Cornerstone Home Lending Case Study | ActiveComply

From Compliance Chaos to Confidence: How Cornerstone Home Lending Simplified Compliance with ActiveComply

Manually monitoring dozens of loan officers’ digital assets is not unlike herding cats, and finding an account free of small but costly regulatory violations is the exception rather than the rule. Compliance Analysts Taylor Clifford and Michelle Fields-Moore of Cornerstone Home Lending set out to make that process even marginally more manageable, but kept finding themselves boxed into platforms with limited reporting, little customization, and weak account discovery. After years with ActiveComply, they have found the long-term compliance confidence they were looking for.

Here’s how Cornerstone Home Lending simplified loan officer compliance monitoring with ActiveComply.

The Challenge

Cornerstone’s compliance team evaluated several providers before finding one that fit. Four problems kept coming up:

1. Rigid platforms: Previous providers locked Cornerstone into limited reporting, minimal customization, and weak account discovery.
2. Fragmented tools: Compliance and marketing needed to piece together multiple platforms rather than working from one system.
3. Manual monitoring at scale: Reviewing dozens of loan officers’ social media accounts one at a time made small, costly violations easy to miss.
4. Staying ahead of emerging risk: Issues such as UDAAP and fair lending violations kept evolving, and manual processes made it hard to stay current.

The Solution

ActiveComply was built to answer a simple question its founders, Rob Nunziata and Mike Prince, kept asking: why is compliance so complicated? The result is a cloud-based platform built to remove the friction of lengthy onboarding, complicated dashboards, manual monitoring, and unresponsive support.

An easier system to learn

“There truly was no learning curve for ActiveComply. The system was customized for our specific needs and the ActiveComply team was constantly working behind the scenes on our behalf,” Fields-Moore says. “It almost felt like they were a part of our team.”

One platform, every department

ActiveComply’s features live in one unified platform, which has made cross-departmental collaboration easier.

“We don’t just use ActiveComply for certain aspects of the business, but truly for all parts of our business,” Clifford says. “With previous providers, we could only use their tools for pieces, this platform, that platform, but not everything. This platform has changed everything for us. It is the go-to platform for all of our social media needs.”

Staying ahead of the curve

ActiveComply’s Advisory Board, made up of established law, compliance, and mortgage professionals, gives the ActiveComply team a strategic advantage in distributing real-time compliance updates to clients.

“ActiveComply’s technology is so far ahead of similar platforms out there,” Clifford says. “We’ve gained key efficiencies, peace of mind, and the expertise that comes with being more ahead of the compliance curve than most.”

The Results

A separate time study conducted with Acrisure Mortgage (formerly FBC Mortgage) found that ActiveComply’s social media monitoring saved that lender’s marketing and compliance teams an estimated $125,000 in personnel hours. Cornerstone has not run the same study internally, but Clifford and Fields-Moore both point to real time and cost savings from the platform.

“ActiveComply has saved us a lot of time. If there is something out there that we don’t know about, ActiveComply is going to find it,” Fields-Moore says.

Beyond freeing up work hours for other priorities, the Cornerstone team feels ahead of the curve compared to industry peers. “When I hear other lenders on webinars or in private groups talk about new industry concerns about marketing compliance, whether it be UDAAP or fair lending violations, it seems like other members of the industry just aren’t as prepared as we are because of ActiveComply,” Fields-Moore says.

Global social media use continues to climb, and with it, the potential for regulatory risk. “ActiveComply has been a game changer for us,” Clifford says. “It’s made our processes and procedures streamlined. We have an overall high-arching reach for what we can see from a regulatory aspect as well as how easy, how fluid, how intuitive that platform itself is. It just keeps getting better. Every time we have new feedback or new features to beta test, it always blows our mind, giving us the tools we didn’t know we needed, that we didn’t know were possible.”