Introduction to Mortgage Servicing Training - October 2023

Internal Use Only

Prudential Servicing Standards

Base Liquidity is the sum of: Enterprise Servicing • Scheduled/Scheduled: 7 bps

• Scheduled/Actual: 7 bps • Actual/Actual: 3.5 bps

Ginnie Mae Servicing: 10 bps PLS & Other Servicing: 3.5 bps

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Internal Use Only

Prudential Servicing Standards

Origination Liquidity 50 bps of: • Loans Held For Sale, PLUS • Pipeline Loans with Rate Lock Commitments (after fallout adjustments) Check your state statutes/regulations to see if they exclude companies with <$1 billion in originations in the last four quarters.

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