CORNERSTONE COMMUNITY FINANCIAL CREDIT UNION
CORNERSTONE COMMUNITY FINANCIAL CREDIT UNION received 277 applications in 2025 and made 147 mortgages, in 21 counties across 2 states. The median rate its borrowers got was 6.625% on a median loan of $55,000. Of 230 decisions, 72 were denials — 31.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300QGO7S838JDBC47 |
|---|---|
| Applications received | 277 |
| Mortgages made | 147 |
| Denied | 72 |
| Approved, not taken up | 11 |
| Withdrawn or incomplete | 47 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.459 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 10 | 6.688% | $140,000 | 23.1% |
| Refinancing | 29 | 6.875% | $75,000 | 32.7% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Other purposes | 106 | Not published | $55,000 | 31.5% |
Where CORNERSTONE COMMUNITY FINANCIAL CREDIT UNION lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Macomb County, MI | 39 | 6.875% | 19.6% |
| Oakland County, MI | 35 | 5.750% | 37.9% |
| Wood County, OH | 23 | 6.938% | 27.3% |
| Lucas County, OH | 17 | Not published | 34.6% |
| Wayne County, MI | 10 | Not published | 54.6% |
| Sandusky County, OH | 4 | Under 10 loans | 0.0% |
| Monroe County, MI | 3 | Under 10 loans | 0.0% |
| Ottawa County, OH | 3 | Under 10 loans | 20.0% |
| Livingston County, MI | 2 | Under 10 loans | 0.0% |
| St. Clair County, MI | 2 | Under 10 loans | 33.3% |
| Genesee County, MI | 1 | Under 10 loans | 0.0% |
| Lapeer County, MI | 1 | Under 10 loans | 66.7% |
| Lenawee County, MI | 1 | Under 10 loans | 0.0% |
| Oceana County, MI | 1 | Under 10 loans | 0.0% |
| Washtenaw County, MI | 1 | Under 10 loans | 80.0% |
| Fulton County, OH | 1 | Under 10 loans | 0.0% |
| Hancock County, OH | 1 | Under 10 loans | 0.0% |
| Henry County, OH | 1 | Under 10 loans | 0.0% |
| Williams County, OH | 1 | Under 10 loans | 0.0% |
| Kent County, MI | 0 | Under 10 loans | Not published |
| Muskegon County, MI | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.