CORNERSTONE CREDIT UNION
CORNERSTONE CREDIT UNION received 97 applications in 2025 and made 67 mortgages, in 14 counties across 6 states. The median rate its borrowers got was 6.475% on a median loan of $45,000. Of 79 decisions, 12 were denials — 15.2%, most often for credit history. 2 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300COR6KN4QP42U93 |
|---|---|
| Applications received | 97 |
| Mortgages made | 67 |
| Denied | 12 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 18 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.57 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 | 30 | 6.663% | $75,000 | 18.9% |
| Refinancing | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Cash-out refinancing | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 23 | 6.425% | $25,000 | 14.8% |
Where CORNERSTONE CREDIT UNION lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Stephenson County, IL | 35 | 6.475% | 18.6% |
| Winnebago County, IL | 14 | 6.700% | 12.5% |
| Whiteside County, IL | 8 | Under 10 loans | 0.0% |
| Lee County, IL | 2 | Under 10 loans | 0.0% |
| Ogle County, IL | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Boone County, IL | 1 | Under 10 loans | 0.0% |
| DuPage County, IL | 1 | Under 10 loans | 0.0% |
| LaSalle County, IL | 1 | Under 10 loans | 0.0% |
| Green County, WI | 1 | Under 10 loans | 0.0% |
| Shasta County, CA | 0 | Under 10 loans | 100.0% |
| South Central Connecticut Planning Region, CT | 0 | Under 10 loans | Not published |
| Will County, IL | 0 | Under 10 loans | Not published |
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When CORNERSTONE CREDIT UNION’s figures are published for the next year, or restated.
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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.