Updates
The first quarter of 2025 brought insightful discussions from industry experts in the Loan Vision Banks & Credit Unions Webinar Series. Whether tackling mortgage profitability challenges or exploring pricing strategies, these webinars delivered actionable takeaways for financial institutions navigating an ever-evolving market.
As profitability pressures mount, banks and credit unions are looking for ways to reduce expenses while maintaining strong loan volume. This session, led by industry experts Peter Benjamin, CMB®, and Ali Nassirian, CMB®, AMP, tackled some of the biggest questions on lenders' minds:
💡 “What’s the biggest mistake lenders make when tracking cost per loan?”
➡ Many institutions fail to look beyond direct costs, missing hidden inefficiencies in operational workflows, technology usage, and even loan officer performance. The panel emphasized that a holistic approach—including reviewing staffing, software tools, and investor fees—is key to truly understanding cost per loan.
💡 “How do we balance profitability and loan officer compensation?”
➡ A data-driven approach is crucial. The discussion highlighted how successful institutions evaluate performance with clear KPIs, tying compensation structures to both volume and quality, rather than just production numbers.
💡 “Where can banks and credit unions cut costs without sacrificing service?”
➡ The experts pointed to better automation and workflow optimization as essential tactics, allowing lenders to handle higher loan volume with leaner teams.
Understanding cost per loan isn’t just about tracking expenses—it’s about optimizing efficiency at every level of your organization to drive profitability.
With mortgage rates fluctuating and competition tightening, pricing strategies have never been more critical. Loan Vision’s VP of Sales Brian Friedman was joined by Mortgage Capital Trading (MCT) experts to break down the latest trends in Mortgage Servicing Rights (MSR) valuation and advanced pricing strategies:
Attendees came ready with hard-hitting questions:
💡 “How can smaller financial institutions compete with larger lenders on pricing?”
➡ The panel emphasized that dynamic pricing strategies—leveraging market data in real time—help institutions stay competitive without sacrificing margin.
💡 “What are the biggest risks in MSR valuation today?”
➡ Servicing costs, prepayment speeds, and regulatory changes were key concerns. MCT’s experts stressed the importance of frequent MSR portfolio evaluations to stay ahead of market shifts.
💡 “Should we prioritize volume or margin in this market?”
➡ The answer isn’t one-size-fits-all. Instead, lenders should analyze their cost structure, market positioning, and long-term strategy to strike the right balance between profitability and growth.
Institutions that embrace data-driven pricing strategies and MSR expertise can gain a competitive edge—even in today’s challenging mortgage environment.
Keep Learning with Loan Vision!
These webinars are just the beginning! Loan Vision hosts monthly sessions designed to help banks and credit unions improve efficiency, increase profitability, and stay ahead of market trends.
Join us each month by visiting our Upcoming Events page: https://www.loanvision.com/upcoming-events
Don’t miss your next opportunity to gain expert insights and optimize your mortgage operations!
As Loan Vision’s Director of Marketing, Danielle “Dani” Coley oversees all aspects of the marketing function of the Loan Vision Go-To-Market (GTM) team, including, but not limited to: Demand Generation strategy implementation, pipeline budget and forecasting, vendor partner management, and Loan Vision Brand Strategy. Dani, as she is affectionately called, also oversees all corporate and educational events, including the annual Loan Vision User Conference, annual Client Appreciation Dinner, and User Advisory Council, among others. Prior to Loan Vision, Dani has spent the last 10 years working in both agency and corporate marketing spaces, spanning everything from political fundraising and EdTech, to mortgage banking and SaaS platform lead gen. Outside of her work, Dani is an eclectic soul, with a passion for film, photography, and international travel. Dani resides in Decatur, GA (by way of Norfolk, VA) where she lives with her only son, Isaiah – a rising freshman at her alma mater, Norfolk State University.
