If growth and increased profitability of the mortgage operations unit are key to your bank's long-term strategy, a Cornerstone Advisors Mortgage Best Practices Assessment can assist you in gaining an understanding of how you can improve both the deployment and utilization of technology in your mortgage-banking operations. We can help you move your operation to industry best practices levels and improve origination, secondary marketing, and servicing processes.

The Mortgage Best Practices Assessment benchmarks your bank's mortgage origination and servicing functions against peers in terms of efficiency, service, delivery time, cost per loan, and technology utilization. We make specific recommendations to improve each of these areas, which include a review of current major loan origination processes and proposed new ones.

The Benefits:

• Increased productivity and speed in the mortgage banking operation
• Better utilization of technology and stronger integration of processes from application to post-closing
• Improved service levels to both correspondents/brokers and end borrowers
• Increased returns to shareholders and the ability to pursue strategic acquisitions
• A comprehensive plan for the mortgage business that identifies both short-term fixes and improvements as well as a long-term strategy for increasing growth and profitability and identifying what systems will help your bank achieve its objectives.

Cornerstone's singular focus on the strategic and technology needs of mid-size banks, our deep knowledge of mortgage loan origination products, and an expert project team equip us with the ability to provide sound and effective technical, process improvement, and mortgage expertise. Backed by a network of 70 mid-size bank clients, many with large mortgage subsidiaries, we can supply you with a clear picture of how your bank's mortgage-banking operations compare with peers.

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