Cornerstone Community Federal Credit Union
Cornerstone Community Federal Credit Union received 1,061 applications in 2025 and made 756 mortgages, in 10 counties across 1 state. The median rate its borrowers got was 3.990% on a median loan of $105,000. Of 878 decisions, 122 were denials — 13.9%, most often for other.
| Legal Entity Identifier | 254900LTYFDA8IOP9O78 |
|---|---|
| Applications received | 1,061 |
| Mortgages made | 756 |
| Denied | 122 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 183 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -3.22 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 | 73 | 6.375% | $215,000 | 4.0% |
| Refinancing | 116 | 3.990% | $130,000 | 15.3% |
| Cash-out refinancing | 21 | 6.375% | $165,000 | 16.0% |
| Other purposes | 546 | 3.990% | $105,000 | 14.7% |
Where Cornerstone Community Federal Credit Union lends most
The 10 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Niagara County, NY | 411 | 3.990% | 13.5% |
| Erie County, NY | 311 | 3.990% | 12.9% |
| Orleans County, NY | 21 | 3.990% | 12.5% |
| Cattaraugus County, NY | 3 | Under 10 loans | 25.0% |
| Chautauqua County, NY | 3 | Under 10 loans | 0.0% |
| Monroe County, NY | 3 | Under 10 loans | 50.0% |
| Genesee County, NY | 2 | Under 10 loans | 33.3% |
| Wyoming County, NY | 2 | Under 10 loans | 60.0% |
| Allegany County, NY | 0 | Under 10 loans | 100.0% |
| Nassau County, NY | 0 | Under 10 loans | Not published |
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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.