Cornerstone Financial Credit Union in Tennessee vs the state
30.2%Denial rate+13.08 pts vs state
36.2%Decision denial rate+14.50 pts vs state
47.3%Origination rate-10.83 pts vs state
5.90%Median rate-0.72 pts vs state
-0.24Rate spread (pts)-0.47 pts vs state
$108kMedian applicant income
86Loans originated
55Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 202 | 137 | 19.3% | 6.25% | #191 |
| 2024 | 134 | 58 | 38.1% | 7.50% | #261 |
| 2025 | 182 | 86 | 30.2% | 5.90% | #230 |
What Cornerstone Financial Credit Union lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Cornerstone Financial Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 46 | 24 | 12 | 26.1% |
| Williamson County | 23 | 10 | 7 | 30.4% |
| Sumner County | 20 | 9 | 9 | 45.0% |
| Rutherford County | 18 | 9 | 4 | 22.2% |
| Dickson County | 17 | 10 | 5 | 29.4% |
| Montgomery County | 12 | 4 | 4 | 33.3% |
| Cheatham County | 8 | 2 | 3 | 37.5% |
| Humphreys County | 5 | 2 | 2 | 40.0% |
| Wilson County | 3 | 2 | 0 | 0.0% |
| Robertson County | 3 | 1 | 1 | 33.3% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 182 applications in 2025, of which 86 were originated and 55 denied.
30.2% of all applications, or 36.2% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Cornerstone Financial Credit Union originated in Tennessee in 2025 was 5.90%, against a statewide median of 6.62%.
About this data. Figures are Cornerstone Financial Credit Union's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology