Cornerstone Community Financial Credit Union (CCF), based in Auburn Hills, Michigan, announced a partnership with Upstart on August 27, 2025, to offer AI-driven personal loan options to its members across Michigan and Ohio. This collaboration leverages Upstart’s AI lending marketplace to provide smarter, more inclusive financing solutions.
Partnership: CCF and Upstart, announced August 27, 2025.
Purpose: Deliver digital, accessible personal loans via Upstart Referral Network.
Start Date: Lending began April 2025.
Impact: Enhances member acquisition and financial empowerment through AI-driven lending.
Stock Context: Upstart (UPST) at $70.365, up 1.1% from $69.60 (see finance card above).
Source: Business Wire, August 27, 2025.
CCF, a member-owned, not-for-profit credit union founded in 1951, serves communities in Michigan and Ohio with a focus on personalized financial solutions. Through the Upstart Referral Network, qualified applicants on Upstart.com who meet CCF’s credit policies receive tailored loan offers and transition seamlessly into a CCF-branded online application and closing process. “Partnering with Upstart allows us to extend digital, accessible personal lending to more people,” said Chris Mangeno, Chief Lending Officer at CCF.
Upstart’s AI platform, which automates over 90% of loan decisions, enables CCF to approve more borrowers at lower rates while delivering a digital-first experience. “Cornerstone Community Financial is gaining new members while helping them with their financial needs,” said Michael Lock, SVP of Lending Partnerships at Upstart.
The partnership aligns with CCF’s mission to empower members through innovative financial services, supported by its network of over 5,000 CO-OP shared branch locations. Upstart’s AI models enhance credit decisioning, enabling CCF to serve a broader audience, including those with limited credit histories. With 70% of U.S. credit unions adopting AI lending solutions by 2026, this collaboration positions CCF as a leader in digital lending.
Upstart’s stock (UPST) rose 1.1% to $70.365 post-announcement, reflecting market optimism, though it remains 27% below its 52-week high of $96.43 (see finance card above). CCF’s focus on digital banking tools and community engagement, including its 3rd Annual Cornerstone Community Day on August 23, 2025, complements this partnership’s tech-forward approach.
Upstart is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart AI, lenders can approve more borrowers at lower rates while delivering the exceptional digital-first experience customers demand. More than 90% of loans are fully automated, with no human intervention by Upstart. Founded in 2012, Upstart’s 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.
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