3% » 11,057 $3,948,965,000 $357,146
    <2.5% » 2,268 $643,540,000 $283,748
    4-5% » 678 $151,770,000 $223,850
    5-6% » 22 $3,430,000 $155,909

    During 2021, Cornerstone Home Lending 's average interest rate of loans were 3.14%, while their most frequently originated rate bucket of loans were 3-4%, with 15,366 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k » 15,003 $4,327,215,000 $288,423 $6,198 3.11%
    $100k-200k » 5,649 $896,385,000 $158,680 $4,755 3.19%
    $400k-600k » 5,634 $2,731,560,000 $484,835 $6,945 3.05%
    $600k-1MM » 1,858 $1,367,860,000 $736,200 $9,160 3.09%
    $100,000 or less » 865 $46,015,000 $53,197 $2,401 2.26%
    $1MM+ » 382 $508,880,000 $1,332,147 $14,254 3.03%

    2021 saw Cornerstone Home Lending place emphasis on $200k-400k loans with 15,003 originations, totaling $4,327,215,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k » 6,994 $2,491,760,000 $356,271 $6,398 3.11%
    $50k-75k » 6,440 $1,516,750,000 $235,520 $5,938 3.08%
    $75k-100k » 5,429 $1,586,275,000 $292,185 $6,226 3.10%
    $150k-250k » 5,061 $2,260,055,000 $446,563 $6,775 3.08%
    $50k or less » 2,814 $492,850,000 $175,142 $4,968 3.11%
    $250k+ » 2,241 $1,391,775,000 $621,051 $7,988 3.07%

    Cornerstone Home Lending lent most frequently to those with incomes in the $100k-150k range, with 6,994 originations. The second most popular income band? $50k-75k, with 6,440 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% » 5,798 $1,977,790,000 $341,116 $5,649 3.06%
    30-36% » 5,458 $1,899,540,000 $348,029 $6,101 3.10%
    <20% » 2,019 $653,265,000 $323,559 $5,202 2.99%
    50-60% » 1,510 $457,950,000 $303,278 $9,112 3.08%
    44% » 1,245 $401,315,000 $322,341 $6,314 3.16%
    42% » 1,227 $441,865,000 $360,118 $6,600 3.14%
    43% » 1,190 $380,870,000 $320,059 $6,258 3.12%
    41% » 1,117 $382,435,000 $342,377 $6,302 3.11%
    40% » 1,085 $383,975,000 $353,894 $6,652 3.14%
    38% » 1,073 $375,455,000 $349,911 $6,415 3.13%
    39% » 1,043 $359,835,000 $345,000 $6,369 3.12%
    37% » 1,012 $352,230,000 $348,053 $6,253 3.12%
    36% » 981 $348,135,000 $354,878 $6,319 3.14%
    49% » 957 $303,695,000 $317,341 $6,810 3.10%
    45% » 936 $293,790,000 $313,878 $6,656 3.08%
    48% » 849 $267,315,000 $314,859 $6,425 3.07%
    46% » 832 $258,980,000 $311,274 $6,423 3.06%
    47% » 790 $248,360,000 $314,380 $6,631 3.08%
    >60% » 50 $19,390,000 $387,800 $7,986 3.09%

    Cornerstone Home Lending lent most frequently to those with DTI ratios of 20-30%, with 5,798 originations. The next most common DTI ratio? 30-36%, with 5,458 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White » 19,332 $6,414,910,000 $331,829 $6,029 3.09%
    Not provided » 5,986 $2,188,650,000 $365,628 $6,598 3.07%
    Black » 1,716 $459,590,000 $267,826 $7,048 3.11%
    Asian » 1,039 $412,135,000 $396,665 $7,134 3.05%
    American Indian » 842 $227,380,000 $270,048 $6,627 3.13%
    Asian Indian » 121 $50,775,000 $419,628 $7,569 3.00%
    Other Asian » 121 $37,705,000 $311,612 $6,438 3.13%
    Filipino » 57 $21,305,000 $373,772 $7,559 3.10%
    Native Hawaiian or Islander » 45 $17,205,000 $382,333 $6,570 3.17%
    Other Pacific Islander » 44 $12,920,000 $293,636 $6,828 3.14%
    Chinese » 25 $11,415,000 $456,600 $7,110 3.04%
    Japanese » 26 $10,290,000 $395,769 $7,577 2.99%
    Korean » 19 $7,615,000 $400,789 $5,563 3.16%
    Vietnamese » 10 $3,200,000 $320,000 $5,238 3.03%
    Guamanian » 5 $1,975,000 $395,000 $5,087 3.18%
    Native Hawaiian » 2 $700,000 $350,000 $11,970 3.50%
    Samoan » 1 $145,000 $145,000 $0 3.38%

    Approval Rates

    Total approvals of all applications
    97.90%

    Cornerstone Home Lending has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    79.41%

    Cornerstone Home Lending has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 29,391 $9,877,915,000 $336,086

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    » 29,391 $9,877,915,000 $336,086

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% » 1,241 $335,985,000 $270,737 $4,718 2.93%
    40-60% » 3,457 $1,173,425,000 $339,434 $5,081 2.97%
    60-80% » 9,426 $3,545,780,000 $376,170 $5,789 3.15%
    80-100% » 14,162 $4,563,040,000 $322,203 $6,826 3.16%
    Over 100% » 685 $237,295,000 $346,416 $12,261 3.06%
    Under 20% » 418 $21,940,000 $52,488 $1,305 0.85%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    Cornerstone Home Lending Inc. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 3 10.7%
    Cornerstone Home Lending Inc. Conventional home mortgage Closing on a mortgage 2 7.1%
    Cornerstone Home Lending Inc. Conventional home mortgage Struggling to pay mortgage 2 7.1%
    Cornerstone Home Lending Inc. Conventional home mortgage Trouble during payment process 12 42.9%
    Cornerstone Home Lending Inc. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 3.6%
    Cornerstone Home Lending Inc. FHA mortgage Closing on a mortgage 1 3.6%
    Cornerstone Home Lending Inc. FHA mortgage Struggling to pay mortgage 1 3.6%
    Cornerstone Home Lending Inc. FHA mortgage Trouble during payment process 1 3.6%
    Cornerstone Home Lending Inc. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 3.6%
    Cornerstone Home Lending Inc. VA mortgage Applying for a mortgage or refinancing an existing mortgage 2 7.1%
    Cornerstone Home Lending Inc. VA mortgage Trouble during payment process 2 7.1%