CoreLogic Advisory Services teams offer task-focused consulting solutions that target current challenges in the recovering mortgage-finance marketplace—quickly, intelligently, effectively.
Our people combine securities-trading-desk levels of expertise with on-the-ground experience in mortgage origination and servicing. The tools we use feature the industry-leading authority of CoreLogic data and analytics—which can target any challenge you face with amazing precision.
We bring true end-to-end expertise to your project—developing custom insights into the challenges you face, working closely with you to identify key issues, helping formulate ongoing strategies and operations, and implementing any necessary workflow solutions.
Our securities experts augment your whole loan files with dynamic public record and proprietary data, current property valuations, and fact-based stochastic predictive modeling. These additional data points help identify and gauge the extent of loan-level risks to whole loan investments.
We replace ambiguous risk estimates with detailed, dynamic, verifiable pool- and loan-level evaluations. Augmenting your whole loan files with public record and proprietary data, current property valuations, and stochastic predictive modeling results, we pinpoint the impact of loan-level risks—credit, collateral, compliance, buyback—on your planned investment returns.
Using categories and processes customized to support your products and transactions, our Whole Loan Trading experts aggregate your portfolio’s credit, compliance, collateral, and fraud risks at the granular level, reporting detailed results and decision-making guidance.
Many whole loan investors now specialize in distressed properties, non-performing loans, and residential REOs. Success here requires the same kind of granular portfolio insights our experts reliably produce—helping you understand the added underlying distressed life-of-loan risks.
Our Advisory Services experts can help you explore SFR-to-Rental investment opportunities by analyzing SFR asset portfolios to determine current and future property values, potential average rents, local capitalization rates and market trends, and likely future cash flows projections. Our assessments focus on three broad categories:
Bank holding companies’ capital-reserve sufficiencies must now be reviewed annually, a high-risk exercise with potentially expensive consequences. CoreLogic Advisory Services has developed rigorous pre-/post-test solutions to help you deal with these challenges, regardless of the governing entity—Federal Reserve, OCC, NCUA, etc.
Our solutions address the RMBS, ABS, MBS, residential mortgage, and home equity components of the stress tests. We can employ both our own and third-party models—or supply the data needed for you to test and/or create your own model.
The end products of our efforts will vary depending on your needs, but results of typical stress pre-testing will include:
Once the actual tests are completed, we can help you assess the results and implement compliance with directed improvements to your risk policies and best practices.
Our comprehensive look at the outstanding liens on a portfolio’s collateral identifies all active voluntary mortgage liens and supplies such current lien data as the servicer, status, balance, lien hierarchy, and accuracy-confidence scores.
To maximize accuracy, we draw information from multiple sources:
By combining data from the various resources, we can also include:
Buying and selling mortgage servicing rights (MSRs) is fraught with risk—MSR profit margins can be thin. Incorrect valuation of a single mortgage can ruin the profits of an entire MSR deal.
Our MSR Valuation services put the full force of CoreLogic data and analytics at your fingertips. Our team works with you to analyze, model, and evaluate all the mortgages covered by the proposed MSR agreement—then produces a report that includes:
These data can give you a precise sense of the accuracy of the MSR valuation prior to making a commitment. With today’s thin MSR margins, overpaying can be worse than losing the bid.
Banks and other institutions holding residential mortgage loans secured by junior liens are subject to the new Allowance for Loan & Lease Losses (ALLL) regulations covering expected credit losses. To comply, affected institutions must understand not only the existing junior property liens but any other liens associated with them.
Our ALLL Compliance team analyzes the lien status of all properties in your portfolio, evaluates your junior-lien credit exposure, and works with you to design an ALLL compliance strategy. We then deliver a comprehensive report that:
In addition to creating a template for your ongoing ALLL compliance, our results improve your accuracy in calculating the financial impact of compliance—helping set appropriate loss reserves.
Our Basel III Portfolio Analysis services provide turnkey analytics to assess your portfolio’s current LTVs, its overall risk, and its current MSR valuation. The Basel III team delivers results in the following categories, which together support successful adherence to the new guidelines:
Although you undoubtedly have established internal methodologies for assessing mortgage risk and valuing MSRs, bank regulators increasingly require verification from a third-party perspective. The cost of a negative regulatory compliance assessment can be much greater than investing in a trustworthy “outside” Advisory Services view of your mortgage-related portfolio.
To request more information about CoreLogic Advisory Services, please submit the form below:
By submitting this form I agree that CoreLogic may contact me at the email address I provided for information about products, services or insights. I understand that consent can be withdrawn at any time by clicking the unsubscribe link contained in email messages.