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Corning Credit Union

Credit Union•Corning, NYHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Corning Credit Union — 425 loans across 617 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 5 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 0.80 basis points below market average
  • Lower than average lender fees
  • Strong pull through performance
  • Particularly strong in Conventional and Jumbo loans

Explore another lender or local market

Report Card

Corning Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 0.8 bps below market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
409 loans · 0.00% below market
Strong
Top 40% of lenders
4/5
Jumbo
16 loans · 0.28% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
395 loans · 0.01% below market
Strong
Top 40% of lenders
4/5
Refinance
30 loans · 0.05% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume409
Mix96.2%
Spread
-0.004%Below
Fees
$1,052Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through—
Volume16
Mix3.8%
Spread
-0.285%Below
Fees
$97Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume395
Mix92.9%
Spread
-0.014%Below
Fees
$993Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Acceptable
Volume30
Mix7.1%
Spread
+0.053%Above
Fees
$1,514Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
425
Applications
617
Volume
$134 million
Pricing & Closing
Avg Rate Spread
-0.008%
vs. market APOR
Avg Net Fees
$1,036
Origination − Credits
Pullthrough Rate
68.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$316,882
Avg Borrower Income
$163,073
Avg Property Value
$473,941

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

6Full-year 2024 · HMDA
6 states with loan originations
Loans originated
< 2020+None
Northeast2
NYPA
South4
FLMDNCSC

Top Metro Areas by Place Specialization Score

1© Kenneth C. Zirkel · CC BY 4.0
Elmira, NYMetro
Volume 69Mix 16.24% of portfolio
92/100
Exceptional
2© Bjoertvedt · CC BY-SA 4.0
Wilmington, NCMetro
Volume 167Mix 39.29% of portfolio
92/100
Exceptional
3© James Willamor · CC BY-SA 3.0
Myrtle Beach, SCMetro
Volume 16Mix 3.76% of portfolio
49/100
Sound
4© Unknown · Public domain
Chambersburg, PAMetro
Volume 10Mix 2.35% of portfolio
44/100
Sound
5© chucka_nc · CC BY-SA 2.0
Charlotte, NC-SCMetro
Volume 10Mix 2.35% of portfolio
40/100
Sound

Top States by Place Specialization Score

New York
New York
1
New YorkState
Volume 168Mix 39.53% of portfolio
70/100
Strong
North Carolina
North Carolina
2
North CarolinaState
Volume 200Mix 47.06% of portfolio
70/100
Strong
Pennsylvania
Pennsylvania
3
PennsylvaniaState
Volume 28Mix 6.59% of portfolio
49/100
Sound
South Carolina
South Carolina
4
South CarolinaState
Volume 21Mix 4.94% of portfolio
48/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.