Cornerstone Financial Credit Union mortgage approval rate & lending review
Cornerstone Financial Credit Union decided 324 mortgage applications and funded 207 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Cornerstone Financial Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to orsacu.org.
Cornerstone Financial Credit Union at a glance
Approval is 1.0 points below the 72.9% 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 | 78% | 45 / 58 | 82% | $305K | 37 |
| Cash-out refinance | 73% | 163 / 224 | 91% | $105K | 148 |
| Refinance | 59% | 19 / 32 | 89% | $175K | 17 |
Cornerstone Financial Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 72% | $105K | 324 | 207 |
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 Financial Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Davidson County, TN | Cash-out refinance | 71% | 70 | 46 |
| Sumner County, TN | Cash-out refinance | 72% | 39 | 25 |
| Rutherford County, TN | Cash-out refinance | 75% | 36 | 24 |
| Montgomery County, TN | Cash-out refinance | 78% | 27 | 20 |
| Williamson County, TN | Cash-out refinance | 65% | 34 | 19 |
The county markets where Cornerstone Financial Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Cornerstone Financial Credit Union
What is Cornerstone Financial Credit Union's mortgage approval rate?
Cornerstone Financial Credit Union approved 71.9% of the 324 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.0 points below the 72.9% national rate for the same mix of loan types.
How often do borrowers take the loan Cornerstone Financial Credit Union offers?
Borrowers accepted 89% of the loans Cornerstone Financial Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Cornerstone Financial Credit Union make?
The typical cash-out refinance loan Cornerstone Financial Credit Union made was $105K; across all loan types its typical loan ran from $105K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Cornerstone Financial Credit Union lend?
Cornerstone Financial Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Tennessee.
Can I apply to Cornerstone Financial Credit Union directly?
Yes. Cornerstone Financial Credit Union reports as a direct lender that takes applications from borrowers. Its website is orsacu.org.
Does this page show Cornerstone Financial 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 Financial Credit Union treats applications, then get a rate quote from the lender.