Our Company

• Cornerstone Facts
• The Advantage
• Funding Growth
• Our Vision
• Testimonials

Stability

• Founded in 1988, based in Houston, Texas
• 83 total branches (CMC+ ABA branches)
• Offices in 13 states (AZ, CA, CO, GA, MN, MS, NM, NV, OK, TN, TX, UT, WA)
• 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
• $2.7 billion residential loan volume in 2009, $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 $20 million

Service

• Licensed to close mortgage loans in 47 states
• 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

• Top 30 National Lender *
• Seventh-largest independent mortgage company in the U.S.*
• Largest independent mortgage company in Texas *
• 2008 Texas Lender of the Year (First-Time Homebuyer Program)**

* Rankings posted by National Mortgage News as of September 30, 2009
**Awarded by the Texas Department of Housing and Community Affairs