The Servicing Decision: Volume 2 helps mortgage leaders evaluate what to retain, what to release, and how to align servicing with long-term strategy.

ENGLEWOOD, Colo., Nov. 10, 2026 /PRNewswire/ — Richey May has released The Servicing Decision: Volume 2, a new executive guide designed to help mortgage lenders make more deliberate decisions about retaining or releasing servicing.

Day-one execution analysis can compare prices, but it cannot fully account for the long-term impact on liquidity, earnings, borrower relationships, capital allocation, and operational capacity. The guide, written by expert Seth Sprague, CMB, provides a balanced framework for determining which loans fit an institution’s strategy and which may be better suited for release.

“The servicing decision should not be driven by day-one execution alone. Lenders need a clear strategy for which loans they want to retain, grounded in their liquidity, customer objectives, capital position and operational capacity. The strongest approach is not always to retain or always to release, but to make each decision deliberately and understand its long-term impact on the business,” said Seth Sprague, CMB, Director, Mortgage Banking Consulting Services at Richey May.

Readers will explore five execution pathways, considerations for different types of institutions, common risks and pitfalls, and the Four Cs of retained servicing: cash, customer, capital, and capacity. The guide emphasizes that neither retention nor release is universally right. The goal is a disciplined, well-documented strategy aligned with the organization’s economics, customer objectives, risk tolerance, and long-term goals.

Mortgage banking executives can download The Servicing Decision: Volume 2 below or find Richey May at the Mortgage Bankers Association Accounting and Financial Management Conference for a hard copy to evaluate their current approach and strengthen ongoing servicing decisions.

Download the guide

About Richey May

Richey May is a Top 50 provider of assurance, tax, and advisory services with more than 40 years of experience serving the mortgage banking industry. Known for its client-focused approach and deep industry knowledge, the firm delivers responsive, local service nationwide through a comprehensive suite of specialized financial and advisory solutions.

To learn more, visit RicheyMay.com.

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SOURCE Richey May