Offering mortgage loans certainly helps credit unions become their members’ primary, trusted financial partner. However, credit unions that sell the mortgage servicing rights to the secondary market are giving up the opportunity to gain a greater profit and more importantly, a chance to build the strong ties to members that come with being their exclusive financial service provider.

Now more than ever presents the opportune time for credit unions to consider retaining MSRs. And, for credit unions currently without lending operations, it is a great time to either re-enter or launch a mortgage lending department, as the demand from consumers is high and there is no better way to gain long-lasting, loyal members than to serve them as homeowners. Servicing in-house gives credit unions ultimate control of the loans and the service their members receive. With sub-servicers or third-party servicers, there is no way to guarantee that member attention is in line with the standards your credit union strives to set.

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