Warehouse Lender Support
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Warehouse lending is critical to a mortgage company’s ability to operate—but how do you, as a commercial lender, determine whether “good” is good enough? MBS helps commercial banks evaluate the creditworthiness of mortgage companies seeking warehouse lines or MSR financing. Our deep-dive due diligence goes far beyond what traditional in-house credit analysts can provide, offering operational and financial insight to help you make confident, well-informed lending decisions.
Key Elements of
Warehouse Lender Support
Operational Performance Assessment
Review of mortgage company’s structure, production, servicing, technology, and management to assess operational soundness.
Credit Risk Evaluation
Objective assessment of borrower risk level, identifying red flags and sustainability of loan performance.
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Acquisition-Level Reviews
Apply the same rigorous standards used in M&A assessments to vet prospective borrowers for strategic alignment and risk exposure.
Financial Strength Analysis
In-depth evaluation of financial statements, liquidity, profitability, and loan-level profitability to determine overall fiscal health.
MSR Financing Due Diligence
Analysis of mortgage servicing rights value, retention models, and impairment risks tied to MSR-backed lending.
Production & Secondary Marketing Review
Evaluation of pricing strategy, hedging execution, and lock desk processes to confirm business model integrity and performance consistency.