Mortgage Servicing
.png)
.png)
Mortgage servicing is one of the most complex yet undervalued segments in mortgage lending—often delivering among the highest internal rates of return in the industry. MBS helps clients optimize their servicing strategy, whether launching in-house operations, evaluating subservicers, or improving compliance and operational performance. From strategic decision modeling to comprehensive assessments, MBS ensures your servicing operation meets regulatory standards and maximizes portfolio value.
Key Elements of
Mortgage Servicing
Servicing Strategy & Execution
Guidance on launching in-house servicing operations versus outsourcing, with support on strategic decisions to retain or release servicing.
Servicing Quality Control Programs
Design and implementation of comprehensive QC frameworks to monitor performance, mitigate risk, and maintain regulatory compliance.
Regulatory Compliance Validation
On-site and remote reviews of servicer operations to assess compliance with federal and investor standards, including payment processing, loss mitigation, and default management.
Subservicing Assessments
Independent reviews of subservicers to meet CFPB and OCC third-party management requirements, including detailed reports based on data testing and operational analysis.
MSR & SRP Accounting
Expert assistance in Mortgage Servicing Rights (MSR) and Service Release Premium (SRP) accounting, ensuring accurate valuation and compliance.
​
Portfolio Optimization & Product Strategy
Analysis of your servicing portfolio to identify opportunities to retain, sell, or acquire servicing rights for optimal long-term return and risk management.