Whether your credit union is already offering profitable, consumer-friendly mortgages to its members or is seeking to launch a new program, Balance Sheet Solutions’ suite of Mortgage Services enhances and supports your efforts: Mortgage Analytics and Trading System, Mortgage Servicing Rights Valuation and Mortgage Consulting.

LoanHD, Inc. – Mortgage Analytics and Trading System

By understanding the credit risk in your credit union’s loan portfolio, you enhance its regulatory compliance and improve your peace of mind.

This powerful and easy-to-use risk management tool aggregates eight analytics products. Offered in cooperation with mortgage services leader LoanHD, this system can make a big difference when it comes to your credit union’s safety and soundness and your own peace of mind.

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Value It – Mortgage Servicing Rights Valuation

As balance sheet mortgage concentration targets fill, credit unions are selling their residential mortgages into the secondary markets. Credit unions that retain servicing on these loans and receive fee income create a financial asset called mortgage servicing rights (MSR).

Auditors and examiners pay attention to how credit unions value these MSRs. In order to adhere to Financial Accounting Standards Board guidelines, credit unions must determine the fair value of their servicing portfolios. Our Value It program does just that, based on realistic market assumptions.

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Mortgage Consulting

Because your members are seeking a quality mortgage provider they know and trust, there is no better time for your credit union to be that provider. While you deliver affordable mortgage options to your members and increase cash flow to your balance sheet, count on our Mortgage Consulting program’s guidance, tools and superior one-on-one support.

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