Applications / Mortgage Analytics / Lenders / New York / Cornerstone Community Federal Credit Union
Lockport, NY · Credit union · NCUA · $713 million assets · 756 loans in 2025
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756
loans originated, 2025
1,061
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cornerstone Community Federal Credit Union is a Buffalo-area credit union, thirteenth among lenders there, whose lending is mostly home-improvement and other-purpose loans.
It ranked 13 of 267 lenders in Buffalo-Cheektowaga, where it has lent since before 1990; United Wholesale Mortgage, M&T Bank and Premium Mortgage lead. Its share fell to 2.1% from 2.6% as its originations fell 10%, while similar lenders (credit unions making between half and twice as many loans) rose 8%. A lender built on home-improvement loans may move with its members' renovation plans more than with the wider market.
Home improvement was 44.8% of its originations, other purposes 27.4%, refinances 18.1% and home purchases 9.7%. Its typical loan, $105,000, matched similar lenders', and it made no jumbo loans (larger than the conforming limit).
It lent in 8 counties in New York, in 2 metros. That concentration may be one reason its share in majority-minority areas, 1.8%, and in LMI (low- and moderate-income) areas, 11.9%, are lower than at most similar lenders, at 10.5% and 15.0%. Its LMI borrower share, 28.3%, is near the middle.
It reported 270 loans in 2020, then 15 in 2021 and 47 in 2022, before 694 in 2023. The figures alone do not show why, so comparisons with five years before should be read with care.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Cornerstone Community Federal Credit Union took 1,061 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 44.8% · Other 27.4% · Refinance 18.1% · Purchase 9.7%
Conventional 100.0% · of 756 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 756 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Buffalo-Cheektowaga | 722 |
| Rochester | 24 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900LTYFDA8IOP9O78 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1004180 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 511723 | 1990–2017 |
Established 1 January 1957. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Cornerstone Community Federal Credit Union's data.
Cornerstone Community Federal Credit Union's data
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Cornerstone Community Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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