Applications / Mortgage Analytics / Lenders / Tennessee / Cornerstone Financial Credit Union
Nashville, TN · Credit union · NCUA · $678 million assets · 86 loans in 2025
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86
loans originated, 2025
184
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cornerstone Financial Credit Union is a Tennessee lender that mostly refinances, and its loans rose 48% in 2025, against 7% at similar lenders.
It made 86 loans, up from 58, faster growth than at more than eight in ten similar lenders (credit unions making between half and twice as many loans) and than the whole market's 10%. It made 137 in 2023. Refinances were 68.6% of its loans, so its volume may rise and fall with demand to refinance.
Its typical loan was $235,000, against $95,000 at peers, larger than at about nine in ten, and up from $110,000 in 2024. Its lending reached $23.3 million, against $12.1 million for its peers. All of it was conventional.
Its typical rate was 5.90%, lower than at about nine in ten peers, where it was 6.75%. Majority-minority neighborhoods took 15.1% of its loans, against 9.1% at peers. Low- and moderate-income borrowers took 31.4%, close to peers' 30.5%.
In Nashville-Davidson--Murfreesboro--Franklin it ranks 189 of 821 with a 0.1% share, in a market led by United Wholesale Mortgage and Rocket Mortgage. It has lent there since 1992. It made its first loans in Kingsport-Bristol in 2025, and all its lending is in Tennessee.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Financial Credit Union took 184 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 68.6% · Purchase 30.2% · Home improvement 1.2%
Conventional 100.0% · of 86 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 |
|---|---|---|
| Tennessee | 86 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nashville-Davidson--Murfreesboro--Franklin | 69 |
| Clarksville | 4 |
| Jackson | 2 |
| Chattanooga | 1 |
| Kingsport-Bristol | 1 |
| Knoxville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HTKHBMJL4D9734 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 455299 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567972 | 1992–2017 |
Established 1 January 1962. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Cornerstone Financial Credit Union's data.
Cornerstone Financial Credit Union's data
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Cornerstone Financial 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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