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IRLC Fair Value 2021 Supplement to The Mortgage Lender’s Guide to Hedging, Fair Value, Market Value, and the IRLC

In January 2021, Loan Vision released Dr. Schell’s white paper that addressed several topics including the IRLC Fair Value.  This March 2, 2021 white paper provides a valuation update based on 12-31-20 secondary margins common among mortgage companies. As noted in the January white paper, the IRLC fair value assessment is significantly influenced by its future net cash flow. The future net cash flow is impacted by the future gain on sale revenue. If the future revenue is greater than in prior years, as is the case as of 12-31-20, then the value of the IRLC will be higher than in previous years. The purpose of this supplement white paper is to identify how the …

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IRLC Fair Value 2021 Supplement to The Mortgage Lender’s Guide to Hedging, Fair Value, Market Value, and the IRLC

In January 2021, Loan Vision released Dr. Schell’s white paper that addressed several topics including the IRLC Fair Value.  This March 2, 2021 white paper …

The Mortgage Lender’s Guide to Hedging, Fair Value, Market Value, and the IRLC

While interest rate lock commitment (IRLC) protects customers from market risk, it exposes the mortgage lender to that very same risk. Because of this, mortgage …

Unlocking the Numbers—Leveraging Granular Financial Detail in Business Strategy

In this industry, as part of the lender due diligence process, the financials and credit history of every mortgage banking customer are combed over and …

Implementation Requires a Steady Hand

UPDATING ACCOUNTING TECHNOLOGY IS NOT A JOB FOR THE CFO One of the byproducts of an ever increasing competitive landscape as well as the continuing …

Financial Accounting Systems in the Age of Agility

In an age of skyrocketing technological capabilities and ever increasing software functionality enhancements, the mortgage banking industry is now in the age of agility, making …

3 Reasons to Reduce Your Accounting Software Footprint

When it comes to the task of loan origination, the primary focus of the mortgage lending enterprise, most lenders are highly skilled at streamlining their …

Improve Your Performance

IMPROVE YOUR PERFORMANCE Growth for many companies lies in keeping tabs on the performance of their branches For many mid-tier lenders, the key to growth …

Part Two: 4 Clues it’s Time to Upgrade Your Mortgage Accounting Software

Clue No. 3: You’re Using Multiple Software Applications in Your Finance Department When a company finds it cannot do what it needs to do with …

Part One: 4 Clues it’s Time to Upgrade Your Mortgage Accounting Software

One of the problems involved in running a business that is measured by deal volume is that success is only possible if the deals never …

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