Gain Clarity Into MSR Assets
Uncover actionable insights with transparent, data-driven valuation tools that simplify the complexity of mortgage servicing rights and support smarter decisions.
MSR Valuation
Accelerate growth with Optimal Blue’s
Accelerate growth with Optimal Blue’s
MSR solutions.
Connect timely MSR valuation, hedge intelligence, and execution analysis across the capital markets life cycle.
Scalable, data-driven valuation products tailored to your business – whether you're entering capital markets or managing a complex servicing portfolio.
Over 70%
of servicing assets valued by the majority of U.S. servicers who rely on Optimal Blue
$401.43
Average client-reported financial impact per loan¹
Over a third
of U.S. mortgage price locks supported by Optimal Blue technology
Nearly 40%
of loans sold into the secondary market supported by Optimal Blue technology
¹ Average reported financial impact per loan associated with Optimal Blue’s advanced hedging and secondary marketing capabilities. Source: 2026 Optimal Blue Operational and Financial Impact Study, MarketWise Advisors, LLC. Based on client-reported survey results. Neither MarketWise Advisors, LLC, nor Optimal Blue provides any warranty or representation on performance. Individual performance will vary.
Why MSR value matters
What are mortgage servicing rights, and why does their
What are mortgage servicing rights, and why does their
value matter?
Gain greater visibility into MSR portfolios to inform profitable decision-making.
A mortgage servicing right, or MSR, is the right to service a mortgage and receive the associated servicing income. Servicing can include collecting payments, managing escrow, communicating with borrowers, and completing required reporting. The servicing right can be retained or transferred separately from the loan, and its value can affect pricing, profitability, liquidity, and risk throughout the mortgage life cycle.
Optimal Blue brings MSR valuation into the daily capital markets workflow, helping lenders, servicers, and investors evaluate servicing assets with greater granularity, consistency, and control.
Learn how mortgage servicing rights work
As mortgage servicing rights occupy larger portions of balance sheets, Optimal Blue’s MSR solutions provide critical portfolio insight to support more informed valuation, risk, and portfolio decisions.
Gain actionable insights into MSR performance relative to servicing activity, market movement, and projections.
How does MSR valuation support capital markets decisions?
Apply consistent MSR assumptions across front-end pricing, pipeline mark-to-market, retained-versus-released analysis, capitalization, and portfolio valuation.
- 01PriceBring servicing value into ratesheet and base price decisions.
- 02MarkInclude loan-level servicing value and rate sensitivity in daily marks.
- 03DecideCompare retained and released execution alternatives.
- 04HedgeEvaluate rate sensitivity, offsets, and shock results.
- 05ManageTest portfolio assumptions and market scenarios before acting.
Platform capabilities
Maximize the full potential of
Valuation
Daily visibility
Risk alignment
Maximize the full potential of
your MSR portfolios.
Uncover actionable insights with transparent, data-driven valuation tools that simplify the complexity of mortgage servicing rights.
Customize Assumptions With Precision
Control key modeling variables like prepayment speeds, credit risk, and float to match your portfolio strategy.
Leverage Broker Market Intelligence
Ensure valuations reflect real-time market dynamics with inputs from active MSR brokers.
Monitor Loans With Daily Valuations
Access granular, loan-level insights daily to support retain/release decisions and pipeline management.
Track Performance in Real Time
Sync with servicing systems for continuous visibility into MSR performance and exposure.
Integrate Seamlessly With Hedge Tools
Align valuation with risk management through direct integration with Optimal Blue’s hedge analytics and trading platforms.
Minimize Financial Statement Volatility
Reduce impairments and surprises by aligning origination and servicing valuations across your portfolio.
Proven financial impact
Drive measurable value across secondary marketing.
Optimal Blue’s advanced hedging and secondary marketing capabilities help lenders strengthen execution, optimize trades, improve MSR valuation, and enhance mark-to-market reporting.
Client-reported average
$401.43
Average client-reported financial impact per loan associated with Optimal Blue’s advanced hedging and secondary marketing capabilities.
Source: 2026 Optimal Blue Operational and Financial Impact Study, conducted by MarketWise Advisors, LLC.
Connected capital markets intelligence
One connected view of
One connected view of
MSR value and risk.
Connect hedge analytics with post-lock workflows to make more informed decisions when market conditions or loan terms change.
Valuation
Generate granular cash flow valuations using configurable assumptions, loan-level adjusters, market inputs, and scenario analysis.
Decisions
Apply servicing economics to pricing, pipeline marks, capitalization, and acquisitions.
Risk
Evaluate rate sensitivity, key-rate durations, shock results, hedge offsets, and changes in servicing value.
Execution
Compare investor pricing, alternative bids, remittance structures, and servicing-retained executions.
Bring hedge economics into post-lock decisioning
Evaluate hedge impact without switching between systems.
Optimal Blue connects CompassEdge hedge analytics with Optimal Blue® PPE post-lock workflows, helping authorized users evaluate hedge impact while reviewing price concessions, extensions, and other change requests without switching between systems.
Inline visibility
- Hedge cost
- Mark-to-market price
- Price movement since lock
- Day-one and effective margin
Tailor solutions to your scale
Which Optimal Blue MSR valuation solution fits your business?
From emerging servicers to enterprise portfolios – choose valuation tiers that fit your business.
MSR Pulse
Daily servicing portfolio valuation summary report using broker-managed assumptions for fast, reliable insights.
- Valuation
- Daily portfolio summary
- Assumptions
- Broker-managed
Loan-Level Pipeline MSR
Loan-level valuations for pipeline marks and retain/release decisions using lender-specific assumptions managed by an MSR broker.
- Valuation
- Loan-level, pipeline
- Assumptions
- Lender-specific, managed by an MSR broker
Loan-Level Portfolio MSR
Loan-level portfolio valuation with servicer-specific assumptions managed by MSR brokers, including evaluation of the need to hedge the MSR portfolio.
- Valuation
- Loan-level, portfolio
- Assumptions
- Servicer-specific, managed by MSR brokers
MSR Pro
Licensed analytics for servicers maintaining their own assumptions and prepayment models, including daily loan- and scenario-level MSR valuations, MSR hedging, enterprise reporting, and MSR bidding for aggregators and co-issue buyers.
- Valuation
- Daily loan- and scenario-level
- Assumptions
- Your own assumptions and prepayment models
MSR valuation questions
Common questions about mortgage servicing rights.
Start with the fundamentals, then explore the Optimal Blue resources and solutions that support deeper valuation and strategy decisions.
What are mortgage servicing rights?
A mortgage servicing right is the right to service a mortgage and receive the associated servicing income. The servicer handles responsibilities such as collecting payments, managing escrow, communicating with borrowers, and completing required reporting.
Explore the MSR guideWhat factors affect MSR valuation?
MSR valuation can reflect servicing income and costs, prepayment behavior, discounting, credit and delinquency considerations, float, market inputs, portfolio activity, and the assumptions applied to the asset. The appropriate inputs depend on the valuation purpose and portfolio strategy.
Watch MSR 101How do interest rates affect MSR valuations?
Interest-rate changes can alter expected refinance and prepayment behavior, the projected life of servicing cash flows, and the risk profile of an MSR portfolio. Scenario analysis helps teams evaluate how changing rates and assumptions may affect value.
Watch MSR 201How can MSR valuation support retain-versus-release decisions?
Loan-level MSR valuation helps lenders compare immediate released-servicing proceeds with the potential long-term economics of retaining servicing. The decision can also reflect liquidity needs, operational capacity, market pricing, borrower strategy, and servicing assumptions.
Compare Optimal Blue solutions
MSR series
Understanding MSR value in
Understanding MSR value in
today’s market.
From valuation drivers to retain-versus-release decisions, explore how lenders are approaching MSR strategy right now.
Insights and resources
Go deeper on MSR valuation
Independent study
On-demand webinarOn-demand webinar
White paper
Go deeper on MSR valuation
and strategy.
Research, on-demand sessions, and events from Optimal Blue’s MSR experts.
Optimal Insights Blog
MSRs in Motion: What’s Next in a Shifting Market
MSRs influence more than servicing strategy – they shape pricing, hedging, liquidity planning, and retain-or-release decisions. Explore what’s changing in today’s split MSR market and why valuation discipline matters more than ever.
Independent study2026 Operational and Financial Impact Study
An independent study by MarketWise Advisors, LLC quantifying how Optimal Blue helps lenders improve execution, reduce risk, and deliver measurable financial and operational impact.
Explore the StudyOn-demand webinarMSR 101: How to Value the MSR Asset
Optimal Blue experts explain the key assumptions behind MSR valuations and the methods used in today’s dynamic market.
Watch the RecordingOn-demand webinarMSR 201: The Impact of Interest Rate Moves on Servicing Valuations
Gain a thorough understanding of how interest rates impact MSR valuations and how industry professionals use servicing risk metrics.
Watch the RecordingWhite paperMSR Broker Integration
Bring visibility and timeliness to MSR Valuations, front-end pricing, and risk management.
Download White Paper
Part of the end-to-end capital markets platform
Innovation across the
Innovation across the
Optimal Blue ecosystem.
In Comergence
Solution Center
Discover, connect, and grow with the mortgage industry’s most comprehensive partner marketplace
The Solution Center empowers originators, partners, and investors to find and activate the tools and services they need – all in one place.
Read Press ReleaseIn the Optimal Blue PPE
Best Efforts Direct Lock
Eliminate manual locking steps and accelerate efficiency through automation
Automate direct best-efforts locking with participating investors via API to eliminate manual steps, improve accuracy, and boost efficiency throughout the locking life cycle.
Read Press ReleaseIn CompassEdge
Competitive Trade Blotter and TBA Trade Integrations
Modernize TBA trading and broker-dealer pricing – no manual outreach or fragmented workflows.
Execute trades, track broker performance, and connect with any platform directly within CompassEdge for faster, more accurate, and transparent trading.
Read Press Release
Modern technology. Proven mortgage expertise.
Ready to see it
Ready to see it
in action?
Experience the power of Optimal Blue’s MSR solutions firsthand.
- Daily, loan-level MSR valuations
- Direct integration with Optimal Blue’s hedge analytics and trading platforms
- Valuation tiers from emerging servicers to enterprise portfolios
Talk to an MSR expert.
Complete the form and an Optimal Blue team member will follow up.
