Cornerstone Community Federal Credit Union mortgage approval rate & lending review
Cornerstone Community Federal Credit Union decided 1,656 mortgage applications and funded 1,451 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Cornerstone Community Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Cornerstone Community Federal Credit Union at a glance
Approval is 17.5 points above the 70.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 92% | 205 / 222 | 100% | $175K | 205 |
| Home improvement loans | 87% | 781 / 893 | 100% | $65K | 781 |
| Cash-out refinance | 84% | 47 / 56 | 100% | $185K | 47 |
| Refinance | 87% | 398 / 458 | 100% | $125K | 398 |
Cornerstone Community Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 88% | $65K | 1,656 | 1,451 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Cornerstone Community Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Niagara County, NY | Home improvement loans | 88% | 562 | 493 |
| Erie County, NY | Home improvement loans | 87% | 326 | 284 |
| Erie County, NY | Refinance | 86% | 241 | 208 |
| Niagara County, NY | Refinance | 88% | 216 | 189 |
| Niagara County, NY | Mortgage lenders | 92% | 145 | 134 |
| Erie County, NY | Mortgage lenders | 92% | 77 | 71 |
| Niagara County, NY | Cash-out refinance | 75% | 32 | 24 |
| Erie County, NY | Cash-out refinance | 96% | 23 | 22 |
The county markets where Cornerstone Community Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Cornerstone Community Federal Credit Union
What is Cornerstone Community Federal Credit Union's mortgage approval rate?
Cornerstone Community Federal Credit Union approved 87.7% of the 1,656 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 17.5 points above the 70.2% national rate for the same mix of loan types.
How often do borrowers take the loan Cornerstone Community Federal Credit Union offers?
Borrowers accepted 100% of the loans Cornerstone Community Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Cornerstone Community Federal Credit Union make?
The typical home improvement loan loan Cornerstone Community Federal Credit Union made was $65K; across all loan types its typical loan ran from $65K to $185K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Cornerstone Community Federal Credit Union lend?
Cornerstone Community Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in New York.
Can I apply to Cornerstone Community Federal Credit Union directly?
Yes. Cornerstone Community Federal Credit Union is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Cornerstone Community Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Cornerstone Community Federal Credit Union treats applications, then get a rate quote from the lender.