After years of high interest rates, and price spikes, mortgage lenders are optimistic heading into 2025. Fannie Mae predicts a 28% increase in mortgage originations to $2.1 trillion. The Mortgage Bankers Association (MBA) also predicts that total origination volume will increase by 28.5% to $2.3 trillion.

Alongside that, Fitch expects mortgage servicing rights (MSR) amortization costs and write-downs to increase with higher pre-payments. This could negate any profit potential from increased loan volume. To combat this, lenders should retain their servicing rights to collect the maximum amount of revenue throughout the loan’s life. Retaining servicing also details ⇒

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