Cornerstone Community Financial Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
7th31.3% deniedProcesswithdrawn + incomplete share, weight 15%
28th17.0%Closing coststotal loan costs ÷ loan amount, weight 10%
3rd5.93% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 216 | 115 | 39.4% | 42.3% | 7.38% | $8.2M |
| 2024 | 249 | 108 | 34.9% | 42.4% | 6.75% | $10M |
| 2025 | 277 | 147 | 26.0% | 31.3% | 6.63% | $11M |
What Cornerstone Community Financial Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 1 investment properties.
Why Cornerstone Community Financial Credit Union denies applications
Primary reason reported for each of the 72 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Cornerstone Community Financial Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 37 | 16 | 48.4% |
| $50k – $100k | 115 | 60 | 32.6% |
| $100k – $150k | 77 | 43 | 26.6% |
| $150k – $250k | 38 | 22 | 25.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 28 | 15 | 27.3% |
| 35–44 | 29 | 15 | 34.6% |
| 45–54 | 81 | 47 | 22.4% |
| 55–64 | 69 | 36 | 38.3% |
| 65–74 | 52 | 24 | 37.5% |
Where Cornerstone Community Financial Credit Union lends
2 states and 21 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Cornerstone Community Financial Credit Union denied 31.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 7th percentile of small mortgage lenders.
The most common reason Cornerstone Community Financial Credit Union gave in 2025 was "debt-to-income ratio", cited on 100.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Cornerstone Community Financial Credit Union originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.46 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 8% of its applications were for home purchases, 22% for refinancing (including cash-out), and 69% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.