Mortgage Origination and Pricing

Mortgage lenders continue to operate in a complex regulatory environment while striving to add efficiencies, reduce risks, and develop strategies to gain a competitive advantage in a highly commoditized market. Originators are seeking sustainable plans to enhance and optimize margins while navigating through changing regulatory requirements and the changing face of housing finance.

PwC can assist clients with various facets of mortgage originations and pricing. Our areas of expertise include:

  • Mortgage product launches – portfolio, GSE, and government products
  • Mortgage process improvement and redesign
  • Regulatory compliance - CFPB, QM/ATR, QRM, and Basel III
  • Development of mortgage origination/pricing policies & procedures
  • Price optimization strategies
  • Warehouse lending credit line optimization strategies
  • Loan economic attribution analysis
  • Implementation of origination risk management programs in areas of quality assurance, quality control, third-party management, and fraud prevention & detection
  • Mortgage technology implementation and vendor application integration
  • Establishment of a Business Intelligence framework – data analytics, reporting, KPIs, employee scorecards, and management dashboards

 

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