{"id":5318,"date":"2024-09-17T08:41:15","date_gmt":"2024-09-17T13:41:15","guid":{"rendered":"https:\/\/www.ncultheaffiliate.com\/?p=5318"},"modified":"2024-09-18T16:53:25","modified_gmt":"2024-09-18T21:53:25","slug":"white-paper-mortgage-servicing-rights-valuation-with-an-alm-focus","status":"publish","type":"post","link":"https:\/\/www.ncultheaffiliate.com\/?p=5318","title":{"rendered":"White Paper: Mortgage Servicing Rights Valuation with an ALM Focus"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.9.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px|||||&#8221;][et_pb_row _builder_version=&#8221;4.9.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;2px|||||&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.9.4&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.9.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p style=\"text-align: left;\"><img loading=\"lazy\" src=\"http:\/\/www.ncultheaffiliate.com\/wp-content\/uploads\/2024\/09\/Crop-Central-Grapic-QuantyPhi-MSR-White-Paper.png\" width=\"395\" height=\"182\" alt=\"\" class=\"wp-image-5323 aligncenter size-full\" \/>Mortgage servicing rights (MSR) are an arrangement where loan originators sell mortgage loans and retain the administrative duties and tasks associated with the loans, as a revenue stream. This allows the financial institution to focus more resources on the business of origination and disbursing new mortgage loans. Corporate Central\u2019s CUSO, QuantyPhi, has built a sophisticated valuation model that ensures accurate reporting of MSR assets on your credit union\u2019s call report, considering the impact of changing interest rates on prepayment speeds and income.<\/p>\n<p>To highlight the effectiveness of QuantyPhi\u2019s MSR model and prove the benefits of viewing MSR valuations with an ALM and interest rate risk focus, a detailed case study was conducted. The case study is based on characteristics of actual credit union real estate loans sold portfolios and spans multiple years and significant changes in market interest rates.<\/p>\n<p>Read the white paper: <a href=\"https:\/\/www.quantyphi.com\/Documents\/Whitepapers\/MSR-Whitepaper\">https:\/\/www.quantyphi.com\/Documents\/Whitepapers\/MSR-Whitepaper<\/a><\/p>\n<p>Greg Yoko, Business Development Executive<br \/><a href=\"mailto:greg.yoko@corpcu.com\">greg.yoko@corpcu.com<\/a><br \/>(414) 427-3614<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n  ","protected":false},"excerpt":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.9.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px|||||&#8221;][et_pb_row _builder_version=&#8221;4.9.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;2px|||||&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.9.4&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.9.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;] Mortgage servicing rights (MSR) are an arrangement where loan originators sell mortgage loans and retain the administrative duties and tasks associated with the loans, as a revenue stream. This allows the financial institution to focus more resources on the business [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":""},"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/www.ncultheaffiliate.com\/index.php?rest_route=\/wp\/v2\/posts\/5318"}],"collection":[{"href":"https:\/\/www.ncultheaffiliate.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ncultheaffiliate.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ncultheaffiliate.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ncultheaffiliate.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=5318"}],"version-history":[{"count":0,"href":"https:\/\/www.ncultheaffiliate.com\/index.php?rest_route=\/wp\/v2\/posts\/5318\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.ncultheaffiliate.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5318"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ncultheaffiliate.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5318"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ncultheaffiliate.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5318"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}