Cornerstone Home Lending Mortgage Rates, Fees & Info
HOUSTON, TXLEI: 549300CY7WNAHKHYSJ73
Tax ID: 76-0236067
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Mortgage Data
Review & Overview
Cornerstone Home Lending is a mid-sized 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. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Oklahoma City, Seattle, Houston, San Antonio, and Dallas among others. We have data for 259 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.
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 | 6.65% | 11/17/24 |
| 30 Year Conventional Refi | 6.61% | 11/17/24 |
| 30 Year Cash-out Refi | 6.88% | 11/17/24 |
| 30 Year FHA Purchase | 7.44% | 11/17/24 |
| 30 Year FHA Refi | 7.25% | 11/17/24 |
| 30 Year VA Purchase | 6.29% | 11/17/24 |
| 30 Year VA Refi | 6.39% | 11/17/24 |
| 30 Year USDA Purchase | 6.74% | 11/17/24 |
| 30 Year USDA Refi | 6.68% | 11/17/24 |
| 15 Year Conventional Purchase | 6.28% | 11/17/24 |
| 15 Year Conventional Refi | 6.22% | 11/17/24 |
| 15 Year Cash-out Refi | 6.22% | 11/17/24 |
| 15 Year FHA Purchase | 7.86% | 11/17/24 |
| 15 Year VA Purchase | 6.19% | 11/17/24 |
| 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
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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
12,838Origination Dollar Volume (All Markets)
$3,416,550,000Awards
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CORNERSTONE HOME LENDING - 2018
CORNERSTONE HOME LENDING is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1,827 | $352,105,000 | $192,723 | $5,007 | 4.91% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 597 | $272,145,000 | $455,854 | $6,685 | 4.80% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1,001 | $237,005,000 | $236,768 | $6,248 | 4.94% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 879 | $216,895,000 | $246,752 | $7,270 | 4.79% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 491 | $179,415,000 | $365,407 | $6,402 | 4.69% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 608 | $176,170,000 | $289,753 | $6,608 | 4.76% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 421 | $139,715,000 | $331,865 | $4,944 | 4.76% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 551 | $136,315,000 | $247,396 | $6,681 | 4.91% |
| FORT COLLINS, CO (FHA|USDA|VA) | 413 | $126,295,000 | $305,799 | $4,562 | 4.82% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 442 | $115,300,000 | $260,860 | $4,463 | 4.71% |
| Outside of Metro Areas | 478 | $98,020,000 | $205,063 | $4,769 | 4.88% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 182 | $94,830,000 | $521,044 | $6,303 | 4.61% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 283 | $78,405,000 | $277,049 | $5,807 | 4.87% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 206 | $77,810,000 | $377,718 | $4,322 | 4.71% |
| GREELEY, CO (FHA|USDA|VA) | 283 | $77,545,000 | $274,011 | $5,361 | 4.90% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 150 | $76,590,000 | $510,600 | $6,727 | 4.63% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 210 | $53,730,000 | $255,857 | $5,381 | 4.73% |
| Bozeman, MT (FHA|USDA|VA) | 178 | $53,350,000 | $299,719 | $5,623 | 4.79% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 101 | $45,335,000 | $448,861 | $6,325 | 4.68% |
| FARMINGTON, NM (FHA|USDA|VA) | 287 | $44,825,000 | $156,185 | $4,731 | 5.04% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 205 | $41,985,000 | $204,805 | $4,581 | 4.78% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 143 | $38,915,000 | $272,133 | $4,779 | 4.96% |
| TULSA, OK (FHA|USDA|VA) | 199 | $35,965,000 | $180,729 | $5,504 | 4.83% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 120 | $30,490,000 | $254,083 | $4,950 | 4.81% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 143 | $27,675,000 | $193,531 | $7,938 | 5.09% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 154 | $27,080,000 | $175,844 | $4,987 | 5.01% |
| Juneau, AK (FHA|USDA|VA) | 81 | $25,455,000 | $314,259 | $8,186 | 4.65% |
| Steamboat Springs, CO (FHA|USDA|VA) | 57 | $22,655,000 | $397,456 | $3,787 | 4.77% |
| YAKIMA, WA (FHA|USDA|VA) | 99 | $21,435,000 | $216,515 | $5,545 | 5.02% |
| Glenwood Springs, CO (FHA|USDA|VA) | 74 | $21,300,000 | $287,838 | $5,417 | 4.93% |
| YUBA CITY, CA (FHA|USDA|VA) | 69 | $19,505,000 | $282,681 | $5,171 | 4.99% |
| Montrose, CO (FHA|USDA|VA) | 78 | $19,160,000 | $245,641 | $4,204 | 4.94% |
| Ellensburg, WA (FHA|USDA|VA) | 66 | $17,620,000 | $266,970 | $6,271 | 4.96% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 56 | $17,450,000 | $311,607 | $4,859 | 5.05% |
| BOULDER, CO (FHA|USDA|VA) | 50 | $17,390,000 | $347,800 | $4,591 | 4.68% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 78 | $16,980,000 | $217,692 | $4,408 | 4.67% |
| WENATCHEE, WA (FHA|USDA|VA) | 63 | $16,035,000 | $254,524 | $6,221 | 4.83% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 46 | $13,800,000 | $300,000 | $6,333 | 4.75% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 45 | $12,775,000 | $283,889 | $6,652 | 4.65% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 73 | $12,075,000 | $165,411 | $6,088 | 4.89% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 64 | $12,010,000 | $187,656 | $6,057 | 5.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 47 | $11,785,000 | $250,745 | $4,508 | 5.09% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 45 | $11,395,000 | $253,222 | $4,578 | 4.72% |
| PUEBLO, CO (FHA|USDA|VA) | 60 | $10,090,000 | $168,167 | $5,807 | 4.84% |
| Oak Harbor, WA (FHA|USDA|VA) | 29 | $9,685,000 | $333,966 | $7,584 | 4.48% |
| JACKSON, MS (FHA|USDA|VA) | 42 | $8,910,000 | $212,143 | $5,774 | 5.11% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 25 | $7,825,000 | $313,000 | $5,999 | 4.81% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 41 | $7,205,000 | $175,732 | $4,095 | 5.12% |
| Heber, UT (FHA|USDA|VA) | 14 | $6,640,000 | $474,286 | $4,908 | 4.55% |
| LONGVIEW, TX (FHA|USDA|VA) | 25 | $6,195,000 | $247,800 | $3,958 | 4.59% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 40 | $5,460,000 | $136,500 | $4,248 | 5.11% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 11 | $5,305,000 | $482,273 | $9,533 | 4.72% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 18 | $5,090,000 | $282,778 | $5,943 | 4.99% |
| EL PASO, TX (FHA|USDA|VA) | 23 | $5,025,000 | $218,478 | $5,988 | 4.49% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 15 | $4,985,000 | $332,333 | $5,789 | 4.75% |
| LAS CRUCES, NM (FHA|USDA|VA) | 25 | $4,755,000 | $190,200 | $4,521 | 4.87% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 29 | $4,725,000 | $162,931 | $2,849 | 4.54% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 23 | $4,725,000 | $205,435 | $5,424 | 5.05% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 8 | $4,680,000 | $585,000 | $7,596 | 4.53% |
| Durango, CO (FHA|USDA|VA) | 17 | $4,635,000 | $272,647 | $3,810 | 4.81% |
| McAlester, OK (FHA|USDA|VA) | 14 | $4,230,000 | $302,143 | $5,113 | 4.70% |
| TYLER, TX (FHA|USDA|VA) | 16 | $4,160,000 | $260,000 | $3,161 | 4.70% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 11 | $4,045,000 | $367,727 | $6,584 | 4.72% |
| Alice, TX (FHA|USDA|VA) | 14 | $3,380,000 | $241,429 | $7,337 | 5.00% |
| Elizabeth City, NC (FHA|USDA|VA) | 18 | $3,340,000 | $185,556 | $4,682 | 4.87% |
| CHEYENNE, WY (FHA|USDA|VA) | 12 | $3,290,000 | $274,167 | $5,070 | 4.89% |
| Brenham, TX (FHA|USDA|VA) | 13 | $3,285,000 | $252,692 | $4,568 | 4.50% |
| CHICO, CA (FHA|USDA|VA) | 13 | $3,235,000 | $248,846 | $5,442 | 5.14% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 9 | $3,225,000 | $358,333 | $7,092 | 4.94% |
| WACO, TX (FHA|USDA|VA) | 19 | $3,105,000 | $163,421 | $4,698 | 4.81% |
| Edwards, CO (FHA|USDA|VA) | 6 | $2,990,000 | $498,333 | $5,000 | 4.40% |
| PROVO-OREM, UT (FHA|USDA|VA) | 10 | $2,970,000 | $297,000 | $3,848 | 4.89% |
| Kerrville, TX (FHA|USDA|VA) | 10 | $2,890,000 | $289,000 | $4,994 | 4.45% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 13 | $2,805,000 | $215,769 | $3,077 | 4.60% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 12 | $2,800,000 | $233,333 | $4,549 | 4.54% |
| Shawnee, OK (FHA|USDA|VA) | 17 | $2,755,000 | $162,059 | $4,789 | 5.07% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 8 | $2,670,000 | $333,750 | $5,526 | 4.56% |
| MIDLAND, TX (FHA|USDA|VA) | 9 | $2,635,000 | $292,778 | $5,132 | 4.90% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 14 | $2,620,000 | $187,143 | $4,110 | 4.76% |
| SANTA FE, NM (FHA|USDA|VA) | 6 | $2,520,000 | $420,000 | $4,395 | 4.79% |
| BELLINGHAM, WA (FHA|USDA|VA) | 9 | $2,425,000 | $269,444 | $5,703 | 4.63% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 9 | $2,385,000 | $265,000 | $7,161 | 5.00% |
| SAN ANGELO, TX (FHA|USDA|VA) | 10 | $2,130,000 | $213,000 | $3,517 | 4.73% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 7 | $2,095,000 | $299,286 | $7,297 | 4.79% |
| Blackfoot, ID (FHA|USDA|VA) | 14 | $1,900,000 | $135,714 | $5,844 | 4.94% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 12 | $1,870,000 | $155,833 | $4,273 | 4.98% |
| Ponca City, OK (FHA|USDA|VA) | 12 | $1,860,000 | $155,000 | $5,071 | 5.48% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 7 | $1,845,000 | $263,571 | $7,000 | 4.70% |
| ANCHORAGE, AK (FHA|USDA|VA) | 7 | $1,705,000 | $243,571 | $8,122 | 5.02% |
| MANHATTAN, KS (FHA|USDA|VA) | 8 | $1,700,000 | $212,500 | $4,505 | 4.00% |
| Albemarle, NC (FHA|USDA|VA) | 8 | $1,690,000 | $211,250 | $3,611 | 4.91% |
| WILMINGTON, NC (FHA|USDA|VA) | 6 | $1,640,000 | $273,333 | $4,268 | 4.77% |
| BOISE CITY, ID (FHA|USDA|VA) | 7 | $1,605,000 | $229,286 | $5,741 | 4.84% |
| Breckenridge, CO (FHA|USDA|VA) | 5 | $1,545,000 | $309,000 | $3,366 | 4.88% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 8 | $1,490,000 | $186,250 | $5,646 | 5.11% |
| ST. GEORGE, UT (FHA|USDA|VA) | 5 | $1,395,000 | $279,000 | $4,476 | 4.73% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 5 | $1,385,000 | $277,000 | $6,752 | 5.28% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 4 | $1,350,000 | $337,500 | $1,826 | 4.44% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 3 | $1,315,000 | $438,333 | $5,179 | 4.67% |
| Stillwater, OK (FHA|USDA|VA) | 6 | $1,310,000 | $218,333 | $4,704 | 4.58% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 6 | $1,280,000 | $213,333 | $7,439 | 5.02% |
| TUCSON, AZ (FHA|USDA|VA) | 5 | $1,265,000 | $253,000 | $5,030 | 5.43% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $5,562 | 5.03% |
| Helena, MT (FHA|USDA|VA) | 6 | $1,190,000 | $198,333 | $5,900 | 4.71% |
| Gainesville, TX (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $4,556 | 4.53% |
| Wilson, NC (FHA|USDA|VA) | 7 | $1,055,000 | $150,714 | $4,822 | 4.23% |
| ABILENE, TX (FHA|USDA|VA) | 2 | $1,050,000 | $525,000 | $9,416 | 4.38% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $4,679 | 4.78% |
| JOPLIN, MO (FHA|USDA|VA) | 6 | $1,010,000 | $168,333 | $2,340 | 4.33% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $4,726 | 5.09% |
| Moses Lake, WA (FHA|USDA|VA) | 5 | $975,000 | $195,000 | $7,058 | 4.72% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $6,858 | 4.54% |
| ENID, OK (FHA|USDA|VA) | 6 | $950,000 | $158,333 | $5,518 | 4.79% |
| Shelton, WA (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $8,981 | 5.04% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $4,439 | 4.81% |
| LUBBOCK, TX (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $3,913 | 4.84% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $7,266 | 4.79% |
| GOLDSBORO, NC (FHA|USDA|VA) | 6 | $930,000 | $155,000 | $5,540 | 5.31% |
| MISSOULA, MT (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $5,299 | 4.75% |
| POCATELLO, ID (FHA|USDA|VA) | 6 | $870,000 | $145,000 | $5,595 | 5.03% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 6 | $840,000 | $140,000 | $2,867 | 4.83% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $4,722 | 4.69% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $4,993 | 4.79% |
| LAREDO, TX (FHA|USDA|VA) | 5 | $795,000 | $159,000 | $6,307 | 4.78% |
| Rockport, TX (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $5,834 | 4.46% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $5,234 | 4.83% |
| LOGAN, UT-ID (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $5,775 | 4.63% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $3,143 | 4.81% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $4,540 | 4.92% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $11 | 4.75% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $5,203 | 4.88% |
| Deming, NM (FHA|USDA|VA) | 7 | $755,000 | $107,857 | $4,161 | 4.98% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $4,167 | 5.09% |
| BEND, OR (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $6,161 | 4.50% |
| Lebanon, MO (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $2,480 | 4.53% |
| NAPA, CA (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $0 | 4.88% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 5 | $675,000 | $135,000 | $7,942 | 5.15% |
| El Campo, TX (FHA|USDA|VA) | 5 | $665,000 | $133,000 | $4,108 | 4.80% |
| BILLINGS, MT (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $7,225 | 4.83% |
| Hailey, ID (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $6,998 | 4.75% |
| PINE BLUFF, AR (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $5,579 | 4.84% |
| HATTIESBURG, MS (FHA|USDA|VA) | 5 | $635,000 | $127,000 | $5,516 | 5.40% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $5,242 | 4.83% |
| Uvalde, TX (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $5,216 | 4.84% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $7,448 | 4.25% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 6 | $580,000 | $96,667 | $3,591 | 5.83% |
| Los Alamos, NM (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $5,226 | 4.94% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $13,312 | 5.13% |
| Russellville, AR (FHA|USDA|VA) | 5 | $565,000 | $113,000 | $4,553 | 4.98% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $5,042 | 4.31% |
| Morehead City, NC (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $5,339 | 4.63% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $3,909 | 5.09% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $3,420 | 4.25% |
| Show Low, AZ (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $5,700 | 4.88% |
| Silver City, NM (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $5,841 | 4.06% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 5 | $495,000 | $99,000 | $9,925 | 5.50% |
| BURLINGTON, NC (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $5,002 | 4.67% |
| Centralia, WA (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $5,375 | 5.17% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $6,122 | 4.75% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,450 | 5.13% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 4.63% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $5,891 | 4.75% |
| DOVER, DE (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $5,748 | 5.13% |
| Boone, NC (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,037 | 4.63% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $2,804 | 5.25% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $8,576 | 3.88% |
| Hood River, OR (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,602 | 4.38% |
| Sheridan, WY (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,900 | 4.69% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 4.75% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $14,152 | 4.50% |
| Rexburg, ID (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $6,064 | 4.63% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,007 | 5.50% |
| Rio Grande City-Roma, TX (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $11,511 | 5.00% |
| MADISON, WI (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,437 | 4.81% |
| ODESSA, TX (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $5,270 | 5.25% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,338 | 4.75% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $7,214 | 4.75% |
| Aberdeen, WA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,754 | 4.56% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $13,122 | 4.75% |
| Elk City, OK (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,139 | 4.88% |
| Sanford, NC (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $4,115 | 5.31% |
| Stephenville, TX (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $6,312 | 5.25% |
| TOPEKA, KS (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $5,343 | 4.31% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,879 | 4.88% |
| Weatherford, OK (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,519 | 4.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,974 | 4.00% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,659 | 4.88% |
| Gallup, NM (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,947 | 4.94% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $11,347 | 4.75% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 3 | $305,000 | $101,667 | $2,692 | 5.75% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,494 | 5.13% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $7,484 | 4.75% |
| Cañon City, CO (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $6,175 | 5.13% |
| Palatka, FL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $7,081 | 5.19% |
| FAIRBANKS, AK (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 5.81% |
| Nacogdoches, TX (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $3,477 | 4.88% |
| Searcy, AR (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,397 | 4.38% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,127 | 5.75% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,090 | 4.75% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,492 | 5.25% |
| Muskogee, OK (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,837 | 4.75% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,197 | 4.75% |
| Bay City, TX (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $5,324 | 4.88% |
| Beeville, TX (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $6,366 | 5.31% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,570 | 4.25% |
| CASPER, WY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,363 | 4.63% |
| Vicksburg, MS (FHA|USDA|VA) | 3 | $235,000 | $78,333 | $4,061 | 5.33% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,195 | 5.00% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,857 | 4.75% |
| Granbury, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,372 | 4.13% |
| Malvern, AR (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $4,116 | 5.06% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 5.38% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,077 | 4.50% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $4,683 | 5.56% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,275 | 4.13% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,486 | 4.88% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,254 | 4.50% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,413 | 5.00% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,129 | 4.88% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,755 | 5.38% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,696 | 5.75% |
| Arkadelphia, AR (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $5,122 | 5.06% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,240 | 5.63% |
| Palestine, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,865 | 5.00% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,019 | 4.75% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,789 | 5.13% |
| Port Lavaca, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,280 | 4.88% |
| Newport, OR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,152 | 5.13% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,426 | 5.38% |
| Duncan, OK (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,716 | 4.75% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,271 | 4.88% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 4.63% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,432 | 4.88% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,986 | 5.38% |
| Ada, OK (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,551 | 5.13% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,346 | 4.88% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,531 | 5.00% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,463 | 4.88% |
| Burley, ID (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 5.88% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,811 | 4.75% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,672 | 4.25% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,124 | 5.75% |
| Shelby, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,252 | 4.88% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,489 | 5.38% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,405 | 4.75% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,331 | 4.38% |
| Natchez, MS-LA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,203 | 4.25% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,587 | 4.75% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,036 | 4.88% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,786 | 5.13% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,961 | 5.63% |
| Kingsville, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,183 | 5.25% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,820 | 4.50% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $595 | 5.38% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,100 | 5.13% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.50% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,989 | 5.00% |
| North Platte, NE (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.75% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.88% |
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Product Mix
For 2018, Cornerstone Home Lending's most frequently originated type of loan was Conventional, with 8,768 originations. Their 2nd most popular type was FHA, with 2,451 originations.
Loan Reason
For 2018, Cornerstone Home Lending's most frequently cited loan purpose was Home Purchase, with 11,409 originations. The 2nd most popular reason was Cash Out Refi, with 844 originations.
Loan Duration/Length
For 2018, Cornerstone Home Lending's most frequently cited loan duration was 30 Year, with 12,163 originations. The 2nd most popular length was 15 Year, with 392 originations.
Origination Fees/Closing Costs
Cornerstone Home Lending's average total fees were $5,723, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 6,948 originations.
Interest Rates
During 2018, Cornerstone Home Lending's average interest rate for loans was 4.86%, while their most frequently originated rate bucket for loans was 4-5%, with 8,539 originations.
Loan Sizing
2018 saw Cornerstone Home Lending place emphasis on $200k-400k loans with 6,027 originations, totaling $1,679,155,000 in origination value.
Applicant Income
Cornerstone Home Lending lent most frequently to those with incomes in the $50k-75k range, with 3,369 originations. The second most popular income band? $100k-150k, with 2,786 originations.
Applicant Debt to Income Ratio
Cornerstone Home Lending lent most frequently to those with DTI ratios of 30-36%, with 2,095 originations. The next most common DTI ratio? 20-30%, with 1,892 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.27%
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 origination79.17%
Cornerstone Home Lending has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 12,838 | $3,416,550,000 | $266,128 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 129 | $22,055,000 | $170,969 |
| Single Family (1-4 Units):Site-Built | 12,709 | $3,394,495,000 | $267,094 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Cornerstone Home Lending Inc. | Conventional home mortgage | Closing on a mortgage | 2 | 12.5% |
| Cornerstone Home Lending Inc. | Conventional home mortgage | Struggling to pay mortgage | 1 | 6.3% |
| Cornerstone Home Lending Inc. | Conventional home mortgage | Trouble during payment process | 9 | 56.3% |
| Cornerstone Home Lending Inc. | FHA mortgage | Closing on a mortgage | 1 | 6.3% |
| Cornerstone Home Lending Inc. | FHA mortgage | Struggling to pay mortgage | 1 | 6.3% |
| Cornerstone Home Lending Inc. | FHA mortgage | Trouble during payment process | 2 | 12.5% |