Cornerstone Home Lending Mortgage Rates, Fees & Info

HOUSTON, TX

LEI: 549300CY7WNAHKHYSJ73

Tax ID: 76-0236067

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Mortgage Data

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 Austin among others. We have data for 349 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% 3/28/24
30 Year Conventional Refi 6.61% 3/28/24
30 Year Cash-out Refi 6.88% 3/28/24
30 Year FHA Purchase 7.44% 3/28/24
30 Year FHA Refi 7.25% 3/28/24
30 Year VA Purchase 6.29% 3/28/24
30 Year VA Refi 6.39% 3/28/24
30 Year USDA Purchase 6.74% 3/28/24
30 Year USDA Refi 6.68% 3/28/24
15 Year Conventional Purchase 6.28% 3/28/24
15 Year Conventional Refi 6.22% 3/28/24
15 Year Cash-out Refi 6.22% 3/28/24
15 Year FHA Purchase 7.86% 3/28/24
15 Year VA Purchase 6.19% 3/28/24
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






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

36,540

Origination Dollar Volume (All Markets)

$11,302,500,000
Show all (38) awards

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) 3,268 $1,558,850,000 $477,004 $5,832 3.16%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 4,590 $1,203,770,000 $262,259 $6,299 3.02%
OKLAHOMA CITY, OK (FHA|USDA|VA) 3,347 $777,665,000 $232,347 $5,265 3.14%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1,757 $629,225,000 $358,125 $6,063 3.12%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1,900 $596,850,000 $314,132 $7,416 3.03%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2,020 $523,580,000 $259,198 $7,152 2.94%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1,082 $392,210,000 $362,486 $4,464 3.26%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 705 $366,185,000 $519,411 $6,059 3.13%
Outside of Metro Areas 1,426 $350,010,000 $245,449 $5,021 3.25%
FORT COLLINS, CO (FHA|USDA|VA) 1,001 $323,435,000 $323,112 $4,390 3.21%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 564 $283,400,000 $502,482 $5,912 3.07%
RALEIGH-CARY, NC (FHA|USDA|VA) 956 $266,860,000 $279,142 $4,150 3.12%
GREELEY, CO (FHA|USDA|VA) 700 $215,870,000 $308,386 $5,675 3.25%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 690 $194,080,000 $281,275 $5,005 3.19%
Bozeman, MT (FHA|USDA|VA) 562 $191,900,000 $341,459 $5,522 3.19%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 613 $185,965,000 $303,369 $5,228 3.28%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 529 $163,475,000 $309,026 $6,247 3.18%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 299 $140,615,000 $470,284 $4,652 3.31%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 358 $130,660,000 $364,972 $6,647 3.10%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 358 $130,550,000 $364,665 $7,484 3.13%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 492 $115,050,000 $233,841 $4,255 3.11%
COLORADO SPRINGS, CO (FHA|USDA|VA) 338 $107,820,000 $318,994 $5,251 3.25%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 171 $93,825,000 $548,684 $7,218 3.08%
TULSA, OK (FHA|USDA|VA) 399 $89,215,000 $223,596 $5,694 3.15%
FAYETTEVILLE, NC (FHA|USDA|VA) 428 $84,520,000 $197,477 $4,670 3.09%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 270 $80,340,000 $297,556 $4,908 3.21%
Montrose, CO (FHA|USDA|VA) 265 $76,975,000 $290,472 $4,419 3.25%
Glenwood Springs, CO (FHA|USDA|VA) 219 $74,395,000 $339,703 $4,647 3.30%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 310 $65,900,000 $212,581 $5,454 3.24%
MADISON, WI (FHA|USDA|VA) 248 $65,830,000 $265,444 $3,597 3.21%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 318 $64,340,000 $202,327 $8,097 3.20%
BILLINGS, MT (FHA|USDA|VA) 235 $59,825,000 $254,574 $7,010 3.07%
Steamboat Springs, CO (FHA|USDA|VA) 152 $59,640,000 $392,368 $4,281 3.18%
Ellensburg, WA (FHA|USDA|VA) 180 $57,090,000 $317,167 $6,823 3.24%
BOULDER, CO (FHA|USDA|VA) 141 $56,785,000 $402,730 $4,273 3.14%
YUBA CITY, CA (FHA|USDA|VA) 187 $53,315,000 $285,107 $5,672 3.14%
BAKERSFIELD, CA (FHA|USDA|VA) 213 $51,135,000 $240,070 $5,923 3.18%
YAKIMA, WA (FHA|USDA|VA) 188 $49,210,000 $261,755 $6,454 3.40%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 156 $48,250,000 $309,295 $6,527 3.09%
Juneau, AK (FHA|USDA|VA) 127 $45,945,000 $361,772 $7,890 3.11%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 229 $43,485,000 $189,891 $5,315 3.18%
GOLDSBORO, NC (FHA|USDA|VA) 192 $38,740,000 $201,771 $5,254 3.04%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 114 $34,200,000 $300,000 $5,389 3.20%
Breckenridge, CO (FHA|USDA|VA) 83 $34,025,000 $409,940 $4,450 3.09%
SALT LAKE CITY, UT (FHA|USDA|VA) 95 $33,595,000 $353,632 $5,502 3.12%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 71 $32,425,000 $456,690 $5,815 3.13%
FAIRBANKS, AK (FHA|USDA|VA) 110 $31,890,000 $289,909 $5,550 3.09%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 106 $31,190,000 $294,245 $7,025 3.19%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 88 $30,090,000 $341,932 $5,823 3.16%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 111 $29,645,000 $267,072 $3,863 3.13%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 98 $27,320,000 $278,776 $6,189 2.96%
WENATCHEE, WA (FHA|USDA|VA) 82 $26,440,000 $322,439 $6,410 3.29%
Kerrville, TX (FHA|USDA|VA) 82 $23,780,000 $290,000 $4,684 3.20%
CHEYENNE, WY (FHA|USDA|VA) 84 $22,880,000 $272,381 $5,356 3.08%
WILMINGTON, NC (FHA|USDA|VA) 83 $22,795,000 $274,639 $4,015 2.98%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 91 $22,555,000 $247,857 $6,288 3.28%
SPRINGFIELD, MO (FHA|USDA|VA) 117 $22,375,000 $191,239 $2,675 3.15%
JACKSONVILLE, FL (FHA|USDA|VA) 71 $21,585,000 $304,014 $5,246 3.39%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 70 $21,070,000 $301,000 $6,720 3.36%
WACO, TX (FHA|USDA|VA) 113 $20,225,000 $178,982 $4,749 2.96%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 54 $19,850,000 $367,593 $6,190 3.28%
CORPUS CHRISTI, TX (FHA|USDA|VA) 89 $18,995,000 $213,427 $6,884 3.18%
LAS CRUCES, NM (FHA|USDA|VA) 82 $18,640,000 $227,317 $3,631 3.21%
Oak Harbor, WA (FHA|USDA|VA) 52 $18,360,000 $353,077 $6,261 2.97%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 46 $17,690,000 $384,565 $6,487 2.99%
Brenham, TX (FHA|USDA|VA) 57 $14,815,000 $259,912 $4,784 3.11%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 37 $14,745,000 $398,514 $6,114 3.13%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 46 $14,200,000 $308,696 $5,228 2.97%
JACKSON, MS (FHA|USDA|VA) 72 $13,930,000 $193,472 $6,893 3.47%
PUEBLO, CO (FHA|USDA|VA) 52 $12,340,000 $237,308 $5,609 3.15%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 44 $11,910,000 $270,682 $4,982 3.01%
PROVO-OREM, UT (FHA|USDA|VA) 36 $11,780,000 $327,222 $6,363 3.16%
Elizabeth City, NC (FHA|USDA|VA) 48 $11,470,000 $238,958 $5,186 3.06%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 38 $10,740,000 $282,632 $6,350 3.36%
Durango, CO (FHA|USDA|VA) 40 $10,450,000 $261,250 $3,617 3.34%
Edwards, CO (FHA|USDA|VA) 23 $10,395,000 $451,957 $4,928 2.99%
GRAND JUNCTION, CO (FHA|USDA|VA) 39 $10,165,000 $260,641 $5,140 3.36%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 20 $9,250,000 $462,500 $6,232 3.07%
Outside of Metro Areas 28 $9,140,000 $326,429 $5,463 3.32%
McAlester, OK (FHA|USDA|VA) 26 $8,910,000 $342,692 $4,759 2.93%
FARMINGTON, NM (FHA|USDA|VA) 39 $8,755,000 $224,487 $4,421 3.33%
Shelton, WA (FHA|USDA|VA) 26 $8,580,000 $330,000 $6,142 3.22%
BELLINGHAM, WA (FHA|USDA|VA) 24 $8,270,000 $344,583 $5,793 2.95%
CHICO, CA (FHA|USDA|VA) 30 $8,100,000 $270,000 $7,032 3.17%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 34 $8,080,000 $237,647 $5,528 3.19%
NEW BERN, NC (FHA|USDA|VA) 43 $7,845,000 $182,442 $3,392 3.18%
LONGVIEW, TX (FHA|USDA|VA) 36 $7,560,000 $210,000 $4,548 3.59%
TEXARKANA, TX-AR (FHA|USDA|VA) 31 $7,255,000 $234,032 $3,531 3.23%
Shawnee, OK (FHA|USDA|VA) 35 $7,165,000 $204,714 $5,377 3.16%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 24 $7,010,000 $292,083 $5,400 3.01%
ANCHORAGE, AK (FHA|USDA|VA) 24 $6,880,000 $286,667 $5,477 2.92%
TYLER, TX (FHA|USDA|VA) 26 $6,760,000 $260,000 $3,876 3.44%
Athens, TX (FHA|USDA|VA) 18 $6,250,000 $347,222 $5,399 3.08%
Albemarle, NC (FHA|USDA|VA) 26 $5,830,000 $224,231 $5,287 3.37%
Fredericksburg, TX (FHA|USDA|VA) 14 $5,650,000 $403,571 $8,048 3.09%
APPLETON, WI (FHA|USDA|VA) 32 $5,310,000 $165,938 $3,085 3.34%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 15 $5,145,000 $343,000 $5,721 3.08%
MIDLAND, TX (FHA|USDA|VA) 17 $4,925,000 $289,706 $6,578 2.85%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 9 $4,815,000 $535,000 $6,207 3.10%
JACKSONVILLE, NC (FHA|USDA|VA) 17 $4,745,000 $279,118 $6,523 2.84%
KANSAS CITY, MO-KS (FHA|USDA|VA) 15 $4,705,000 $313,667 $3,415 3.35%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 18 $4,690,000 $260,556 $5,961 3.06%
JOPLIN, MO (FHA|USDA|VA) 23 $4,635,000 $201,522 $2,933 3.05%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 23 $4,475,000 $194,565 $7,282 3.32%
ROCKY MOUNT, NC (FHA|USDA|VA) 25 $4,425,000 $177,000 $5,340 3.39%
Moses Lake, WA (FHA|USDA|VA) 14 $4,380,000 $312,857 $6,497 2.98%
Lebanon, MO (FHA|USDA|VA) 25 $4,265,000 $170,600 $2,943 3.06%
Fort Morgan, CO (FHA|USDA|VA) 16 $4,210,000 $263,125 $5,501 3.23%
Huntsville, TX (FHA|USDA|VA) 13 $4,185,000 $321,923 $4,727 3.46%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 21 $4,185,000 $199,286 $5,665 3.29%
BEND, OR (FHA|USDA|VA) 11 $4,145,000 $376,818 $4,983 3.35%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 24 $4,080,000 $170,000 $4,684 3.30%
Morehead City, NC (FHA|USDA|VA) 18 $4,030,000 $223,889 $3,212 3.24%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 14 $3,970,000 $283,571 $6,312 3.20%
STOCKTON, CA (FHA|USDA|VA) 12 $3,840,000 $320,000 $5,233 3.06%
SAN ANGELO, TX (FHA|USDA|VA) 17 $3,605,000 $212,059 $4,357 3.21%
Rockport, TX (FHA|USDA|VA) 13 $3,595,000 $276,538 $6,968 3.13%
VALLEJO, CA (FHA|USDA|VA) 9 $3,585,000 $398,333 $6,849 2.64%
Helena, MT (FHA|USDA|VA) 12 $3,580,000 $298,333 $6,293 3.32%
ST. GEORGE, UT (FHA|USDA|VA) 10 $3,570,000 $357,000 $4,999 3.16%
Kalispell, MT (FHA|USDA|VA) 10 $3,460,000 $346,000 $5,638 3.24%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 13 $3,435,000 $264,231 $3,895 3.08%
PORT ST. LUCIE, FL (FHA|USDA|VA) 14 $3,380,000 $241,429 $7,521 3.36%
Gainesville, TX (FHA|USDA|VA) 9 $3,355,000 $372,778 $5,358 3.33%
Sanford, NC (FHA|USDA|VA) 15 $3,315,000 $221,000 $5,240 3.27%
FORT SMITH, AR-OK (FHA|USDA|VA) 14 $3,150,000 $225,000 $3,189 3.31%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 8 $3,130,000 $391,250 $7,122 3.00%
Manitowoc, WI (FHA|USDA|VA) 15 $3,005,000 $200,333 $3,416 3.36%
SHERMAN-DENISON, TX (FHA|USDA|VA) 13 $2,895,000 $222,692 $5,120 3.66%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 14 $2,870,000 $205,000 $4,580 3.42%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 11 $2,845,000 $258,636 $5,224 3.25%
Aberdeen, WA (FHA|USDA|VA) 11 $2,835,000 $257,727 $6,320 3.60%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 9 $2,835,000 $315,000 $5,361 3.05%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 6 $2,810,000 $468,333 $6,596 3.23%
HOT SPRINGS, AR (FHA|USDA|VA) 14 $2,780,000 $198,571 $6,267 3.31%
ENID, OK (FHA|USDA|VA) 9 $2,685,000 $298,333 $6,297 3.04%
GREEN BAY, WI (FHA|USDA|VA) 11 $2,645,000 $240,455 $3,959 2.88%
MISSOULA, MT (FHA|USDA|VA) 9 $2,585,000 $287,222 $6,609 3.22%
BOISE CITY, ID (FHA|USDA|VA) 8 $2,580,000 $322,500 $5,530 3.09%
Truckee-Grass Valley, CA (FHA|USDA|VA) 8 $2,580,000 $322,500 $6,641 3.14%
CaƱon City, CO (FHA|USDA|VA) 9 $2,565,000 $285,000 $5,670 3.19%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 9 $2,565,000 $285,000 $5,747 3.12%
EL PASO, TX (FHA|USDA|VA) 13 $2,525,000 $194,231 $5,979 2.85%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 8 $2,480,000 $310,000 $3,731 3.42%
Wilson, NC (FHA|USDA|VA) 15 $2,435,000 $162,333 $4,190 3.33%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 7 $2,425,000 $346,429 $6,415 3.09%
TUCSON, AZ (FHA|USDA|VA) 11 $2,415,000 $219,545 $4,268 3.11%
SALISBURY, MD-DE (FHA|USDA|VA) 8 $2,410,000 $301,250 $3,919 2.94%
Port Angeles, WA (FHA|USDA|VA) 10 $2,350,000 $235,000 $3,537 3.01%
Heber, UT (FHA|USDA|VA) 5 $2,325,000 $465,000 $5,519 3.18%
Lumberton, NC (FHA|USDA|VA) 13 $2,305,000 $177,308 $4,522 3.25%
SPARTANBURG, SC (FHA|USDA|VA) 9 $2,255,000 $250,556 $4,350 2.97%
Ponca City, OK (FHA|USDA|VA) 17 $2,245,000 $132,059 $5,562 3.48%
Key West, FL (FHA|USDA|VA) 5 $2,235,000 $447,000 $4,913 3.10%
AMARILLO, TX (FHA|USDA|VA) 8 $2,190,000 $273,750 $5,153 3.06%
ASHEVILLE, NC (FHA|USDA|VA) 8 $2,180,000 $272,500 $6,348 3.02%
SALINAS, CA (FHA|USDA|VA) 4 $2,120,000 $530,000 $4,212 3.56%
VICTORIA, TX (FHA|USDA|VA) 8 $2,090,000 $261,250 $7,654 3.25%
Russellville, AR (FHA|USDA|VA) 15 $2,065,000 $137,667 $3,519 3.41%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 7 $2,005,000 $286,429 $8,068 3.04%
SANTA FE, NM (FHA|USDA|VA) 5 $1,995,000 $399,000 $4,368 3.13%
SALEM, OR (FHA|USDA|VA) 7 $1,955,000 $279,286 $4,614 3.25%
GREENVILLE, NC (FHA|USDA|VA) 12 $1,940,000 $161,667 $4,995 3.27%
FLAGSTAFF, AZ (FHA|USDA|VA) 4 $1,930,000 $482,500 $6,634 2.87%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 4 $1,890,000 $472,500 $5,938 3.12%
COLUMBIA, SC (FHA|USDA|VA) 8 $1,850,000 $231,250 $3,344 3.25%
Alice, TX (FHA|USDA|VA) 8 $1,830,000 $228,750 $7,656 2.83%
WINSTON-SALEM, NC (FHA|USDA|VA) 9 $1,755,000 $195,000 $5,646 3.01%
Laramie, WY (FHA|USDA|VA) 6 $1,710,000 $285,000 $7,629 3.21%
FRESNO, CA (FHA|USDA|VA) 5 $1,705,000 $341,000 $4,832 2.85%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $1,655,000 $331,000 $5,384 3.25%
Kill Devil Hills, NC (FHA|USDA|VA) 6 $1,640,000 $273,333 $3,345 3.27%
ABILENE, TX (FHA|USDA|VA) 7 $1,625,000 $232,143 $5,342 3.09%
LOGAN, UT-ID (FHA|USDA|VA) 6 $1,600,000 $266,667 $4,857 3.19%
ALBUQUERQUE, NM (FHA|USDA|VA) 8 $1,560,000 $195,000 $4,364 3.20%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 5 $1,485,000 $297,000 $2,566 3.40%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 10 $1,480,000 $148,000 $2,840 3.16%
FOND DU LAC, WI (FHA|USDA|VA) 12 $1,390,000 $115,833 $2,775 3.60%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 4 $1,380,000 $345,000 $4,672 3.25%
MODESTO, CA (FHA|USDA|VA) 4 $1,350,000 $337,500 $7,524 3.38%
Rexburg, ID (FHA|USDA|VA) 4 $1,340,000 $335,000 $5,112 2.88%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $1,335,000 $445,000 $5,582 3.13%
Corsicana, TX (FHA|USDA|VA) 3 $1,325,000 $441,667 $7,680 3.00%
Granbury, TX (FHA|USDA|VA) 5 $1,315,000 $263,000 $5,915 3.15%
PINE BLUFF, AR (FHA|USDA|VA) 6 $1,300,000 $216,667 $6,559 2.88%
El Campo, TX (FHA|USDA|VA) 10 $1,280,000 $128,000 $5,413 2.41%
HATTIESBURG, MS (FHA|USDA|VA) 6 $1,270,000 $211,667 $6,023 3.04%
LONGVIEW, WA (FHA|USDA|VA) 4 $1,240,000 $310,000 $3,238 3.91%
Beeville, TX (FHA|USDA|VA) 6 $1,190,000 $198,333 $6,546 3.27%
LUBBOCK, TX (FHA|USDA|VA) 6 $1,180,000 $196,667 $3,677 3.23%
LYNCHBURG, VA (FHA|USDA|VA) 3 $1,145,000 $381,667 $3,366 3.50%
MANHATTAN, KS (FHA|USDA|VA) 4 $1,120,000 $280,000 $4,138 3.00%
Muskogee, OK (FHA|USDA|VA) 7 $1,095,000 $156,429 $5,214 3.18%
ST. LOUIS, MO-IL (FHA|USDA|VA) 7 $1,055,000 $150,714 $2,922 3.80%
Port Lavaca, TX (FHA|USDA|VA) 3 $1,045,000 $348,333 $5,052 2.92%
Sevierville, TN (FHA|USDA|VA) 3 $1,045,000 $348,333 $5,329 3.63%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 2 $1,030,000 $515,000 $6,044 3.13%
Centralia, WA (FHA|USDA|VA) 4 $1,020,000 $255,000 $7,038 3.25%
NAPA, CA (FHA|USDA|VA) 2 $1,010,000 $505,000 $3,732 3.44%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $1,000,000 $500,000 $8,944 3.00%
Georgetown, SC (FHA|USDA|VA) 2 $980,000 $490,000 $3,736 3.00%
CORVALLIS, OR (FHA|USDA|VA) 2 $950,000 $475,000 $11,800 2.88%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 4 $950,000 $237,500 $3,155 2.81%
BURLINGTON, NC (FHA|USDA|VA) 5 $925,000 $185,000 $3,682 3.03%
Weatherford, OK (FHA|USDA|VA) 3 $925,000 $308,333 $5,112 3.29%
Payson, AZ (FHA|USDA|VA) 4 $910,000 $227,500 $5,134 3.28%
Deming, NM (FHA|USDA|VA) 6 $850,000 $141,667 $4,917 3.46%
Malvern, AR (FHA|USDA|VA) 6 $840,000 $140,000 $5,600 3.33%
Sandpoint, ID (FHA|USDA|VA) 3 $825,000 $275,000 $5,838 4.04%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 4 $820,000 $205,000 $3,542 3.13%
MEDFORD, OR (FHA|USDA|VA) 2 $810,000 $405,000 $6,007 2.81%
Ketchikan, AK (FHA|USDA|VA) 3 $775,000 $258,333 $8,467 2.88%
WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $760,000 $380,000 $4,647 2.94%
Mount Airy, NC (FHA|USDA|VA) 3 $755,000 $251,667 $3,369 3.33%
JONESBORO, AR (FHA|USDA|VA) 1 $745,000 $745,000 $8,813 3.75%
RICHMOND, VA (FHA|USDA|VA) 3 $745,000 $248,333 $6,230 3.25%
RENO, NV (FHA|USDA|VA) 2 $730,000 $365,000 $4,013 2.88%
Washington, NC (FHA|USDA|VA) 3 $725,000 $241,667 $5,083 3.29%
ODESSA, TX (FHA|USDA|VA) 3 $715,000 $238,333 $5,868 2.92%
Altus, OK (FHA|USDA|VA) 3 $715,000 $238,333 $4,980 2.71%
Baraboo, WI (FHA|USDA|VA) 4 $710,000 $177,500 $2,779 3.13%
Beaver Dam, WI (FHA|USDA|VA) 3 $705,000 $235,000 $5,261 2.92%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 4 $700,000 $175,000 $5,975 4.38%
Bartlesville, OK (FHA|USDA|VA) 4 $700,000 $175,000 $4,968 3.25%
GRANTS PASS, OR (FHA|USDA|VA) 2 $700,000 $350,000 $7,735 2.81%
Butte-Silver Bow, MT (FHA|USDA|VA) 4 $690,000 $172,500 $3,976 3.88%
North Wilkesboro, NC (FHA|USDA|VA) 2 $690,000 $345,000 $4,539 3.13%
Kinston, NC (FHA|USDA|VA) 3 $685,000 $228,333 $6,247 3.25%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 3 $675,000 $225,000 $2,413 3.42%
OCALA, FL (FHA|USDA|VA) 4 $640,000 $160,000 $6,808 4.13%
Shelby, NC (FHA|USDA|VA) 3 $635,000 $211,667 $8,196 3.17%
KNOXVILLE, TN (FHA|USDA|VA) 2 $610,000 $305,000 $3,672 3.31%
Uvalde, TX (FHA|USDA|VA) 3 $605,000 $201,667 $3,914 3.92%
Tahlequah, OK (FHA|USDA|VA) 3 $605,000 $201,667 $6,561 3.17%
Branson, MO (FHA|USDA|VA) 3 $605,000 $201,667 $3,812 2.71%
Stillwater, OK (FHA|USDA|VA) 4 $600,000 $150,000 $5,423 3.16%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $590,000 $295,000 $3,126 3.50%
WALLA WALLA, WA (FHA|USDA|VA) 2 $580,000 $290,000 $3,362 3.06%
Duncan, OK (FHA|USDA|VA) 3 $575,000 $191,667 $4,722 3.88%
Boone, NC (FHA|USDA|VA) 2 $570,000 $285,000 $3,658 2.87%
LAREDO, TX (FHA|USDA|VA) 2 $550,000 $275,000 $11,686 2.81%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $525,000 $175,000 $6,821 3.54%
ANN ARBOR, MI (FHA|USDA|VA) 1 $515,000 $515,000 $3,792 2.88%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $515,000 $515,000 $11,000 2.38%
VISALIA, CA (FHA|USDA|VA) 2 $510,000 $255,000 $5,506 3.44%
LOUISVILLE, KY (FHA|USDA|VA) 2 $510,000 $255,000 $5,080 2.75%
Jacksonville, TX (FHA|USDA|VA) 2 $510,000 $255,000 $3,786 2.75%
REDDING, CA (FHA|USDA|VA) 2 $490,000 $245,000 $3,152 3.18%
Ardmore, OK (FHA|USDA|VA) 2 $480,000 $240,000 $3,879 3.12%
BATON ROUGE, LA (FHA|USDA|VA) 2 $470,000 $235,000 $13,148 3.25%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $470,000 $235,000 $6,113 3.50%
Woodward, OK (FHA|USDA|VA) 3 $465,000 $155,000 $5,853 2.75%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $460,000 $230,000 $5,550 2.63%
Plainview, TX (FHA|USDA|VA) 1 $455,000 $455,000 $6,678 2.88%
Durant, OK (FHA|USDA|VA) 1 $445,000 $445,000 $4,544 2.75%
Spearfish, SD (FHA|USDA|VA) 1 $435,000 $435,000 $3,542 3.00%
El Dorado, AR (FHA|USDA|VA) 1 $425,000 $425,000 $15,308 3.25%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $425,000 $425,000 $0 2.50%
Ada, OK (FHA|USDA|VA) 2 $420,000 $210,000 $8,453 2.94%
WICHITA, KS (FHA|USDA|VA) 1 $415,000 $415,000 $6,240 2.63%
Hood River, OR (FHA|USDA|VA) 1 $415,000 $415,000 $4,366 3.38%
Picayune, MS (FHA|USDA|VA) 2 $410,000 $205,000 $7,475 3.31%
Roseburg, OR (FHA|USDA|VA) 1 $405,000 $405,000 $8,254 2.75%
Laurinburg, NC (FHA|USDA|VA) 2 $400,000 $200,000 $8,401 3.00%
COLUMBIA, MO (FHA|USDA|VA) 2 $400,000 $200,000 $2,253 2.94%
WICHITA FALLS, TX (FHA|USDA|VA) 2 $400,000 $200,000 $5,120 3.13%
Ukiah, CA (FHA|USDA|VA) 1 $395,000 $395,000 $9,436 2.75%
Lufkin, TX (FHA|USDA|VA) 2 $390,000 $195,000 $3,526 3.00%
Alamogordo, NM (FHA|USDA|VA) 1 $385,000 $385,000 $7,758 3.75%
Big Spring, TX (FHA|USDA|VA) 1 $385,000 $385,000 $9,766 3.63%
Sheridan, WY (FHA|USDA|VA) 2 $380,000 $190,000 $4,167 2.88%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $375,000 $375,000 $3,444 3.50%
SAGINAW, MI (FHA|USDA|VA) 1 $365,000 $365,000 $0 2.75%
Winfield, KS (FHA|USDA|VA) 2 $360,000 $180,000 $4,868 3.06%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $355,000 $355,000 $5,397 3.38%
Forest City, NC (FHA|USDA|VA) 2 $350,000 $175,000 $3,599 3.19%
Henderson, NC (FHA|USDA|VA) 2 $350,000 $175,000 $2,434 2.81%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $345,000 $345,000 $3,636 3.99%
Los Alamos, NM (FHA|USDA|VA) 1 $345,000 $345,000 $6,538 3.63%
Newport, OR (FHA|USDA|VA) 1 $335,000 $335,000 $6,306 3.00%
Sulphur Springs, TX (FHA|USDA|VA) 2 $330,000 $165,000 $3,396 2.88%
Nacogdoches, TX (FHA|USDA|VA) 2 $320,000 $160,000 $5,991 3.00%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $315,000 $315,000 $17,001 2.88%
Kingsville, TX (FHA|USDA|VA) 1 $315,000 $315,000 $6,805 3.25%
Pullman, WA (FHA|USDA|VA) 1 $315,000 $315,000 $2,565 2.88%
Sterling, CO (FHA|USDA|VA) 2 $310,000 $155,000 $3,081 4.56%
Roanoke Rapids, NC (FHA|USDA|VA) 2 $300,000 $150,000 $4,790 3.38%
Klamath Falls, OR (FHA|USDA|VA) 2 $300,000 $150,000 $4,198 3.56%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $300,000 $150,000 $7,235 3.25%
Harrison, AR (FHA|USDA|VA) 2 $300,000 $150,000 $2,643 3.25%
RACINE, WI (FHA|USDA|VA) 1 $295,000 $295,000 $2,656 3.38%
Brookings, OR (FHA|USDA|VA) 1 $295,000 $295,000 $0 3.38%
Stephenville, TX (FHA|USDA|VA) 1 $295,000 $295,000 $2,998 3.38%
Lewisburg, TN (FHA|USDA|VA) 1 $295,000 $295,000 $5,699 3.63%
Arkadelphia, AR (FHA|USDA|VA) 2 $290,000 $145,000 $5,426 2.88%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $290,000 $145,000 $2,967 4.13%
Kirksville, MO (FHA|USDA|VA) 1 $285,000 $285,000 $2,180 3.75%
Del Rio, TX (FHA|USDA|VA) 2 $280,000 $140,000 $5,268 3.63%
Bay City, TX (FHA|USDA|VA) 1 $255,000 $255,000 $4,395 3.88%
JOHNSON CITY, TN (FHA|USDA|VA) 2 $250,000 $125,000 $5,022 5.75%
Silver City, NM (FHA|USDA|VA) 2 $250,000 $125,000 $3,863 3.13%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $245,000 $245,000 $3,306 3.00%
Brookhaven, MS (FHA|USDA|VA) 2 $240,000 $120,000 $4,658 3.81%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $235,000 $235,000 $3,682 2.75%
Bemidji, MN (FHA|USDA|VA) 1 $235,000 $235,000 $3,496 3.13%
LAFAYETTE, LA (FHA|USDA|VA) 2 $230,000 $115,000 $4,378 4.06%
Craig, CO (FHA|USDA|VA) 1 $225,000 $225,000 $2,612 3.50%
Grenada, MS (FHA|USDA|VA) 1 $225,000 $225,000 $6,356 2.63%
CASPER, WY (FHA|USDA|VA) 1 $225,000 $225,000 $7,998 5.75%
Mineral Wells, TX (FHA|USDA|VA) 1 $215,000 $215,000 $6,302 3.38%
Palestine, TX (FHA|USDA|VA) 2 $210,000 $105,000 $3,881 3.44%
Vernal, UT (FHA|USDA|VA) 1 $205,000 $205,000 $10,322 3.25%
Andrews, TX (FHA|USDA|VA) 1 $195,000 $195,000 $3,736 3.25%
Paris, TX (FHA|USDA|VA) 1 $195,000 $195,000 $4,833 3.63%
LINCOLN, NE (FHA|USDA|VA) 1 $195,000 $195,000 $2,144 3.38%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $195,000 $195,000 $4,395 3.38%
Roswell, NM (FHA|USDA|VA) 1 $195,000 $195,000 $3,396 3.38%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $185,000 $185,000 $5,039 3.75%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $185,000 $185,000 $2,998 3.38%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $185,000 $185,000 $2,564 2.88%
Mount Pleasant, TX (FHA|USDA|VA) 1 $185,000 $185,000 $6,267 3.50%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $185,000 $185,000 $0 6.13%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $175,000 $175,000 $5,611 3.00%
FLORENCE, SC (FHA|USDA|VA) 1 $175,000 $175,000 $2,893 3.50%
Batesville, AR (FHA|USDA|VA) 1 $175,000 $175,000 $5,850 3.25%
Rockingham, NC (FHA|USDA|VA) 1 $165,000 $165,000 $5,803 3.00%
Gaffney, SC (FHA|USDA|VA) 1 $165,000 $165,000 $2,931 3.00%
MORRISTOWN, TN (FHA|USDA|VA) 1 $155,000 $155,000 $4,710 3.25%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.38%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $145,000 $145,000 $3,781 3.25%
Salina, KS (FHA|USDA|VA) 1 $145,000 $145,000 $3,597 3.63%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $145,000 $145,000 $4,852 2.63%
Vicksburg, MS (FHA|USDA|VA) 1 $145,000 $145,000 $7,199 3.75%
Hereford, TX (FHA|USDA|VA) 1 $135,000 $135,000 $4,918 2.75%
Indianola, MS (FHA|USDA|VA) 1 $135,000 $135,000 $8,217 3.13%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $125,000 $125,000 $5,032 3.25%
Scottsbluff, NE (FHA|USDA|VA) 1 $125,000 $125,000 $4,235 2.88%
Searcy, AR (FHA|USDA|VA) 1 $115,000 $115,000 $2,257 3.13%
Hope, AR (FHA|USDA|VA) 1 $105,000 $105,000 $4,298 3.75%
Jennings, LA (FHA|USDA|VA) 1 $105,000 $105,000 $4,907 3.88%
McComb, MS (FHA|USDA|VA) 1 $105,000 $105,000 $5,697 3.63%
Platteville, WI (FHA|USDA|VA) 1 $105,000 $105,000 $3,070 3.63%
Sedalia, MO (FHA|USDA|VA) 1 $105,000 $105,000 $2,559 4.63%
Meridian, MS (FHA|USDA|VA) 1 $105,000 $105,000 $5,852 4.63%
AMES, IA (FHA|USDA|VA) 1 $105,000 $105,000 $2,324 2.88%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.25%
Laurel, MS (FHA|USDA|VA) 1 $85,000 $85,000 $5,264 4.88%
Cleveland, MS (FHA|USDA|VA) 1 $75,000 $75,000 $4,079 3.88%
Greenville, MS (FHA|USDA|VA) 1 $45,000 $45,000 $4,661 3.63%
Cornerstone Home Lending's top markets include Seattle, Houston, Oklahoma City, Dallas, and Austin among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 27,796 $8,991,510,000 $323,482 $5,024 3.11%
    FHA 4,891 $1,150,465,000 $235,221 $9,190 3.35%
    VA 3,261 $1,030,525,000 $316,015 $6,088 3.03%
    USDA 592 $130,000,000 $219,595 $6,613 3.15%

    For 2020, Cornerstone Home Lending's most frequently originated type of loan was Conventional, with 27,796 originations. Their 2nd most popular type was FHA, with 4,891 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 20,497 $6,032,865,000 $294,329 $6,466 3.12%
    Refi 12,408 $4,133,510,000 $333,133 $4,601 3.08%
    Cash Out Refi 3,475 $1,092,235,000 $314,312 $5,401 3.36%
    Other 131 $37,495,000 $286,221 $4,612 3.38%
    Home Improvement 29 $6,395,000 $220,517 $4,589 3.66%

    For 2020, Cornerstone Home Lending's most frequently cited loan purpose was Home Purchase, with 20,497 originations. The 2nd most popular reason was Refi, with 12,408 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 32,155 $10,103,675,000 $314,218 $5,883 3.17%
    15 Year 2,764 $738,230,000 $267,088 $4,565 2.78%
    20 Year 1,155 $337,445,000 $292,160 $4,516 3.10%
    Other 368 $106,530,000 $289,484 $4,875 3.15%
    10 Year 80 $16,110,000 $201,375 $3,762 2.91%
    3 Year 16 $140,000 $8,750 $0 0.00%
    5 Year 1 $5,000 $5,000 $0 0.00%
    30+ year 1 $365,000 $365,000 $17,036 4.25%

    For 2020, Cornerstone Home Lending's most frequently cited loan duration was 30 Year, with 32,155 originations. The 2nd most popular length was 15 Year, with 2,764 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 18,080 $5,629,480,000 $311,365
    $2k-3k 5,169 $1,423,765,000 $275,443
    $3k-4k 3,483 $1,012,015,000 $290,558
    $<1k 3,203 $727,685,000 $227,189
    $5k+ 3,147 $1,463,765,000 $465,130
    $4k-5k 2,241 $749,415,000 $334,411

    Cornerstone Home Lending's average total fees were $5,883, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 18,080 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 17,563 $5,466,545,000 $311,253
    2.5-3% 14,467 $4,710,925,000 $325,632
    <2.5% 2,828 $734,820,000 $259,837
    4-5% 1,457 $344,925,000 $236,736
    5-6% 218 $44,490,000 $204,083
    6-7% 3 $445,000 $148,333

    During 2020, Cornerstone Home Lending's average interest rate for loans was 3.17%, while their most frequently originated rate bucket for loans was 3-4%, with 17,563 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 19,601 $5,626,035,000 $287,028 $5,871 3.15%
    $100k-200k 7,422 $1,189,930,000 $160,325 $4,846 3.31%
    $400k-600k 6,621 $3,151,975,000 $476,057 $6,187 3.10%
    $600k-1MM 1,478 $1,044,560,000 $706,739 $7,881 3.19%
    $100,000 or less 1,246 $56,120,000 $45,040 $1,905 2.01%
    $1MM+ 172 $233,880,000 $1,359,767 $14,581 3.29%

    2020 saw Cornerstone Home Lending place emphasis on $200k-400k loans with 19,601 originations, totaling $5,626,035,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 8,924 $3,001,120,000 $336,298 $5,828 3.17%
    $50k-75k 7,890 $1,759,220,000 $222,968 $5,604 3.09%
    $75k-100k 6,665 $1,853,685,000 $278,122 $5,846 3.16%
    $150k-250k 6,274 $2,558,720,000 $407,829 $5,886 3.13%
    $50k or less 3,490 $593,290,000 $169,997 $4,848 3.15%
    $250k+ 2,415 $1,241,405,000 $514,039 $6,789 3.15%

    Cornerstone Home Lending lent most frequently to those with incomes in the $100k-150k range, with 8,924 originations. The second most popular income band? $50k-75k, with 7,890 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 7,687 $2,446,025,000 $318,203 $5,192 3.12%
    30-36% 6,553 $2,096,435,000 $319,920 $5,579 3.18%
    <20% 3,536 $1,105,660,000 $312,687 $4,728 3.02%
    50-60% 2,092 $523,950,000 $250,454 $8,010 3.06%
    44% 1,442 $427,080,000 $296,172 $5,950 3.20%
    43% 1,411 $431,275,000 $305,652 $5,879 3.16%
    42% 1,404 $443,410,000 $315,819 $6,022 3.19%
    41% 1,322 $420,910,000 $318,389 $5,932 3.18%
    39% 1,275 $399,225,000 $313,118 $5,901 3.17%
    40% 1,250 $383,520,000 $306,816 $5,869 3.18%
    37% 1,248 $391,870,000 $313,998 $5,653 3.19%
    38% 1,242 $404,200,000 $325,443 $5,889 3.18%
    45% 1,179 $347,075,000 $294,381 $6,054 3.08%
    36% 1,174 $377,990,000 $321,968 $5,711 3.13%
    49% 985 $287,885,000 $292,269 $6,285 3.14%
    48% 895 $260,515,000 $291,078 $6,137 3.16%
    47% 894 $262,650,000 $293,792 $6,027 3.03%
    46% 857 $259,195,000 $302,445 $6,025 3.14%
    >60% 59 $18,835,000 $319,237 $6,306 3.16%

    Cornerstone Home Lending lent most frequently to those with DTI ratios of 20-30%, with 7,687 originations. The next most common DTI ratio? 30-36%, with 6,553 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 25,097 $7,676,065,000 $305,856 $5,564 3.15%
    Not provided 6,710 $2,242,570,000 $334,213 $5,824 3.11%
    Black 1,891 $473,465,000 $250,378 $6,645 3.06%
    Asian 1,241 $453,335,000 $365,298 $6,011 3.15%
    American Indian 976 $244,240,000 $250,246 $6,529 3.08%
    Asian Indian 135 $54,785,000 $405,815 $6,584 3.00%
    Other Asian 146 $40,670,000 $278,562 $6,238 3.07%
    Filipino 99 $34,495,000 $348,434 $6,890 3.25%
    Chinese 47 $20,455,000 $435,213 $5,633 3.16%
    Other Pacific Islander 61 $15,995,000 $262,213 $6,410 3.30%
    Japanese 33 $13,865,000 $420,152 $6,386 3.11%
    Native Hawaiian or Islander 46 $13,830,000 $300,652 $6,407 3.18%
    Korean 25 $8,285,000 $331,400 $5,863 3.11%
    Vietnamese 22 $7,050,000 $320,455 $7,815 3.07%
    Guamanian 4 $1,300,000 $325,000 $8,589 3.31%
    Native Hawaiian 4 $1,210,000 $302,500 $5,310 3.12%
    Samoan 3 $885,000 $295,000 $9,164 2.96%

    Approval Rates

    Total approvals of all applications
    97.86%

    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
    81.31%

    Cornerstone Home Lending has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 36,540 $11,302,500,000 $309,319

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 279 $57,155,000 $204,857
    Single Family (1-4 Units):Site-Built 36,261 $11,245,345,000 $310,122

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,220 $337,210,000 $276,402 $4,436 3.02%
    40-60% 4,324 $1,411,280,000 $326,383 $4,558 3.05%
    60-80% 11,509 $4,003,125,000 $347,826 $5,117 3.21%
    80-100% 17,861 $5,222,575,000 $292,401 $6,409 3.21%
    Over 100% 947 $302,605,000 $319,541 $10,105 3.10%
    Under 20% 674 $23,510,000 $34,881 $557 0.44%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    Cornerstone Home Lending Inc. Conventional home mortgage Closing on a mortgage 5 18.5%
    Cornerstone Home Lending Inc. Conventional home mortgage Improper use of your report 1 3.7%
    Cornerstone Home Lending Inc. Conventional home mortgage Trouble during payment process 12 44.4%
    Cornerstone Home Lending Inc. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 3.7%
    Cornerstone Home Lending Inc. FHA mortgage Struggling to pay mortgage 2 7.4%
    Cornerstone Home Lending Inc. FHA mortgage Trouble during payment process 4 14.8%
    Cornerstone Home Lending Inc. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 3.7%
    Cornerstone Home Lending Inc. VA mortgage Closing on a mortgage 1 3.7%