Nationstar Mortgage Holdings Inc.  (NSM)
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Nationstar Mortgage Holdings Inc. Segments


Business Segments II. Quarter
(in millions $)
(Jun 30 2018)
(of total Revenues)
II. Quarter
(in millions $)
(Jun 30 2018)
(Profit Margin)
444.00 100 % 58.00 13.06 %

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Growth rates by Segment II. Quarter
Y/Y Revenue
(Jun 30 2018)
Q/Q Revenue
II. Quarter
Y/Y Income
(Jun 30 2018)
Q/Q Income
3.98 % -24.49 % 2800 % -63.75 %

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  Nationstar Mortgage Holdings's

Business Segments Description

We are one of the largest residential mortgage servicers in the United States conducting operations through our Nationstar Mortgage and Champion Mortgage brands. As of December 31, 2015, we service 2.5 million customers with an aggregate outstanding principal balance in excess of $402.6 billion. As of December 31, 2015, we are the largest non-bank servicer and the fourth largest residential mortgage servicer.

Servicing primarily involves loan administration, payment processing, mortgage escrow account administration, collection of insurance premiums, response to homeowner inquiries, loss mitigation solutions including loan modifications and supervision of foreclosures and property dispositions on behalf of the owners of the loans. These activities generate reliable and recurring revenues and cash flows. Revenues primarily consist of servicing fees which are generally expressed as basis points of the outstanding unpaid principal balance (UPB) and ancillary revenues (e.g., late fees, modification fees, incentive fees). Our servicing portfolio may be segregated into the following components:

MSRs - Fair Value consists of rights we own and record as assets to service traditional residential mortgage loans for others either as a result of a purchase transaction or from the sale and securitization of loans we originate. We have elected to mark this portfolio to fair value each quarter. Due principally to servicer advance requirements, MSRs - Fair Value require capital and liquidity; however, such advances are generally financeable. Our rapid growth has been driven by the purchase and origination of MSRs. MSRs - Fair Value account for 86.8% of UPB of our total portfolio as of December 31, 2015.

Subservicing consists of forward residential mortgage loans we service on behalf of others who are MSR or mortgage owners; therefore, no subservicing asset is recorded in our consolidated financial statements. Since we are not the owner of the servicing rights, we have limited advance obligations and as a result the capital requirements are minimized.

MSRs - LOCOM consists of rights to service reverse residential mortgage loans, owned by Fannie Mae, Ginnie Mae and private investors. We elected to record MSRs LOCOM at the lower of cost or market. Similar to our MSR - Fair Value portfolio, we temporarily advance funds as required under the applicable servicing standards.

MSRs - Fair Value consist of both credit sensitive MSRs, primarily acquired through bulk acquisitions, and interest rate sensitive MSRs, principally consisting of MSRs acquired via flow transactions or transferred from our origination activities. For MSRs marked at fair value that are interest rate sensitive, servicing values are typically correlated to interest rates such that when interest rates rise, the value of the servicing portfolio also increases principally as a result of expected lower prepayments. The value of credit sensitive MSRs are less influenced by movement in interest rates and more influenced by changes in loan performance factors which impact involuntary prepayment speeds.

For each loan we service, we utilize a customer-centric model designed to increase borrower repayment performance with a view towards home ownership preservation and to decrease borrower delinquencies and defaults on mortgage portfolios. Keys to this model include frequent borrower interactions and utilization of multiple loss mitigation strategies particularly in the early stages of a default. We train and empower our individual customer service representatives to find solutions that work for homeowners when circumstances allow. This commitment to continued home ownership helps preserve neighborhoods and therefore home values, as well as improves asset performance for our investors.

We primarily originate conventional residential mortgage loans through both the Greenlight Financial Services (Greenlight) and Nationstar Mortgage brands. We are licensed and qualified to originate in all fifty states and the District of Columbia. As of September 30, 2015, we are the eighteenth ranked residential loan originator funding $18.0 billion.

We primarily market mortgage products to existing servicing customers and customers of homebuilders as well as participate in the correspondent market. Since 2012, we have been principally focused on refinance solutions for our existing servicing customers. We earn an up-front fee for processing the loan application which covers the costs of securing the loan application and underwriting. The loan origination market is sensitive to interest rate movements as typically loan applications increase as interest rates fall.

We believe an integrated originations platform provides us with a competitive advantage for several reasons including (i) a servicing portfolio retention source by providing refinancing services to existing servicing customers; (ii) an organic source of servicing assets at attractive returns; and (iii) a loss mitigation solution for servicing clients and customers by offering refinancing options to borrowers allowing them to lower their monthly payments which may lower their risk of defaulting.

We utilize warehouse facilities to fund originated loans. To both mitigate credit risk and minimize the capital required, we sell loans within approximately 30 days of funding while retaining the associated MSRs.

Xome (pronounced "Zome") is a residential real estate services and technology company created to perfect the residential real estate transaction experience for consumers and real estate professionals (including brokers and agents) through service offerings. Xome intends to enhance the real estate buying and selling experience through increased connectivity, transparency, convenience and speed throughout the entire transaction process. Xome is comprised of three business units:

Xome Exchange is a national tech-enabled platform that efficiently manages and sells residential properties. In the last two years, Xome Exchange has sold over 40,000 properties and ranks as a top 5 site for residential real estate sales. Core services include traditional non-distressed sales, REO auctions, short sales and foreclosure trustee sales.

Xome Services connects the major touch points of the real estate transactions process by providing title, valuation, settlement and closing services to consumer and financial institutions. Xome Services includes our Title365 branded offerings. Over the last two years, Xome Services has completed over 560,000 title and close orders and more than 725,000 collateral valuation orders.

Xome Technology and Support provides connectivity for the entire residential real estate market through technology development, data analytics and customer relationship management tools. Xome Technology contains diversified set of businesses including Real Estate Digital (MLS data and broker tools), Quantarium (cutting edge data analytics), GoPaperless (e-signature platform), Xome Signings (notary services), Cerulean (digital marketing) and Xome Labs (product/technology development incubation lab).

We believe that Xome is the only industry participant that has the data, content, services and technologies all together that facilitate and streamline the residential real estate transaction process both for consumers and financial institutions.


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