Cornerstone Community Federal Credit Union in New York vs the state
11.5%Denial rate-8.25 pts vs state
13.9%Decision denial rate-10.14 pts vs state
71.3%Origination rate+11.66 pts vs state
3.99%Median rate-2.64 pts vs state
-3.22Rate spread (pts)-3.43 pts vs state
$100kMedian applicant income
756Loans originated
122Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,058 | 694 | 12.7% | 2.25% | #73 |
| 2024 | 1,275 | 840 | 10.4% | 3.99% | #57 |
| 2025 | 1,061 | 756 | 11.5% | 3.99% | #86 |
What Cornerstone Community Federal Credit Union lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Cornerstone Community Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Niagara County | 566 | 411 | 64 | 11.3% |
| Erie County | 435 | 311 | 46 | 10.6% |
| Orleans County | 32 | 21 | 3 | 9.4% |
| Monroe County | 6 | 3 | 3 | 50.0% |
| Cattaraugus County | 5 | 3 | 1 | 20.0% |
| Wyoming County | 5 | 2 | 3 | 60.0% |
| Chautauqua County | 5 | 3 | 0 | 0.0% |
| Genesee County | 4 | 2 | 1 | 25.0% |
| Allegany County | 2 | 0 | 1 | 50.0% |
| Nassau County | 1 | 0 | 0 | 0.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 1,061 applications in 2025, of which 756 were originated and 122 denied.
11.5% of all applications, or 13.9% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Cornerstone Community Federal Credit Union originated in New York in 2025 was 3.99%, against a statewide median of 6.63%.
About this data. Figures are Cornerstone Community Federal Credit Union's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology