My cat Myrtle never turns down a good helping of enchanting, diced, barbequed beef. (Sorry vegetarians: La Principessa is a carnivore.) I realize that Easter is still ahead of us, and summer a few months off, but who hasn’t driven by a field full of cattle in the heat and seen them standing in the shade? A shaded, comfortable steer produces more meat. No shade impacts profitability. Where am I going with this? Banks earn income by taking money from you and me, and business accounts, and lending it out to home and car buyers, people establishing businesses and so on. If people and companies are tired of earning near 0 percent on their bank deposit and putting their money in money market accounts instead, eventually banks have less money to lend out, things change. No money impacts profitability. (Today’s podcast can be found here and this week it’s sponsored by Milestones. Giving homeowners an all-inclusive homeownership experience including home value and equity monitoring, home maintenance reminders and how-to articles, cloud-based document storage, one-click access to hire professionals for various projects around the home, and much more. Listen to an interview with Regal’s Alex Levin on how lenders can engage in worthwhile calling and texting campaigns.) Lender and Broker Services and Software Does your credit union have a MSR portfolio that has grown over the last three years? Or have you simply been considering retaining servicing? If you answered “yes” to either, you won’t want to miss Optimal Blue’s upcoming ACUMA Inside Track webinar. Plan to join us on Tuesday, April 11, for “Exploring MSR Valuations.” This highly informative and timely webinar will feature industry experts from Optimal Blue as they discuss the many different assumptions that factor into MSR valuations. This session will also dive into the different valuation methods available in today’s fluid MSR valuation marketplace. With today’s volume challenges, it’s never been timelier to focus on maximizing this valuable cash asset to retain the most profitable loans in your pipeline. Save your seat for the webinar today!