The HLC Team

What The HLC Team does

The HLC Team refers to the consumer-facing referral channel of Cornerstone Home Lending, a residential mortgage lender and division of Cornerstone Capital Bank, SSB, a Texas-chartered state savings bank. Founded in 1988 and headquartered at 1177 West Loop South, Houston, Texas, the company originates and services residential mortgages across 45 U.S. states plus Washington, D.C. through a network of 253 licensed loan originators and more than 1,500 team members, and has closed over 500,000 home-financing transactions since inception. Operations span an in-house mortgage production, processing, underwriting, closing, and funding chain plus in-house loan servicing.

The product and technology stack centers on LoanFly, a proprietary registered-trademark digital mortgage platform comprising the LoanFly mobile app (iOS/Android), a 24/7 Borrower Portal for document upload and loan-status tracking, an LO Portal for real-time pipeline management, and integration with Black Knight's servicing technology for in-house loan servicing. Loan products include conventional fixed-rate (15/20/30-year) and adjustable-rate (5/7/10-year) mortgages, FHA, VA, USDA, and Jumbo loans (up to ~$4M), plus specialty offerings: Non-QM bank-statement loans, DSCR investor loans, ITIN mortgages, HECM reverse mortgages, bridge loans, one-time-close construction and FHA 203(k) renovation loans, a Fixer Upper program partnered with Lowe's and The Home Depot, and down-payment assistance programs. Targets include a 10-day application-to-approval turnaround and a 100% on-time closing commitment, with up to 360-day rate locks for new construction.

Revenue is generated primarily through origination transaction fees (points, origination charges, and gain-on-sale into the secondary market across 50+ investor sources and 300+ loan products) and recurring life-of-loan servicing income retained on the in-house serviced portfolio, which now also benefits from net interest income generated by Cornerstone Capital Bank following the October 2022 acquisition and merger with The Roscoe State Bank. The customer base is highly distributed across six primary segments — first-time homebuyers, repeat buyers, veterans/military, self-employed and non-traditional borrowers, real estate investors, and home improvement/construction buyers — supported by 141+ field loan officers, in-house marketing, referral partnerships with realtors and builders, and self-service digital channels via LoanFly and CHLServicing.com. Subsidiary entities (Cornerstone Servicing, Cornerstone Insurance Agency, MetriQ Valuation, Peoples Bank, Roscoe Bank) extend the offering into adjacent financial services.

Name

The HLC Team

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

11–50 employees

Short description

The HLC Team is the consumer channel of Cornerstone Home Lending, a Houston-based residential mortgage lender and division of Cornerstone Capital Bank, SSB, originating and servicing home loans across 45 U.S. states through 253 licensed loan officers and the proprietary LoanFly digital mortgage platform.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218), Real Estate Credit (522292), Commercial Banking (522110)

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

First-Time Homebuyer (FTHB) Mortgage Origination (FSALAAAG), Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI), Renovation Mortgage Origination (FHA 203(k), HomeStyle, CHOICERenovation) (FSALAAAL), Reverse Mortgage Origination (HECM & Proprietary) (FSALAIAA)

Keywords

• Residential mortgage lending
• Home loan origination
• Loan servicing
• Digital mortgage platform
• Government-backed mortgages

Headquarters

HQ city

Upland

HQ country

United States

HQ region

North America

Offices8 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 Fees: Revenue from originating mortgage loans including purchase and refinance transactions. Fees typically include origination fees, discount points, and various loan-related charges collected at closing.
2. Loan Servicing: In-house servicing operations generating revenue from servicing residential mortgage loans for the life of the loan. Includes escrow management, payment processing, and customer account maintenance.
3. Secondary Market Sales: Loans originated are sold to secondary market investors including Fannie Mae, Freddie Mac, and other investors. Company maintains relationships with 50+ investor sources offering 300+ loan products.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Cornerstone Home Lending, a division of Cornerstone Capital Bank, SSB, originates and services residential mortgage loans nationwide through a network of 253 licensed loan originators in 45 states plus Washington DC. The company offers a comprehensive suite of conventional, FHA, VA, USDA, jumbo, and specialty mortgage products supported by the proprietary LoanFly© digital mortgage platform with 24/7 borrower portal access, in-house processing/underwriting/closing, and lifetime in-house loan servicing.

Product overview

Cornerstone Home Lending operates as a mortgage lending division of Cornerstone Capital Bank, SSB, offering a comprehensive suite of residential mortgage products and services. The company's core technology platform is LoanFly, an end-to-end digital mortgage solution comprising the LoanFly App (mobile), LoanFly Borrower Portal (client-facing web portal), and LoanFly LO Portal (loan officer pipeline management). They offer conventional, FHA, VA, USDA, and Jumbo loan products, plus specialty offerings including Non-QM products, construction/renovation loans, bridge loans, down payment assistance, ITIN loans, HECM reverse mortgages, and DSCR investor loans. The company also operates in-house loan servicing (powered by Black Knight technology) to serve clients for the life of their loan. LoanFly enables 15-minute prequalification, 10-day loan approval, and Express Closing in 15 minutes.

Differentiator

Problem solved

Functional benefit

Brands

• LoanFly: Digital mortgage platform and mobile application for managing home loans from start to finish, including the LoanFly Suite (LOS), LoanFly App, LoanFly Borrower Portal, and LoanFly LO Portal.

Products and services

• Fixed-Rate Mortgage
• Adjustable-Rate Mortgage (ARM)
• FHA Loan
• VA Home Loan
• Jumbo Loan
• USDA Loan
• Non-QM Products
• Construction & Renovation Loans
• Fixer Upper Program
• Bridge Loans
• Down Payment Assistance
• ITIN Loans
• HECM (Home Equity Conversion Mortgage)
• DSCR Loan
• In-House Loan Servicing

Quantifiable outcome

• 10-day loan approval from application to underwriting approval
• +3 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• Black Knight (ICE Mortgage Technology)coreTechnology or Integration · 13 April 2022Cornerstone implemented Black Knight's servicing technology platform to power in-house loan servicing operations, enabling clients to manage their entire loan lifecycle from onboarding to payoff through integrated digital experience.

Scale indicators9 records

Recent moves9 records

Expansion highlights6 records

Emerging players

• Better.com: Digital-first mortgage lender competing primarily through a fully online origination funnel; represents the tech-native disruption model that pressures traditional LO-led retailers like Cornerstone.

Direct peers

• Movement Mortgage: Charitable, mission-driven retail mortgage lender with a comparable distributed LO model and national licensing footprint.
• Rocket Mortgage (Rocket Companies): Largest U.S. retail mortgage lender and the most direct competitor to Cornerstone Home Lending; both originate conventional, FHA, VA, USDA, and Jumbo loans nationwide through retail and digital channels.
• PennyMac Financial Services: Large correspondent and direct-to-consumer mortgage lender/servicer; overlaps with Cornerstone on retail origination plus servicing scale that Cornerstone is building toward via in-house operations.
• loanDepot: National retail and wholesale lender with comparable conventional, government, and HELOC products; competes on digital experience (mello app) vs. Cornerstone's LoanFly.
• Caliber Home Loans (Newrez): Major nonbank mortgage originator and servicer; overlaps on retail origination, government loans, and in-house servicing capabilities comparable to Cornerstone's Black Knight-powered platform.
• United Wholesale Mortgage (UWM): Leading wholesale and retail mortgage lender competing on rate sheet and broker/LO technology; comparable broad product set including government and non-QM loans.
• New American Funding: National retail mortgage lender with similar specialty product emphasis (ITIN, non-QM, renovation) and direct-to-consumer digital capabilities targeting first-time and multicultural homebuyers.
• Fairway Independent Mortgage Corporation: National retail mortgage lender with similarly distributed LO-led model and comparable product breadth across conventional, government, and renovation loans.
• Guild Mortgage: Mid-large retail mortgage lender with comparable footprint, government and specialty loan offerings; serves similar first-time and repeat homebuyer segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/hlc_team
• Facebookfacebook.com/hlcteam
• LinkedInlinkedin.com/company/hlc-team

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries5 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about The HLC Team