CoreLogic Advisory Services offer task-focused consulting solutions that target current challenges in the recovering mortgage marketplace—quickly, intelligently, effectively. Benefit from End-To-End Expertise.
Our tools and talents make us different. Our people uniquely combine securities-trading-desk levels of expertise with comprehensive on-the-ground experience in mortgage origination and servicing. Our tools feature the unmatched authority of CoreLogic® data and analytics, which can target, with amazing precision, any challenge you face.
Our Advisory Services teams bring true end-to-end expertise to your project. They develop custom insights into the challenges you face, work closely with you to identify the key issues, help formulate ongoing strategies and operations, and implement necessary workflow solutions.
CoreLogic Advisory Services teams help you deal with the often daunting challenges companies now face in transitioning from post-crisis defense strategies to recovery-focused offense. Here are some client challenges we’ve recently addressed:
HOA Super Lien Check from CoreLogic® is a comprehensive, end-to-end solution to help servicers and investors simplify the process of identifying and documenting interests in super lien properties. Find out more.
If you are a regulated bank or non-bank mortgage servicer under CFPB supervision, new Regulation X servicing rules apply to you. A key provision of the new rules all but requires mortgage portfolio segmentation by the likely future performance of individual loans.
To determine which loans in a portfolio are conclusively non-performing and which can be reworked to re-perform and return future earnings, you need to know loan-level facts like:
Our approach to Reg X and other compliance consulting engagements combines:
Our Regulatory practice offers flexible, client-customized, cost-effective consulting project designs, fully responsive consulting project relationships, a variety of focused reports at a wide range of price points, and consistently fast project turn-times.
Click here to learn more about our solutions.
Buying and selling mortgage servicing rights (MSRs) is a multi-billion dollar industry, with MSRs heavily traded among mortgage servicers. But MSR profit margins may be extremely thin.
Incorrect valuation of a single mortgage in a pool can sink all the profits from its MSR deal. Although your company may have an existing valuation process in place, without CoreLogic data and analytics you may not be able to assess the accuracy of an MSR valuation correctly.
Mortgage Servicing Rights Valuation puts the full force of CoreLogic data and analytics at your fingertips. Our team works with you to analyze, model, and evaluate all the mortgages in the pool covered by your proposed MSR agreement—then produces a Portfolio Analysis of Mortgage Servicing Rights Report that includes:
The result of multiple simulations, data and graphs showing projected collateral CPR (Prepayments), CDR (Defaults), Severities (Loss-Given-Defaults), Cumulative Losses, Cumulative Loss Percentages, and Cumulative 60+ Days Delinquent Percentages
Sample model inputs for future home prices (CBSA & state levels) and interest rates showing likely future market influences on a collateral property’s valuation
Ten-year graph showing likely future transitions in collateral loan status (Current, 30 Days DQ, 60 DQ, 90+ DQ, Foreclosure, Short Sale, REO)
Comprehensive analysis of MSR’s valuation includes:
These data can give you a precise sense of the accuracy of an MSR valuation prior to making a bid. With MSR margins as thin as they are, overpaying may be worse than losing a bid.
Our Advisory Services team analyzes the lien status of the properties in your portfolio, designs a strategy to guide your ALLL compliance, and deploys CoreLogic data and analytics to evaluate your junior-lien credit exposure. We then deliver a comprehensive report that:
The Advisory team can continue to deliver periodic refreshes and updates to the original report quarterly or semi-annually.
In addition to giving you a template for ongoing ALLL compliance, our results improve your accuracy in calculating the financial impact of compliance and setting appropriate loss reserves.
Since this new market is awash in variables, however, valuation is a significant challenge. Our REO-to-Rental Portfolio Analytics give you the reliable information you need to assess REO rental opportunities and judge your likely success if you decide to take part. We do this by combining data and analytics from many CoreLogic sources into a single comprehensive view of potential current and future REO-to-rental portfolio returns.
Our Advisory Services team delivers an evaluation of the rental potential of REO properties in the provided portfolio that includes:
In the future, the Advisory team can update this data monthly, quarterly, or annually.
The Basel III guidelines include a heavy focus on residential mortgages and related balance sheet assets, emphasizing capital reserve requirements for specific loan types and mortgage servicing rights valuations.
Our Basel III Portfolio Analysis services provide turnkey analytics to assess your portfolio’s current LTVs, its overall risk, and its current MSR valuation (our MSR model lets you include your own interest rate, market forecast, and delinquency assumptions).
Our Advisory Services team delivers results in four categories that together support a comprehensive strategy for successful adherence to the new guidelines:
summarizing bank portfolio risk by geography, origination date, and additional criteria that support comprehensive risk analysis of the portfolio
developed by industry-expert Advisory consultants with specific experience valuing mortgages and related assets—including non-standard mortgage vehicles, mortgage servicing rights (MSRs), and portfolio risk assessment
Most banks have established internal methodologies for assessing mortgage risk and valuing MSRs—but bank regulators increasingly request verification from a third-party perspective. The potential costs of a negative regulator compliance assessment can be much greater than investing in a comprehensive “outside” view of your mortgage-related portfolio.
Traditional consultancies often feature business generalists with impressive academic credentials but little on-the-ground experience. To offset any doubts this might engender, they may follow rigorous, multi-step roadmaps in executing their engagements.
We approach consulting differently. We have the academic credentials—but we also have broad and deep real-world experience. This experience lets us recognize business patterns early and find an appropriate solution quickly. We concentrate our efforts on realizing this end solution rather than on checking off the boxes of a text-book process.
Our engagements target actual solutions early, leaving time to review our results, assess their implications, and implement workflow enhancements—without losing your competitive advantage.
The Advisory Services approach—targeting post-crisis challenges, teams composed of accomplished experts, assisting from end-to-end, using industry-leading CoreLogic data/ analytics/modeling tools—can adapt easily to your unique challenge, no matter how unprecedented it is.
Give us a call or send us an email—we’ll be happy to help you think your project through, determine what you want to do, and decide whether you need outside help to do it.
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