During Stratmor’s recent Advisory Angle Panel Discussion, a key theme emerged around how Independent Mortgage Bankers can improve profitability and resilience in a challenging market. Panelists emphasized that IMBs should adopt the same playbooks used by mega-lenders—most notably by retaining servicing in-house and diversifying revenue streams. Importantly, the panel noted that lenders do not need to be market movers or mega-sized institutions to successfully implement these strategies.
The discussion highlighted that IMBs that retained servicing were approximately 50% more profitable in 2025 than those that did not. Retaining servicing creates recurring revenue, strengthens borrower relationships, and helps offset market volatility. As margins remain compressed, these strategies are increasingly viewed as essential to long-term sustainability. Technology plays a key role, and platforms like MortgageFlex can help IMBs execute these strategies efficiently without adding unnecessary complexity. We look forward to continuing the conversation—connect at with John McCrea at IMB 2026 in Amelia Island.
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