# Cornerstone Community Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/cornerstone-community-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Cornerstone Community Federal Credit Union is a credit union, headquartered in Lockport, NY, with 91 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 19% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 56% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900LTYFDA8IOP9O78
- **Headquarters:** Lockport, NY
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** NY
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 81/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.119%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,987
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 91
- **Dollar Volume:** $21 million
- **Applications Received:** 115
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $232,033
- **Average Borrower Income:** $105,319
- **Average Property Value:** $320,055

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 40/100 | 91 | -0.119% | $1,987 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 70 loans, Score: 38/100 (Acceptable)
- Refinance: 21 loans, Score: 41/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 39/100 | 70 | $16M | -0.078% | Acceptable 🙂 |
| Refinance | 40/100 | 21 | $5M | -0.246% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 91 | 0.08% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Buffalo | NY | 85 | 74/100 |

## Where This Lender Ranks

Cornerstone Community Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Buffalo Credit Unions
  - [View Full Rankings](https://saferate.com/buffalo/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Buffalo for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/buffalo/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#12** in Buffalo
  - [View Full Rankings](https://saferate.com/buffalo/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Cornerstone Community Federal Credit Union offer?

Cornerstone Community Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Cornerstone Community Federal Credit Union offer mortgages?

Cornerstone Community Federal Credit Union offers mortgages in 1 states: NY.

### How competitive are Cornerstone Community Federal Credit Union's mortgage rates?

Cornerstone Community Federal Credit Union has a pricing score of 81/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.119% below market average.

### What type of lender is Cornerstone Community Federal Credit Union?

Cornerstone Community Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Lockport, NY.

### What is Cornerstone Community Federal Credit Union's loan approval success rate?

Cornerstone Community Federal Credit Union has a pull-through score of 44/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/cornerstone-community-federal-credit-union

### How to Cite

> "Cornerstone Community Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/cornerstone-community-federal-credit-union

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