Cornerstone Community Financial Credit Union (CCF) has partnered with Upstart, an artificial intelligence (AI) lending marketplace, to provide its members across Michigan and Ohio with more inclusive and accessible personal loan options.

The collaboration sees CCF leveraging the Upstart Referral Network, a system designed to connect qualified personal loan applicants from Upstart.com with tailored offers from partnering financial institutions. Cornerstone Community Financial began offering loans through this network in April 2025, directing applicants to a CCF-branded online experience to complete their membership application and closing process.“At Cornerstone, we’re committed to more than just great rates, we’re here to empower our members through every financial chapter of their lives,” said Chris Mangeno, Chief Lending Officer at Cornerstone Community Financial. “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.”Upstart, founded in 2012 and based in San Mateo, California, operates as an AI lending marketplace that connects millions of consumers with over 100 banks and credit unions. The platform utilizes AI models and cloud applications to deliver credit products, enabling lenders to approve more borrowers at potentially lower rates while offering a digital-first customer experience. Upstart reports that more than 90% of its loans are fully automated without human intervention. Its platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar relief loans.“We’re excited to welcome Cornerstone Community Financial Credit Union to the family of Upstart lending partners,” said Michael Lock, Senior Vice President of Lending Partnerships at Upstart. “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.”Cornerstone Community Financial Credit Union is a member-owned, not-for-profit financial institution established in 1951 and headquartered in Auburn Hills, Michigan. Serving communities across Michigan and Ohio, CCF offers a comprehensive suite of personal and business banking solutions, including checking, savings, loans, credit cards, and digital banking tools. Member deposits are federally insured by the NCUA.