Cornerstone Community Financial Credit Union Partners with Upstart for Smarter Personal Loans

Cornerstone Community Financial Credit Union has partnered with Upstart to provide more inclusive personal loan options to consumers. The AI-driven platform leverages machine learning algorithms to approve more borrowers efficiently, promoting competitive loan rates and a superior digital experience. The partnership aims to expand Cornerstone's member base across Michigan and Ohio while delivering a seamless, all-digital lending experience.

Cornerstone Community Financial Credit Union (CCF) has announced a strategic partnership with Upstart (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace. This collaboration aims to provide consumers with smarter, more inclusive personal loan options. The partnership leverages Upstart's AI-driven platform to approve more borrowers efficiently, promote competitive loan rates, and deliver a superior digital experience.

Cornerstone Community Financial, a member-owned, not-for-profit institution, is committed to making financial success a reality through innovation and personalized service. By partnering with Upstart, CCF seeks to expand its member base across Michigan and Ohio while offering a seamless, all-digital lending experience. The partnership began in April 2025, with qualified personal loan applicants on Upstart.com receiving tailored offers from CCF.

Upstart's AI models and cloud applications enable lenders to approve more borrowers at lower rates while delivering an exceptional digital-first experience. Over 90% of loans are fully automated, with no human intervention. The platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar "relief" loans. Upstart is based in San Mateo, California [1].

Cornerstone Community Financial, founded in 1951 and headquartered in Auburn Hills, Michigan, serves members across Michigan and Ohio with a full suite of personal and business banking solutions. The credit union's partnership with Upstart marks a significant step towards enhancing its digital capabilities and expanding its financial services [2].

The partnership reflects CCF's commitment to empowering its members through every financial chapter of their lives. Chris Mangeno, Chief Lending Officer at Cornerstone Community Financial, stated, "Partnering with Upstart allows us to extend digital, accessible personal lending to more people, helping them join the CCF community and achieve their financial goals."

Michael Lock, Senior Vice President of Lending Partnerships at Upstart, expressed excitement about welcoming CCF to the family of Upstart lending partners. "As part of the Upstart Referral Network, Cornerstone Community Financial is gaining new members while helping them with their financial needs through an all-digital, personal lending experience," he said.

This strategic partnership underscores the importance of leveraging technology to enhance financial services and improve access to credit for a broader range of consumers. As the partnership progresses, it will be essential to monitor its impact on both CCF's member growth and the financial well-being of consumers in Michigan and Ohio.

References:
[1] https://finance.yahoo.com/news/cornerstone-community-financial-credit-union-130000981.html
[2] https://www.marketscreener.com/news/cornerstone-community-financial-credit-union-selects-upstart-for-personal-loans-ce7c50dede8df62c