Applications / Mortgage Analytics / Lenders / Michigan / Cornerstone Community Financial Credit Union
Auburn Hills, MI · Credit union · NCUA · $467 million assets · 147 loans in 2025
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147
loans originated, 2025
277
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cornerstone Community Financial Credit Union makes small loans to existing homeowners rather than mortgages to buyers, and in 2025 it made 147 of them, about five times its 2020 count.
Other-purpose loans were 40.8% of its lending and home improvement 31.3%; purchases were only 6.8%. Its typical loan, $55,000, was about half the $105,000 at similar lenders, credit unions making between half and twice as many loans, and smaller than at almost all of them.
It made 147 loans, up 36%, while similar lenders grew 8% and the whole market 10%, faster than about three in four of them. Its count fell to 29 in 2020 and has since climbed past the 97 it made in 2018.
Low- and moderate-income (LMI) borrowers took 39.0% of its loans, against 28.6% at similar lenders, more than at about four in five of them. In LMI neighborhoods it made 21.2% of its loans, also above the 17.3% typical of its peers.
It lends in Michigan and Ohio, across seven metros, and holds a small share in each. In Toledo it ranked 86th of 334 lenders, with 0.1%. Small loans add few dollars, and market shares are counted in dollars.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Financial Credit Union took 277 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 40.8% · Home improvement 31.3% · Refinance 21.1% · Purchase 6.8%
Conventional 100.0% · of 147 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 |
|---|---|---|
| Michigan | 96 | 65.3% |
| Ohio | 51 | 34.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Warren-Troy-Farmington Hills | 79 |
| Toledo | 41 |
| Detroit-Dearborn-Livonia | 10 |
| Monroe | 3 |
| Sandusky | 3 |
| Ann Arbor | 1 |
| Flint | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QGO7S838JDBC47 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 271088 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 57280 | 1990–2009 |
| Respondent ID (the HMDA filer code before 2018) | 568641 | 2013–2017 |
Established 1 January 1951. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Cornerstone Community Financial Credit Union's data.
Cornerstone Community Financial Credit Union's data
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Cornerstone Community 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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