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.