Cornerstone Community Financial Credit Union in Michigan vs the state
28.0%Denial rate+9.52 pts vs state
34.0%Decision denial rate+11.39 pts vs state
50.8%Origination rate-9.10 pts vs state
6.50%Median rate-0.25 pts vs state
0.36Rate spread (pts)-0.04 pts vs state
$95kMedian applicant income
96Loans originated
53Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 148 | 74 | 41.2% | 7.38% | #223 |
| 2024 | 161 | 68 | 33.5% | 7.00% | #219 |
| 2025 | 189 | 96 | 28.0% | 6.50% | #219 |
What Cornerstone Community Financial Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Cornerstone Community Financial Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oakland County | 72 | 35 | 22 | 30.6% |
| Macomb County | 66 | 39 | 11 | 16.7% |
| Wayne County | 27 | 10 | 12 | 44.4% |
| Washtenaw County | 6 | 1 | 4 | 66.7% |
| Monroe County | 4 | 3 | 0 | 0.0% |
| St. Clair County | 3 | 2 | 1 | 33.3% |
| Lapeer County | 3 | 1 | 2 | 66.7% |
| Livingston County | 2 | 2 | 0 | 0.0% |
| Lenawee County | 2 | 1 | 0 | 0.0% |
| Muskegon County | 1 | 0 | 1 | 100.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 189 applications in 2025, of which 96 were originated and 53 denied.
28.0% of all applications, or 34.0% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Cornerstone Community Financial Credit Union originated in Michigan in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Cornerstone Community Financial Credit Union's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology