Cornerstone Home Lending Mortgage Rates, Fees & Info
HOUSTON, TXLEI: 549300CY7WNAHKHYSJ73
Tax ID: 76-0236067
3.8 stars - Updated: 4/5/25
-
out of 5 stars, based on 86 reviews
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Cornerstone Home Lending is a small mortgage company specializing in Home Purchase 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, Dallas, Houston, San Antonio, and Oklahoma City among others. We have data for 303 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. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) 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 the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.72% | 4/5/25 |
| 30 Year Conventional Purchase | 6.76% | 4/5/25 |
| 30 Year Conventional Refi | 6.96% | 4/5/25 |
| 30 Year Cash-out Refi | 7.41% | 4/5/25 |
| 30 Year FHA Purchase | 7.07% | 4/5/25 |
| 30 Year FHA Refi | 7.08% | 4/5/25 |
| 30 Year VA Purchase | 6.24% | 4/5/25 |
| 30 Year VA Refi | 6.17% | 4/5/25 |
| 30 Year USDA Purchase | 6.92% | 4/5/25 |
| 15 Year Conventional Purchase | 4.44% | 4/5/25 |
| 15 Year Conventional Refi | 6.13% | 4/5/25 |
| 15 Year Cash-out Refi | 6.13% | 4/5/25 |
| 15 Year FHA Purchase | -0.34% | 4/5/25 |
| 15 Year VA Purchase | 5.61% | 4/5/25 |
| 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. | ||
Cornerstone Home Lending Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Cornerstone Home Lending. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
7,318Origination Dollar Volume (All Markets)
$2,863,450,000Awards
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CORNERSTONE HOME LENDING - 2024
CORNERSTONE HOME LENDING is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Cornerstone Home Lending's average 30 year fixed mortgage rate was
6.44%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of -0.11%.
Relative Fees (Closing Costs)
Cornerstone Home Lending's average total fees/closing costs for a 30 year fixed rate
mortgage were $9,861.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
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) | 690 | $448,620,000 | $650,174 | $10,683 | 6.54% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 586 | $300,930,000 | $513,532 | $11,538 | 6.46% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 732 | $272,380,000 | $372,104 | $10,318 | 6.06% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 466 | $202,370,000 | $434,270 | $11,965 | 6.06% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 528 | $139,510,000 | $264,223 | $7,937 | 6.52% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 262 | $117,260,000 | $447,557 | $10,857 | 6.52% |
| Outside of Metro Areas | 392 | $113,620,000 | $289,847 | $8,062 | 6.52% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 256 | $66,890,000 | $261,289 | $7,724 | 6.00% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 138 | $64,460,000 | $467,101 | $9,910 | 6.66% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 198 | $58,610,000 | $296,010 | $9,521 | 6.14% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 149 | $55,625,000 | $373,322 | $8,049 | 6.34% |
| Bozeman, MT (FHA|USDA|VA) | 107 | $51,365,000 | $480,047 | $12,526 | 6.74% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 64 | $49,430,000 | $772,344 | $11,710 | 7.15% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 99 | $48,455,000 | $489,444 | $8,814 | 6.86% |
| TULSA, OK (FHA|USDA|VA) | 136 | $36,470,000 | $268,162 | $7,858 | 6.60% |
| WILMINGTON, NC (FHA|USDA|VA) | 107 | $35,705,000 | $333,692 | $8,043 | 6.53% |
| Juneau, AK (FHA|USDA|VA) | 87 | $34,335,000 | $394,655 | $11,002 | 6.43% |
| GREELEY, CO (FHA|USDA|VA) | 80 | $32,080,000 | $401,000 | $11,214 | 6.09% |
| TWIN FALLS, ID (FHA|USDA|VA) | 122 | $29,250,000 | $239,754 | $9,801 | 6.70% |
| FORT COLLINS, CO (FHA|USDA|VA) | 66 | $26,910,000 | $407,727 | $7,177 | 6.26% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 24 | $22,530,000 | $938,750 | $11,341 | 6.82% |
| Ellensburg, WA (FHA|USDA|VA) | 47 | $22,275,000 | $473,936 | $11,364 | 6.83% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 55 | $22,095,000 | $401,727 | $8,374 | 5.06% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 60 | $20,370,000 | $339,500 | $8,549 | 6.46% |
| FARMINGTON, NM (FHA|USDA|VA) | 111 | $18,685,000 | $168,333 | $5,903 | 5.64% |
| PUEBLO, CO (FHA|USDA|VA) | 51 | $16,725,000 | $327,941 | $8,218 | 4.01% |
| GOLDSBORO, NC (FHA|USDA|VA) | 69 | $16,355,000 | $237,029 | $7,033 | 5.51% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 34 | $16,340,000 | $480,588 | $10,227 | 7.20% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 40 | $16,270,000 | $406,750 | $7,915 | 6.74% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 37 | $16,035,000 | $433,378 | $7,923 | 6.53% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 75 | $14,645,000 | $195,267 | $7,636 | 6.76% |
| Montrose, CO (FHA|USDA|VA) | 42 | $14,520,000 | $345,714 | $7,254 | 5.93% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 22 | $13,680,000 | $621,818 | $12,191 | 6.87% |
| BOISE CITY, ID (FHA|USDA|VA) | 27 | $11,785,000 | $436,481 | $9,058 | 6.47% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 24 | $11,570,000 | $482,083 | $10,968 | 6.83% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 31 | $10,915,000 | $352,097 | $7,799 | 5.87% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 31 | $10,735,000 | $346,290 | $10,196 | 6.48% |
| FAIRBANKS, AK (FHA|USDA|VA) | 32 | $10,410,000 | $325,313 | $7,793 | 6.51% |
| LAWTON, OK (FHA|USDA|VA) | 51 | $10,175,000 | $199,510 | $5,919 | 5.93% |
| Elizabeth City, NC (FHA|USDA|VA) | 34 | $10,020,000 | $294,706 | $8,570 | 6.08% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 24 | $10,020,000 | $417,500 | $8,921 | 7.29% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 16 | $8,950,000 | $559,375 | $12,346 | 6.02% |
| LONGVIEW, WA (FHA|USDA|VA) | 22 | $8,810,000 | $400,455 | $8,726 | 7.17% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 23 | $7,925,000 | $344,565 | $8,272 | 7.10% |
| Outside of Metro Areas | 14 | $7,680,000 | $548,571 | $8,777 | 6.70% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 29 | $7,675,000 | $264,655 | $6,655 | 6.37% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 25 | $7,375,000 | $295,000 | $7,203 | 6.62% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 22 | $7,210,000 | $327,727 | $6,325 | 5.24% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 32 | $6,950,000 | $217,188 | $6,716 | 6.72% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 15 | $6,785,000 | $452,333 | $12,734 | 6.44% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 15 | $6,215,000 | $414,333 | $9,297 | 6.96% |
| Burley, ID (FHA|USDA|VA) | 29 | $6,195,000 | $213,621 | $8,074 | 6.59% |
| Glenwood Springs, CO (FHA|USDA|VA) | 17 | $6,015,000 | $353,824 | $4,892 | 6.34% |
| Sanford, NC (FHA|USDA|VA) | 19 | $5,895,000 | $310,263 | $8,303 | 6.35% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 9 | $5,725,000 | $636,111 | $7,902 | 5.50% |
| Helena, MT (FHA|USDA|VA) | 13 | $5,315,000 | $408,846 | $8,256 | 6.75% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 16 | $5,120,000 | $320,000 | $7,571 | 6.72% |
| BILLINGS, MT (FHA|USDA|VA) | 15 | $5,045,000 | $336,333 | $12,568 | 6.62% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 11 | $4,985,000 | $453,182 | $10,604 | 6.79% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 14 | $4,940,000 | $352,857 | $11,902 | 6.49% |
| ST. GEORGE, UT (FHA|USDA|VA) | 7 | $4,755,000 | $679,286 | $10,000 | 6.68% |
| YAKIMA, WA (FHA|USDA|VA) | 16 | $4,500,000 | $281,250 | $9,711 | 6.49% |
| ANCHORAGE, AK (FHA|USDA|VA) | 11 | $4,285,000 | $389,545 | $12,968 | 6.53% |
| BELLINGHAM, WA (FHA|USDA|VA) | 8 | $4,160,000 | $520,000 | $8,000 | 6.87% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 6 | $4,100,000 | $683,333 | $10,774 | 7.17% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 6 | $4,060,000 | $676,667 | $16,486 | 7.15% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 15 | $3,815,000 | $254,333 | $8,804 | 7.00% |
| Oak Harbor, WA (FHA|USDA|VA) | 9 | $3,505,000 | $389,444 | $8,456 | 6.29% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 7 | $3,495,000 | $499,286 | $14,205 | 6.91% |
| Ketchikan, AK (FHA|USDA|VA) | 10 | $3,480,000 | $348,000 | $11,340 | 6.41% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 16 | $3,420,000 | $213,750 | $5,321 | 6.04% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 12 | $3,370,000 | $280,833 | $7,085 | 6.49% |
| BEND, OR (FHA|USDA|VA) | 6 | $3,230,000 | $538,333 | $12,728 | 7.73% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 9 | $3,175,000 | $352,778 | $9,008 | 6.19% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 9 | $3,105,000 | $345,000 | $10,171 | 5.69% |
| Athens, TX (FHA|USDA|VA) | 5 | $3,065,000 | $613,000 | $6,295 | 7.03% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $3,005,000 | $3,005,000 | $18,032 | 6.88% |
| JACKSON, MS (FHA|USDA|VA) | 12 | $2,940,000 | $245,000 | $8,798 | 7.40% |
| Greeneville, TN (FHA|USDA|VA) | 15 | $2,925,000 | $195,000 | $7,567 | 7.40% |
| Russellville, AR (FHA|USDA|VA) | 20 | $2,900,000 | $145,000 | $5,596 | 6.64% |
| Lumberton, NC (FHA|USDA|VA) | 13 | $2,875,000 | $221,154 | $6,872 | 5.72% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $2,855,000 | $951,667 | $14,880 | 6.33% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 7 | $2,755,000 | $393,571 | $12,151 | 6.32% |
| Centralia, WA (FHA|USDA|VA) | 9 | $2,725,000 | $302,778 | $10,212 | 6.25% |
| Shawnee, OK (FHA|USDA|VA) | 11 | $2,555,000 | $232,273 | $8,429 | 6.71% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 7 | $2,555,000 | $365,000 | $3,155 | 4.29% |
| Aberdeen, WA (FHA|USDA|VA) | 8 | $2,430,000 | $303,750 | $8,439 | 7.24% |
| Port Angeles, WA (FHA|USDA|VA) | 4 | $2,390,000 | $597,500 | $8,665 | 6.97% |
| Shelton, WA (FHA|USDA|VA) | 9 | $2,385,000 | $265,000 | $8,365 | 5.82% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 9 | $2,315,000 | $257,222 | $8,659 | 5.82% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 6 | $2,300,000 | $383,333 | $12,059 | 6.37% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 8 | $2,300,000 | $287,500 | $9,317 | 6.34% |
| CHEYENNE, WY (FHA|USDA|VA) | 8 | $2,280,000 | $285,000 | $9,783 | 5.36% |
| Moses Lake, WA (FHA|USDA|VA) | 8 | $2,280,000 | $285,000 | $12,939 | 7.80% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 13 | $2,245,000 | $172,692 | $6,535 | 5.26% |
| Steamboat Springs, CO (FHA|USDA|VA) | 2 | $2,220,000 | $1,110,000 | $25,202 | 6.75% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 13 | $2,125,000 | $163,462 | $5,729 | 7.24% |
| Cedar City, UT (FHA|USDA|VA) | 6 | $2,100,000 | $350,000 | $8,693 | 6.96% |
| WENATCHEE, WA (FHA|USDA|VA) | 5 | $2,005,000 | $401,000 | $12,535 | 7.20% |
| Stillwater, OK (FHA|USDA|VA) | 7 | $2,005,000 | $286,429 | $10,278 | 6.50% |
| Wilson, NC (FHA|USDA|VA) | 9 | $1,945,000 | $216,111 | $6,791 | 5.40% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 5 | $1,925,000 | $385,000 | $11,825 | 7.18% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 7 | $1,905,000 | $272,143 | $6,769 | 6.32% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 4 | $1,900,000 | $475,000 | $12,177 | 6.88% |
| NEW BERN, NC (FHA|USDA|VA) | 9 | $1,845,000 | $205,000 | $8,214 | 5.69% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 3 | $1,825,000 | $608,333 | $9,423 | 6.63% |
| GREENVILLE, NC (FHA|USDA|VA) | 10 | $1,810,000 | $181,000 | $6,360 | 6.10% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 7 | $1,755,000 | $250,714 | $7,917 | 8.00% |
| MIDLAND, TX (FHA|USDA|VA) | 2 | $1,690,000 | $845,000 | $36,436 | 6.38% |
| MORRISTOWN, TN (FHA|USDA|VA) | 8 | $1,660,000 | $207,500 | $8,111 | 6.80% |
| BURLINGTON, NC (FHA|USDA|VA) | 5 | $1,515,000 | $303,000 | $11,514 | 6.73% |
| Heber, UT (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $4,579 | 6.88% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 5 | $1,455,000 | $291,000 | $11,601 | 6.30% |
| COLUMBUS, OH (FHA|USDA|VA) | 3 | $1,445,000 | $481,667 | $8,869 | 6.71% |
| Muskogee, OK (FHA|USDA|VA) | 11 | $1,445,000 | $131,364 | $5,441 | 5.46% |
| LAFAYETTE, LA (FHA|USDA|VA) | 6 | $1,440,000 | $240,000 | $10,403 | 6.46% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $1,420,000 | $710,000 | $4,901 | 7.44% |
| Huntsville, TX (FHA|USDA|VA) | 5 | $1,395,000 | $279,000 | $8,731 | 6.88% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $1,325,000 | $441,667 | $7,268 | 7.00% |
| Rockport, TX (FHA|USDA|VA) | 3 | $1,295,000 | $431,667 | $10,437 | 6.75% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $1,290,000 | $645,000 | $7,044 | 7.31% |
| WACO, TX (FHA|USDA|VA) | 4 | $1,250,000 | $312,500 | $3,963 | 6.97% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $1,245,000 | $415,000 | $13,249 | 6.63% |
| Kinston, NC (FHA|USDA|VA) | 7 | $1,245,000 | $177,857 | $6,746 | 5.34% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 4 | $1,230,000 | $307,500 | $9,179 | 6.47% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $7,188 | 6.83% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $1,190,000 | $595,000 | $12,540 | 7.63% |
| GRANTS PASS, OR (FHA|USDA|VA) | 2 | $1,170,000 | $585,000 | $6,779 | 6.88% |
| LAS CRUCES, NM (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $8,165 | 6.97% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $1,105,000 | $1,105,000 | $5,467 | 7.13% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $1,100,000 | $550,000 | $8,806 | 6.99% |
| AMARILLO, TX (FHA|USDA|VA) | 2 | $1,080,000 | $540,000 | $11,071 | 6.63% |
| ENID, OK (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $8,271 | 7.03% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $8,746 | 7.44% |
| Pullman, WA (FHA|USDA|VA) | 5 | $985,000 | $197,000 | $5,448 | 3.88% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $955,000 | $955,000 | $13,108 | 7.50% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $9,006 | 6.63% |
| TYLER, TX (FHA|USDA|VA) | 5 | $955,000 | $191,000 | $4,910 | 7.40% |
| BATON ROUGE, LA (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $9,283 | 7.94% |
| Morehead City, NC (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $9,167 | 6.75% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 5 | $915,000 | $183,000 | $6,508 | 7.70% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $10,565 | 7.75% |
| PROVO-OREM, UT (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $3,813 | 6.13% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $4,302 | 7.88% |
| Corsicana, TX (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $10,095 | 7.13% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $5,416 | 8.25% |
| Rockingham, NC (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $12,230 | 6.91% |
| Roswell, NM (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $8,002 | 5.63% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $22,880 | 6.63% |
| Granbury, TX (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $5,551 | 7.25% |
| Durant, OK (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $10,070 | 7.04% |
| Henderson, NC (FHA|USDA|VA) | 6 | $750,000 | $125,000 | $5,798 | 5.29% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $13,604 | 6.10% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $5,559 | 7.25% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $11,911 | 6.25% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $5,611 | 6.88% |
| McAlester, OK (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $6,272 | 7.70% |
| Payson, AZ (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $5,592 | 7.63% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $0 | 6.38% |
| Picayune, MS (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $14,133 | 7.75% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $2,496 | 6.68% |
| Edwards, CO (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $5,609 | 7.56% |
| GREAT FALLS, MT (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $7,954 | 6.58% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $4,391 | 6.38% |
| RENO, NV (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $13,983 | 6.99% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $9,410 | 4.44% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $16,043 | 6.75% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $9,874 | 7.31% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $3,623 | 7.49% |
| Malvern, AR (FHA|USDA|VA) | 7 | $645,000 | $92,143 | $4,563 | 6.63% |
| Altus, OK (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $4,933 | 6.25% |
| CASPER, WY (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $8,023 | 6.81% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $25,273 | 5.49% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $19,658 | 6.63% |
| Newport, TN (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $7,247 | 7.25% |
| Elk City, OK (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $7,720 | 6.06% |
| Albemarle, NC (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $7,375 | 6.69% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $0 | 8.50% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $6,264 | 4.54% |
| Ada, OK (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $8,918 | 6.56% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $6,719 | 8.18% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $82 | 6.75% |
| Spearfish, SD (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $0 | 7.25% |
| Sandpoint, ID (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $5,070 | 7.43% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $12,932 | 6.56% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 4 | $520,000 | $130,000 | $3,915 | 4.97% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $14,222 | 6.31% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $12,857 | 7.13% |
| Brenham, TX (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $18,469 | 7.13% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $12,028 | 7.12% |
| Durango, CO (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $6,446 | 8.25% |
| MONTGOMERY, AL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $2,078 | 9.50% |
| Opelousas, LA (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $8,973 | 7.46% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $16,481 | 7.25% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $6,996 | 6.88% |
| Branson, MO (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $9,781 | 6.63% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $15,733 | 8.13% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $8,661 | 8.44% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $9,156 | 7.13% |
| MADISON, WI (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 3.00% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $7,411 | 9.50% |
| NAPA, CA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $8,472 | 9.50% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $6,221 | 6.93% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $6,748 | 6.43% |
| OCALA, FL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $7,317 | 7.31% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $9,338 | 6.13% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $6,489 | 7.13% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $6,519 | 7.00% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $7,815 | 7.13% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $27,766 | 9.50% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $5,105 | 7.38% |
| Lawrenceburg, TN (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $14,691 | 9.50% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $15,017 | 6.63% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $12,681 | 7.88% |
| Mountain Home, AR (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $25,181 | 8.75% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $8,681 | 6.38% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $8,219 | 7.38% |
| Searcy, AR (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,179 | 8.50% |
| Vicksburg, MS (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $8,328 | 6.49% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $14,745 | 6.25% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $8,732 | 8.38% |
| Taos, NM (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $8,542 | 7.13% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $11,044 | 6.50% |
| Astoria, OR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $8,201 | 7.99% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,921 | 8.00% |
| Zapata, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $464 | 6.25% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $4,134 | 9.25% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $9,858 | 6.99% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,814 | 7.63% |
| SALEM, OR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,893 | 7.63% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $18,156 | 5.99% |
| Bartlesville, OK (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $4,407 | 7.38% |
| Moscow, ID (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,108 | 7.63% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,280 | 6.25% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $9,261 | 7.13% |
| Washington, NC (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $5,937 | 3.50% |
| Brookhaven, MS (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $5,937 | 7.75% |
| Ponca City, OK (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,971 | 6.62% |
| Elko, NV (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $5,808 | 3.69% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $75 | 7.63% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $14,779 | 6.50% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $22,194 | 6.25% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,017 | 9.50% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,850 | 7.49% |
| Hailey, ID (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,916 | 5.99% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,475 | 7.49% |
| Port Lavaca, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,657 | 6.99% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,397 | 6.49% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $14,077 | 6.49% |
| Hilo, HI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,832 | 7.49% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 6.00% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,360 | 6.13% |
| Sweetwater, TX (FHA|USDA|VA) | 4 | $260,000 | $65,000 | $3,575 | 3.56% |
| El Campo, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,998 | 6.50% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,688 | 7.63% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $10,680 | 6.25% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,542 | 6.49% |
| Minot, ND (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,768 | 6.13% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 3.00% |
| Craig, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $13,999 | 14.50% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,994 | 6.75% |
| Riverton, WY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,952 | 6.13% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,861 | 7.13% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 7.00% |
| Tahlequah, OK (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,141 | 7.50% |
| Hood River, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,532 | 7.13% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,567 | 6.99% |
| Jasper, AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,705 | 10.00% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $11,312 | 6.13% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 7.49% |
| Grants, NM (FHA|USDA|VA) | 3 | $205,000 | $68,333 | $3,184 | 4.13% |
| Magnolia, AR (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $4,418 | 6.50% |
| Arkadelphia, AR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,378 | 7.50% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,170 | 7.38% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,700 | 8.13% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,935 | 7.38% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,371 | 9.50% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,315 | 7.38% |
| Nacogdoches, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,497 | 6.13% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,478 | 7.49% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,903 | 7.13% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,153 | 6.99% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,131 | 6.63% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,874 | 7.75% |
| Snyder, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,037 | 7.13% |
| Bogalusa, LA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,686 | 9.50% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,723 | 6.49% |
| Hobbs, NM (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $2,491 | 4.38% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,998 | 7.12% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,677 | 9.00% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,637 | 6.75% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,585 | 7.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,630 | 7.49% |
| Deming, NM (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,457 | 5.75% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,365 | 6.75% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,503 | 5.75% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,326 | 7.63% |
| Minden, LA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,845 | 6.99% |
| Duncan, OK (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,878 | 7.50% |
| Murray, KY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,941 | 7.13% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,974 | 9.75% |
| McComb, MS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.75% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,095 | 10.50% |
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Product Mix
For 2024, Cornerstone Home Lending's most frequently originated type of loan was Conventional, with 4,744 originations. Their 2nd most popular type was FHA, with 1,505 originations.
Loan Reason
For 2024, Cornerstone Home Lending's most frequently cited loan purpose was Home Purchase, with 6,817 originations. The 2nd most popular reason was Refi, with 201 originations.
Loan Duration/Length
For 2024, Cornerstone Home Lending's most frequently cited loan duration was 30 Year, with 6,743 originations. The 2nd most popular length was 15 Year, with 214 originations.
Origination Fees/Closing Costs
Cornerstone Home Lending's average total fees were $9,861, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 2,657 originations.
Interest Rates
During 2024, Cornerstone Home Lending's average interest rate for loans was 6.44%, while their most frequently originated rate bucket for loans was 6-7%, with 3,603 originations.
Loan Sizing
2024 saw Cornerstone Home Lending place emphasis on $200k-400k loans with 3,283 originations, totaling $989,805,000 in origination value.
Applicant Income
Cornerstone Home Lending lent most frequently to those with incomes in the $100k-150k range, with 1,997 originations. The second most popular income band? $150k-250k, with 1,633 originations.
Applicant Debt to Income Ratio
Cornerstone Home Lending lent most frequently to those with DTI ratios of <20%, with 1,197 originations. The next most common DTI ratio? 30-36%, with 877 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications99.22%
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 origination74.71%
Cornerstone Home Lending has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 7,318 | $2,863,450,000 | $391,289 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 7,318 | $2,863,450,000 | $391,289 |