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» VISIT US ONLINE @ DSNEWS.COM 55 LENDER/SERVICER PROFILE JPMorgan Chase MEGA-SERVICER Sources: Fitch Ratings (12/20/2013), Standard & Poor's (6/4/2013), Moody's Investors Service (12/2012), JPMorgan Chase (1/14/2014) Take a look inside the numbers S T A T E S S E R V I C E D * KEY TECHNOLOGY Servicing: LPS' Mortgage Servicing Package (MSP) RECOGNITION » No. 1 among the largest banks in the 2013 J.D. Power Mortgage Origination Satisfaction Study » No. 5 overall in the 2013 J.D. Power Mortgage Origination Satisfaction Study » No. 2 mortgage servicer based on Inside Mortgage Finance (as of 3Q13) KNOW THIS JPMorgan Chase has hired over 6,300 military veterans since 2011 as a proud founding member of the 100,000 Jobs Mission. VERBOSITY "We have helped nearly 1 million homeowners in the most difficult years since the Great Depression . . . . We have also invested in improving our processes and systems to help families achieve and sustain the American dream of homeownership." -Kevin Watters, CEO of Mortgage Banking COMPANY VITALS Headquarters: New York, New York Phone: 212.270.6000 Online: JPMorganChase.com JPMorgan Chase provides services to millions of consumers in 60 different countries through investment banking, financial services, small business and commercial banking, financial transaction processing, asset management, and private equity. As one of the oldest financial institutions, JPMorgan Chase dates back more than 200 years. Dimon was pleased to have made significant progress on "control, regulatory and litigation agendas" in 2013. The firm also raised more than $2.1T in capital for their clients and continue to make a positive impact on communities. Source: Q4 2013 Earnings Press Release COMPANY'S LATEST October 28, 2013 JPMorgan Chase Foundation Provides $6.3M to Nonprofits to Help Struggling Americans Access Safe, Affordable Housing JPMorgan Chase (NYSE:JPM) announced today its Foundation is providing $6.3 million in grants to help people gain access to safe and affordable housing. Programs will help first-time homebuyers prepare for homeownership, develop affordable housing in low- and moderate- income communities, and prevent homelessness, particularly among veterans. These grants will allow nonprofits serving some of the most vulnerable populations in the U.S. to expand existing programs, test new ideas, and deliver critical services to new communities. -Business Wire November 21, 2013 JPMorgan Chase Donates $100,000 to the American Red Cross for the Midwest Tornado and Storms Fund JPMorgan Chase today announced a donation of $100,000 to support residents as they begin the difficult recovery after tornadoes and storms swept through communities in Illinois and Indiana. The grant will go to the American Red Cross for their Midwest Tornado and Storms fund, earmarked for those communities. -Business Wire SERVICER RATINGS Fitch Ratings: Residential Primary Servicer- RPS2+ >> Residential Special Servicer- RSS2+ >> Residential Master Servicer- RMS2 Moody's Investors Service: Primary Servicer, Prime- SQ2 >> Primary Servicer, Subprime- SQ2- >> Residential Master Servicer- SQ2+ Standard & Poor's: Residential Mortgage Servicer- AVERAGE >> Residential Subprime Servicer- AVERAGE >> Residential Special Servicer- AVERAGE KEY PERSONNEL Kevin Watters CEO of Mortgage Banking Matthew Zames COO and Head of Mortgage Banking Capital Markets Staffing » Servicing staff: 18,000 + » Servicing sites: 16 SERVICING SUMMARY Portfolio Stats » Residential servicing portfolio: $1.06T As of June 30, 2013 As of June 30, 2013, Chase's mortgage servicing portfolio was comprised of over 7.3 million loans totaling $1.06 trillion, with 7.7% non-agency prime product, 1.7% Alt-A product, 3.9% subprime product, 17.7% HELOC product, and 2.5% closed-end second lien product by loan volume. Option ARMs made up 2.3% of the servicing portfolio. Chase's special servicing portfolio was comprised of over 26,000 loans totaling $2.3 billion and its master servicing portfolio was comprised of over 48,000 loans totaling $14.8 billion. Third-party servicing: » MSRs: 9.6B Portfolio Growth Loan Count » June 2013: 7.3M » 2012: 7.4M » Period Change: -1% Unpaid Principal Balance (UPB) » June 2013: $1.06T » 2012: $1.05T » Period Change: +1% MSRs » 2013: $9.6B » 2012: $7.6B » Annual Change: +26% Delinquency Stats » Total Prime Delinquency Rate: 5.49% Loss Mitigation Stats » Provided loan modifications to more than 610,000 homeowners since 2008 » Nearly 1 million foreclosures prevented since 2009 » An average of $118,000 was forgiven to facilitate a short sale for those who could not afford a modified payment. California, Florida, Texas New York, Illinois