CORNING CREDIT UNION
CORNING CREDIT UNION received 3,189 applications in 2025 and made 2,227 mortgages, in 232 counties across 22 states. The median rate its borrowers got was 6.140% on a median loan of $105,000. Of 2,921 decisions, 414 were denials — 14.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300WK15ESCDNJ5M35 |
|---|---|
| Applications received | 3,189 |
| Mortgages made | 2,227 |
| Denied | 414 |
| Approved, not taken up | 280 |
| Withdrawn or incomplete | 268 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.04 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 | 681 | 6.125% | $255,000 | 8.8% |
| Refinancing | 288 | 6.250% | $105,000 | 12.4% |
| Cash-out refinancing | 54 | 5.750% | $260,000 | 20.7% |
| Other purposes | 1,204 | 6.500% | $55,000 | 17.4% |
Where CORNING CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| New Hanover County, NC | 470 | 6.250% | 13.8% |
| Steuben County, NY | 374 | 6.140% | 9.5% |
| Chemung County, NY | 265 | 6.140% | 16.6% |
| Brunswick County, NC | 263 | 6.250% | 12.8% |
| Pender County, NC | 121 | 6.500% | 18.2% |
| Franklin County, PA | 91 | 6.500% | 15.9% |
| Horry County, SC | 87 | 6.375% | 26.9% |
| Tioga County, PA | 50 | 6.140% | 10.0% |
| Schuyler County, NY | 35 | 6.140% | 17.0% |
| Wake County, NC | 26 | 6.008% | 3.6% |
| Monroe County, NY | 19 | 6.140% | 9.1% |
| Columbus County, NC | 13 | 6.140% | 33.3% |
| Bradford County, PA | 13 | 5.890% | 16.7% |
| Yates County, NY | 12 | 6.320% | 0.0% |
| Mecklenburg County, NC | 12 | 6.125% | 20.0% |
| Onslow County, NC | 12 | 6.500% | 36.8% |
| Tompkins County, NY | 10 | 5.890% | 0.0% |
| Allegheny County, PA | 9 | Under 10 loans | 15.4% |
| Union County, NC | 8 | Under 10 loans | 0.0% |
| Washington County, MD | 7 | Under 10 loans | 27.3% |
| Guilford County, NC | 7 | Under 10 loans | 0.0% |
| Erie County, NY | 6 | Under 10 loans | 0.0% |
| Onondaga County, NY | 6 | Under 10 loans | 0.0% |
| Ontario County, NY | 6 | Under 10 loans | 12.5% |
| Seneca County, NY | 6 | Under 10 loans | 0.0% |
| Tioga County, NY | 6 | Under 10 loans | 10.0% |
| Cabarrus County, NC | 6 | Under 10 loans | 0.0% |
| Westmoreland County, PA | 6 | Under 10 loans | 12.5% |
| Marion County, FL | 5 | Under 10 loans | 28.6% |
| Sumter County, FL | 5 | Under 10 loans | 0.0% |
| Bladen County, NC | 5 | Under 10 loans | 16.7% |
| Centre County, PA | 5 | Under 10 loans | 0.0% |
| Cumberland County, PA | 5 | Under 10 loans | 0.0% |
| Montgomery County, PA | 5 | Under 10 loans | 16.7% |
| Broome County, NY | 4 | Under 10 loans | 0.0% |
| Catawba County, NC | 4 | Under 10 loans | 0.0% |
| Duplin County, NC | 4 | Under 10 loans | 33.3% |
| Lincoln County, NC | 4 | Under 10 loans | 0.0% |
| Lancaster County, PA | 4 | Under 10 loans | 0.0% |
| Washington County, PA | 4 | Under 10 loans | 20.0% |
| Citrus County, FL | 3 | Under 10 loans | 0.0% |
| Osceola County, FL | 3 | Under 10 loans | 0.0% |
| Volusia County, FL | 3 | Under 10 loans | 33.3% |
| Anne Arundel County, MD | 3 | Under 10 loans | 0.0% |
| Worcester County, MA | 3 | Under 10 loans | 0.0% |
| Essex County, NJ | 3 | Under 10 loans | 33.3% |
| Allegany County, NY | 3 | Under 10 loans | 0.0% |
| Chautauqua County, NY | 3 | Under 10 loans | 40.0% |
| Niagara County, NY | 3 | Under 10 loans | 0.0% |
| Suffolk County, NY | 3 | Under 10 loans | 0.0% |
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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.