Banking on Change: How One Mortgage Lender Became Texas’s Most Ambitious New Bank

In an era where banks are retreating from mortgage lending, Cornerstone Capital Bank is boldly running the other direction. Born from a unique merger between a beloved independent mortgage lender and a 110-year-old West Texas bank, Cornerstone has rapidly transformed into a full-service financial institution—with mortgage lending still at its core. CEO Scott Almy reveals the story behind this high-stakes, countercyclical bet, and why it may signal the future of mortgage banking in a volatile market.