Introduction to Mortgage Servicing Examinations Training

Mortgage Servicing Rights, Nationwide MSR Valuation Index

Filing Quarter

Net MSR Ratio

2021Q1 2021Q2 2021Q3 2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3 2023Q4 2024Q1 2024Q2 2024Q3 2024Q4

1.13% 1.07% 1.14% 1.19% 1.69% 1.60% 1.61% 1.62% 1.59% 1.65% 1.57% 1.61% 1.72% 1.62% 1.56% 1.70%

Net MSR Ratio Charts

Net MSR Ratio (A160/(LS020+LS040))

2.0%

1.8%

1.6%

1.4%

1.2%

1.0%

0.8%

0.6%

0.4%

0.2%

0.0%

Filing Quarter 2021Q1 2021Q2 2021Q3 2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3 2023Q4 2024Q1 2024Q2 2024Q3 2024Q4 N.T. this line chart shows whether or not the company changes their MSR valuation model. A flat trend of the line means this company doesn't change the way to calculate value of MSR. A slope means the company had changed the way of calculating the MSR value.