Valuation of Loan Servicing

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Valuation of Loan Servicing

We provide servicing valuations to more than 400 clients and serve more community financial institutions than any other firm.

We have provided mortgage servicing rights fair value estimates since we established the firm in 2003. Over these two decades, we have acquired deep knowledge of the valuation nuances and accounting and regulatory reporting requirements related to true sale, participating interests, and servicing rights. We regularly offer advice in this area to the country’s largest public accounting firms. In addition, we are held in high esteem by the banking regulators, for which we regularly lead trainings.

We offer a comprehensive set of services, including valuations of servicing backed by:

RESIDENTIAL MORTGAGE SERVICING RIGHTS

We provide a comprehensive and cost-effective approach to the valuation of mortgage servicing rights (MSRs). In addition to valuing the servicing rights, we also provide help with the initial and ongoing accounting providing a truly turnkey solution.

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SBA 7(A) LOAN SERVICING

We are the nation’s second largest provider of valuation and accounting services related to the sales of the guaranteed portion of Small Business Association 7(a), or SBA 7(a), loans. Our clients include the largest SBA loan originators in the country.

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SBA 7(A) GAIN ON SALE

We are the nation’s second largest provider of SBA 7(a) loan sales accounting calculations and offer a cost-effective turnkey solution.

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OTHER CONSUMER LOAN TYPES

We are one of the few valuation firms in the nation with the ability to value the servicing rights that arise from the sales of other consumer loan types, including auto, healthcare, home improvement, HELOC, solar, and student loans.

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COMMERCIAL SERVICING

We are one of the few firms with the knowledge to credibly value the servicing rights that arise from the sales of commercial, agricultural, and multi-family loans to the GSEs and servicing arising from sales of commercial real estate (CRE) loan participations.

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FEATURED

Mortgage Servicing Rights Valuation – Input Assumption & Shocks [White Paper]

This April 2023 white paper provides insight into the valuation of mortgage servicing rights (MSRs) and the key assumptions used to value them.

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WHAT OUR CLIENTS SAY

“Wilary Winn’s customer service is at the top of their respective field. The team at Wilary Winn is able to navigate a complex servicing asset valuation and provide feedback that […]”

– Matt Mullet, Executive Vice President & Chief Financial Officer, 1st Security Bank of Washington – Mountlake Terrace, WA