STABILITY

• Founded in 1988, based in Houston, Texas
• 74 total branches (Cornerstone and ABA branches)
• Branches in 15 states
• Industry-wide reputation for integrity, high-trust customer service and on-time closings
• Average industry tenure of employees is 12.3 years

STRENGTH

• Independently owned by 20 key employee shareholders
• $3.1 billion residential loan volume in 2011; $3.3 billion in 2010
• Former subsidiary of a national bank (2000 – 2006)
• Warehouse line capacity to fund in excess of $600 million monthly
• Very liquid — cash positions in excess of $17 million
• Net worth in excess of $24 million

SERVICE

• Licensed to lend in 48 states and the District of Columbia
• Approved and in good standing with Fannie Mae and Freddie Mac and FHA/VA
• Compliance staff consisting of seven full-time employees
• All retail production by Cornerstone-employed Loan Officers

RECOGNITIONS

2009

• Largest independent mortgage company in Texas, National Mortgage News (September 2009)
• Seventh-largest in the U.S., National Mortgage News (September 2009)
• Top 30 National Lender, National Mortgage News (September 2009)
• Fifth-largest independent lender in Houston, Houston Business Journal

2010

• Top Workplaces - #13 for mid-sized companies, Houston Chronicle
• Third-largest mortgage company in Northern Colorado, Northern Colorado Business Report
• Lender of the Year for First-Time Homebuyer Program, Texas Dept. of Housing and Community Affairs
• Ranked 10th nationally in loan production gains, National Mortgage News (October 2010)
• 4th largest retail non-bank mortgage company in the U.S., National Mortgage News (October 2010)
• 25th largest retail lender in the U.S. (among all lenders including banks), Mortgagestats.com, (Q-3 2010 Rankings)

2011

• Top Workplaces - #23 for mid-sized companies, Houston Chronicle
• 7th largest retail non-bank mortgage company in the U.S. (Q-4, 2011 rankings, Mortgagestats.com)
• 25th largest retail lender (includes banks) in the U.S. (Q-4, 2011 rankings, Mortgagestats.com)