Cornerstone Home Lending, Inc.

What Cornerstone Home Lending, Inc. does

Cornerstone Home Lending, Inc. is a privately held, Texas-domiciled residential mortgage lender that operates as the mortgage division of Cornerstone Capital Bank, SSB, a state-chartered FDIC-insured savings bank headquartered in Houston. Founded in 1988, the company originates purchase, refinance, construction, and government-backed (FHA, VA, USDA) mortgages across 45 U.S. states plus Washington D.C. through a network of 253 loan originators at 144+ loan production offices and direct digital channels. It has funded more than 500,000 home-financing transactions since inception and originated over $3.14 billion in loans in 2025.

The company's core technology is LoanFly, a proprietary end-to-end digital mortgage platform that combines a loan origination system (LOS), borrower and loan officer portals, and the LoanFly iOS/Android mobile app for prequalification, document upload, and 24/7 loan status tracking. Loan servicing is operated in-house on Black Knight technology, enabling Cornerstone to retain the client relationship for the life of the loan. The product menu spans more than 300 loan programs sourced from 50+ investor partners, including conventional (Fannie Mae, Freddie Mac), government-backed, jumbo (up to $4M), and non-QM/DSCR products.

Revenue is generated primarily through (a) transaction-based origination fees and gain-on-sale margins on closed loans, (b) recurring servicing fee income on the retained portfolio, (c) interest income on loans held pending sale, and (d) ancillary commissions from Cornerstone Insurance Agency LLC. Distribution is hybrid: enterprise referral partnerships with realtors and builders, in-house loan officer sales, and direct-to-consumer digital channels. The company supports 1,500+ team members, claims the highest LO tenure in the mortgage industry, and reports loan officer productivity 282% above industry average per Modex Connect data.

Name

Cornerstone Home Lending, Inc.

Legal name

Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB

Website

https://houseloan.com

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Cornerstone Home Lending is a privately held Texas-chartered residential mortgage lender operating across 45 U.S. states, originating purchase, refinance, and government-backed loans through 253 loan officers, the proprietary LoanFly digital platform, and in-house loan servicing.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Real Estate Credit (522292), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

Mortgage Bankers & Loan Correspondents (6162), Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

akta.pro secondary industries

Residential Mortgage Origination & Servicing (Retail) (FSABAAAD), New Construction-to-Perm (Single-Family Owner-Occupied) (FSALAHAA)

Keywords

• Residential mortgage lending
• Home loan origination
• Mortgage refinancing
• Loan servicing
• Government-backed loans

Headquarters

HQ city

San Antonio

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Mortgage Origination: Cornerstone originates residential mortgage loans including purchase, refinance, and construction loans. Revenue is generated through origination fees charged to borrowers and interest income on held loans. The company works with over 50 investor sources offering 300+ loan products.
2. Loan Servicing: In-house loan servicing operations generate ongoing revenue from servicing fees on the loan portfolio. The company services loans for the life of the loan, providing continuous client relationships.
3. Interest Income: Revenue from interest earned on mortgages held in portfolio or during the period before sale to investors.
4. Insurance Services: Through Cornerstone Insurance Agency LLC, the company provides insurance products to mortgage customers.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

Cornerstone Home Lending originates and services residential mortgage loans including purchase, refinance, and construction loans. Operating as a division of Cornerstone Capital Bank, SSB, the company leverages 50+ investor sources to offer 300+ loan products across 45 states plus Washington, D.C., with a focus on fully in-house processing, underwriting, closing, and servicing operations supported by its proprietary LoanFly digital mortgage platform.

Differentiator

Problem solved

Functional benefit

Brands

• LoanFly: Digital mortgage platform and mobile app that enables borrowers to manage their home loan from start to finish, including prequalification, document uploads, and real-time loan status updates.

Products and services

• Conventional Purchase & Refinance Mortgages Conventional conforming loans for home purchases, rate/term refinances, cash-out refinances, and Texas 50(a)(6) cash-out refinances, with up to 97% LTV and up to 105% CLTV with eligible Affordable Seconds. Designed for credit-qualified individual homebuyers and homeowners in the U.S.
• Government-Backed Loans (FHA, VA, USDA) Specialized government-insured loan programs: FHA loans with 3.5% minimum down and 580 minimum credit score, VA loans with up to 100% LTV and no PMI for eligible veterans, and USDA loans offering 100% LTV for rural and suburban buyers. Targets first-time homebuyers, veterans, and rural property buyers.
• Jumbo Mortgages Loans exceeding conforming limits up to $4 million, with up to 90% LTV for purchase and refinance, minimum 660 credit score, and both fixed-rate and ARM options. Serves buyers purchasing or refinancing high-value residential properties.
• Construction Loans Loans for new home construction, manufactured housing, and renovation financing, covering unique property types that may not qualify with traditional lenders. Built for buyers seeking non-standard properties or building new homes.
• Non-QM Specialty Loans Non-qualified mortgage products including bank statement loans, DSCR (debt service coverage ratio) loans for rental property investors, asset depletion qualification, and other programs for borrowers with non-traditional income documentation. Serves self-employed borrowers, gig workers, business owners, and real estate investors.
• In-House Mortgage Loan Servicing Full-service in-house loan servicing for the life of each loan, including payment collection, escrow, customer support, and 24/7 client management. Powered by the Black Knight Servicing Platform. Serves the company's borrowers across all loan products.
• Insurance Services Insurance products provided through Cornerstone Insurance Agency LLC, a wholly-owned subsidiary, offered to mortgage customers to protect their home financing investments.

Quantifiable outcome

• 282% higher loan production volume compared to industry average (per Modex Connect)
• +3 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Five partnerships are on record, tiered core.

• Peoples Bancorp of LubbockcoreStrategic or Co-development Partner · 14 April 2026Cornerstone Capital Bank recently acquired Peoples Bancorp of Lubbock, expanding its presence in the Texas banking market.
• The Roscoe State Bank / Roscoe BankcoreStrategic or Co-development Partner · 3 October 2022Cornerstone acquired Roscoe State Bank (oldest bank in Nolan County, Texas with roots dating back to 1906) in October 2022 to create Cornerstone Capital Bank. The merger added institutional banking services, deposit products, and expanded Cornerstone's lending footprint.
• Black Knight (ICE)coreTechnology or IntegrationCornerstone invested in Black Knight's technology platform for in-house loan servicing operations, enabling elite loan servicing professional capabilities and 24/7 client management.
• Fannie MaecoreOthersCornerstone originates conventional loans eligible for purchase by Fannie Mae, one of the government-sponsored enterprises that guarantee the majority of mortgages in the U.S.
• Freddie MaccoreOthersCornerstone originates conventional loans eligible for purchase by Freddie Mac, one of the government-sponsored enterprises that guarantee the majority of mortgages in the U.S.

Scale indicators9 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Guild Mortgage: Guild Mortgage is a large privately held retail mortgage lender operating across most U.S. states with a comparable distributed retail branch model, in-house servicing, and similar product breadth (conventional, government, jumbo, renovation).
• DHI Mortgage: DHI Mortgage is the captive retail mortgage lender for D.R. Horton, the largest U.S. homebuilder. Comparable to Cornerstone on builder JV and Realtor partnership referral model, conventional and government loan focus, and emphasis on new construction purchase financing.
• Movement Mortgage: Movement Mortgage is a large independent retail mortgage lender known for strong culture and large distributed loan officer network. Highly comparable to Cornerstone on retail production model, producer-centric culture, and mid-tier independent lender positioning.
• Fairway Independent Mortgage: Fairway Independent Mortgage is a top-10 privately held retail mortgage lender with a similar large distributed branch network and product breadth. Comparable to Cornerstone on retail mortgage origination scale, product mix, and in-house operations model.
• Caliber Home Loans: Caliber Home Loans (a Newrez subsidiary) is a large independent retail and wholesale mortgage lender. Highly comparable to Cornerstone on retail purchase and refinance origination, multi-channel producer model, servicing portfolio, and bank-like balance sheet funding.
• NewRez (shellpoint): NewRez is a top-tier nonbank mortgage originator and servicer with both retail and wholesale channels. Comparable to Cornerstone on retail origination, in-house servicing, and bank-partnership deposit funding model via Shellpoint Partners.

Broad incumbents

• Rocket Mortgage: Rocket Mortgage (NYSE: RKT) is the largest U.S. retail mortgage lender and a broad incumbent in the same direct-to-consumer and retail mortgage origination space as Cornerstone. Comparable on residential purchase and refinance origination, proprietary digital mortgage technology, and large distributed retail producer force.
• United Wholesale Mortgage: UWM (NYSE: UWMC) is the largest U.S. wholesale mortgage lender and a broad incumbent with significant retail overlap. Comparable to Cornerstone on conventional, FHA, VA, and jumbo origination, proprietary technology (Blink), and large-scale producer network.
• loanDepot: loanDepot (NYSE: LDI) is a large publicly traded retail and partner-direct mortgage lender. Comparable to Cornerstone on retail mortgage origination, multi-channel production (retail, wholesale, joint venture), in-house servicing, and proprietary digital mortgage platform (mello).

Emerging players

• Paramount Equity (and similar community-bank-owned lenders): Paramount Equity and similar community-bank-affiliated retail mortgage lenders share Cornerstone's bank+retail mortgage hybrid model, where a state-chartered bank supports the mortgage origination platform with deposit funding and balance sheet capacity. Comparable on hybrid funding model and product breadth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/cshomelending
• Facebookfacebook.com/CornerstoneHomeLendingInc

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries19 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cornerstone Home Lending, Inc.