January 23, 2026 — Cornerstone Servicing, a leading residential loan subservicer and division of Cornerstone Capital Bank, SSB, has received a Servicer Quality (SQ) rating of SQ3 from Moody’s Ratings as a servicer of prime residential mortgage loans and second lien mortgage loans.
The rating reflects Cornerstone Servicing’s strong operational performance, industry-leading customer service results, and consistent performance across both performing and default servicing activities. High adoption of its homeowner portal and digital services and delinquency levels below industry averages contributed to its rating. In addition, Moody’s’ press release noted Cornerstone Servicing’s above-average loss mitigation capabilities and robust business continuity framework.
Moody’s’ rating recognizes Cornerstone Servicing’s seamless homeowner experience, differentiated by its customer-centric servicing model, user-friendly website and app, timely and actionable communications, complete and efficient resolution of customer service inquiries, and stronger overall engagement throughout the loan lifecycle.
“Moody’s’ assessment reflects the thoughtful, service-driven approach we bring to mortgage servicing every day. Our teams are focused on delivering an exceptional homeowner experience while helping our clients achieve strong, consistent portfolio performance. As we continue to grow, we remain committed to outstanding service, operational excellence, and long-term value across every stage of the servicing lifecycle,” said Toby Wells, President of Cornerstone Servicing.
As a subservicing partner to lenders and investors nationwide, Cornerstone Servicing supports a broad range of residential loan products, including first and second lien mortgages, home equity products, non-QM (residential and business purpose), residential transition loans (construction and bridge), and others. The company’s customizable servicing solutions include private-label servicing options, component and interim servicing, and recapture and cross-selling services – all designed to adapt to evolving market needs while strengthening portfolio performance and customer satisfaction.
Cornerstone Servicing is licensed to service loans nationwide and is in good standing with Fannie Mae, Freddie Mac, Ginnie Mae, FHA, VA, and USDA. In addition to Moody’s Ratings, the company is rated by S&P Global Ratings, Fitch Ratings, and is approved to service into securitizations by DBRS Morningstar and KBRA. In addition, Cornerstone Servicing has earned the Tier 1 FHA Servicer Rating from the U.S. Department of Housing and Urban Development (HUD).
About Cornerstone Capital Bank
Based in Houston, Texas, Cornerstone Capital Bank is a premier national provider of residential mortgage financing, loan servicing, and a full range of consumer, commercial, and institutional banking services. The organization’s 1,500 team members across the country are guided by a core Mission, Vision, and Convictions statement. Cornerstone has served families and businesses in over 639,000 mortgage financing, commercial financing, and deposit account relationships. Cornerstone holds certified Fortune Great Place to Work® status, is recognized as “Top Workplace” in major markets and has earned multiple Best Workplaces™ awards. Formed through the 2022 merger of Cornerstone Home Lending and The Roscoe State Bank, Cornerstone Capital Bank has a combined operating history dating back to 1906. Upon merger closing, Cornerstone was the highest capitalized new bank in Texas history. For more information, visit www.CornerstoneCapital.com