Mortgage Lending KPIs & Metric Definitions

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KPI's & Data

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First Mortgages Originated: FICO ? 600

The number of first mortgages originated by the bank with a FICO credit score less than or equal to 600 divided by the total number of first mortgages originated over the same period of time...

KPI Type : Quality

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Mortgages Originated with LTV < 80%

The number of mortgages originated by the bank with a Loan-to-Value (LTV) Ratio of less than 80% divided by the total number of mortgages originated over the same period of time, as a percen...

KPI Type : Quality

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Total Volume: Mortgage Loans Originated

The total number of residential mortgage loans originated over a certain period of time.

KPI Type : Volume

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Profit per Loan Originated

The amount of profit generated through loan originations divided by the total number of loans originated over the same period of time.

KPI Type : Revenue

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Default Expense as a Percentage of Total Loan Servicing Expense

The expense related to servicing loans in default (loss mitigation, foreclosures, bankruptcy, etc.) divided by the total expense incurred through servicing loans over the same period of time...

KPI Type : Cost

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Servicing Profit per Loan Serviced

The amount of profit generated from loan servicing over a certain period of time divided by the total number of loans in the bank's servicing portfolio.

KPI Type : Revenue

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Unit Cost: Default Loan Servicing

The expense incurred through servicing loans in default (loss mitigation, foreclosures, bankruptcy, etc.) divided by the total number of loans in default within the bank's servicing portfoli...

KPI Type : Cost

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Mortgage Production Mix: Purchases

The number of first time mortgage loan purchases (rather than refinances, closed-end second mortgages, HELOC, etc.) made divided by the total number of mortgage loans originated over the sam...

KPI Type : Volume

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Days in Loan Warehouse

The number of business days required to sell a loan that is financed by the bank for a third party lender or broker to an investor, from the time the loan is financed until when the loan is...

KPI Type : Quality

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Percentage of Mortgage Loans 60+ DPD

The number of mortgages that are 60 or more days past due (includes mortgages held by bankrupt borrowers) divided by the total number of mortgages managed over the same period of time, as a...

KPI Type : Quality

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Average Loan to Value (LTV) Ratio: Mortgage Loans

The average loan-to-value (LTV) ratio for Mortgage loans in the bank's loan servicing portfolio. Loan-to-value ratio is calculated by dividing the total value of the mortgage by the value of...

KPI Type : Quality

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Complete Mortgage Loan Package Submission Rate

The number of mortgage loan packages submitted to the Credit Operations and/or Underwriting departments with all required documentation in good order (i.e., "complete" submission) divided by...

KPI Type : Quality

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Cycle Time: Mortgage Loan Decision

The number of business days required to approve or deny a mortgage loan application, from the time the underwriter receives the necessary mortgage loan documentation until when the mortgage...

KPI Type : Service

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KPI's & Data

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Percentage of Merchant Accounts with Missing Documents

The number of merchant accounts that are missing documentation divided by the total number of merchant accounts managed at the same point in time, as a percentage.

KPI Type : Quality

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Mortgage Collateral Data Input Error Rate

The number of collateral requests that contain input errors divided by the total number of mortgage collateral requests processed over the same period of time, as a percentage.

KPI Type : Quality

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Mortgage Collateral Management Staffing Ratio

The number of company-wide employees divided by the total number of employees working within the company's mortgage Collateral Management function at the same point in time, expressed as a r...

KPI Type : Organizational

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Mortgage Collections Calls per Delinquent Mortgage

The number of calls to customers made by Mortgage Collections Department employees over a certain period of time divided by the total number of delinquent mortgages in collections at the sam...

KPI Type : Productivity

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Mortgage Early Payment Default (EPD) Rate

The number of mortgage loans that are either 90+ days delinquent or go into default during the first year of payment divided by the total number of mortgage loans managed at the same point i...

KPI Type : Quality

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Mortgage Loan Auto-Decision Rate (Conditional)

The number of mortgage loan applications submitted by borrowers over a certain period of time that are run through an automated underwriting platform to receive a conditional approval/denial...

KPI Type : Quality

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Number of Touchpoints: Mortgage Loan Processing

The number of times that mortgage loan officers or processors must request information or documentation from the borrower before the underwriting/credit operations function has all of the do...

KPI Type : Quality

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Total Employees: Collateral Management

The total number of employees working for the bank or firm who are involved in collateral management for commercial, consumer and mortgage loans at a certain point in time.

KPI Type : Organizational

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KPI's & Data

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Total Employees: Mortgage Lending

The total number of employees working within the bank's Mortgage Lending function (includes loan officers, processors, underwriters and loan servicing staff.) at a certain point in time. Emp...

KPI Type : Organizational

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Total Employees: Mortgage Loan Officers

The total number of mortgage loan officers working for the bank at a certain point in time. Employee headcount may be segmented by function, location, product or team.

KPI Type : Organizational

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Total Revenue: Mortgage Lending

The total revenue generated by the Mortgage Lending function over a certain period of time. Includes revenue from both mortgage loan origination and servicing.

KPI Type : Revenue