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Excess Business Loss Limitation and Tax Treatment of the Sales of MSRs

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The sale of originated mortgage servicing rights (OMSRs) gives rise to several types of income. Ordinary income, short term capital gain, long-term capital gain and possibly excess servicing. The tax code requires that a determination be made as to whether any portion of the MSR should be considered excess servicing for tax reporting purposes. Excess …

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Four Essential Day-to-Day Improvements For Your Accounting Department, From A Former Controller

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Being in the mortgage industry for a lot of years, you pick up a few systems. You learn the tricks of the trade, so to speak. And when you’re in an area like mortgage accounting, the tricks can make all the difference when it comes to gaining efficiency. So, when Carl and Haleigh asked me …

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Four Key Considerations for Compensating Top Lending Talent

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In today’s mortgage market, it’s not only harder to compete for top lending talent but more expensive. You could just keep throwing money at the problem, but that’s not a sustainable strategy. You need a compensation strategy that rewards top talent in meaningful, not just monetary, terms –one that boosts morale and helps attract and …

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Opportunities to Increase Profitability and Resiliency

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According to the MBA’s data, median productivity as fallen by over 50%. While market issues actually started in the 3rd quarter of 2020, lenders are seeing net production income decreasing significantly from Q32020 record highs, and costs per loan skyrocketing to an average of $10,600. CWDL and our partner Teraverde have had several discussions, including …

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Move From LIBOR Further Complicates Warehouse Funding Decisions

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Key Ideas:   Libor used to dominate warehouse line Agreements Warehouse line agreements now are referencing a wide array of interest rates Diverse sets of reference rates provide optionality to the originator Innovative decision engine simplifies complex funding decisions Mortgage lenders spent the last two years transitioning away from Libor. All new mortgage-backed securities issued by Fannie …

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