One of the things that makes modeling loan and MSR cash flows hard is appropriately applying assumptions to individual loans. Creating appropriate assumptions for each loan or MSR segment is

And why it's probably less expensive than you think Mortgage servicing rights (MSRs) are complex and volatile assets that require careful management and analysis. Inherent in MSR risk management is

While mortgage rates remain stubbornly high by recent historical standards, accurately forecasting MSR performance and valuations requires a thoughtful evaluation of loan characteristics that go beyond the standard "refi incentive"