Strategic Mortgage Partners
Company Overview
Founded by E. Patrick Cutler, Cutler Consulting is a financial services consulting company
specializing in mortgage banking and the housing market. Our mission is to deliver top quality
products and services that enable our customers to achieve their business goals, increase
profitability and improve competitiveness.
Collectively, our managers have over 60 years of mortgage banking experience. Team
members have been leaders at “Top 10” mortgage lenders, community banks, mortgage
banks, jumbo conduits and start-up operations. We have served on numerous industry
committees and advisory boards.
Qualifications and Experience
Cutler Consulting associates have “real world” experience in mortgage banking. Our
knowledge and expertise come from working for top-tier financial services companies. Our
managers have collectively managed over $650 billion in mortgage volume, achieving a 20 year
average gain on sale of 25 basis points, excluding servicing value and interest margin income.
They are experts in both agency and private investor mortgage securitizations, and have
negotiated and administered sales and servicing agreements with Fannie Mae, Freddie Mac,
Ginnie Mae, RFC, GE Capital and First Union.
Managers have conducted extensive due diligence assignments for mortgage banking
acquisitions. They have negotiated over $20 billion dollars in whole loan transactions to
banks, conduits, insurance companies and Wall Street firms, as both a buyer and seller of
mortgage assets. These transactions included agency conventional, government, and “Scratch
and Dent” loans, along with seasoned portfolios of fixed rate and Arm products. Negotiations
involved portfolio pricing by loan type, interest rate, weighted average maturity, servicing
valuation and risk characteristics.
Our team has extensive regulatory knowledge. Managers have been directly involved in more
than 100 internal, external, and regulatory audits during their careers, achieving an
Outstanding or Satisfactory rating in every audit. Team members participated in the successful
restructuring of Fleet Mortgage Group, developing and implementing an action plan to meet
OCC Safety and Soundness guidelines. Mr. Cutler subsequently served as the featured
speaker at the OCC Large Bank Supervision Conference, presenting his findings on “The
Anatomy of an Ailing Mortgage Company – What Can Go Wrong?”
Find out more about our management team
Founded by E. Patrick Cutler, Cutler Consulting is a financial services consulting company
specializing in mortgage banking and the housing market. Our mission is to deliver top quality
products and services that enable our customers to achieve their business goals, increase
profitability and improve competitiveness.
Collectively, our managers have over 60 years of mortgage banking experience. Team
members have been leaders at “Top 10” mortgage lenders, community banks, mortgage
banks, jumbo conduits and start-up operations. We have served on numerous industry
committees and advisory boards.
Qualifications and Experience
Cutler Consulting associates have “real world” experience in mortgage banking. Our
knowledge and expertise come from working for top-tier financial services companies. Our
managers have collectively managed over $650 billion in mortgage volume, achieving a 20 year
average gain on sale of 25 basis points, excluding servicing value and interest margin income.
They are experts in both agency and private investor mortgage securitizations, and have
negotiated and administered sales and servicing agreements with Fannie Mae, Freddie Mac,
Ginnie Mae, RFC, GE Capital and First Union.
Managers have conducted extensive due diligence assignments for mortgage banking
acquisitions. They have negotiated over $20 billion dollars in whole loan transactions to
banks, conduits, insurance companies and Wall Street firms, as both a buyer and seller of
mortgage assets. These transactions included agency conventional, government, and “Scratch
and Dent” loans, along with seasoned portfolios of fixed rate and Arm products. Negotiations
involved portfolio pricing by loan type, interest rate, weighted average maturity, servicing
valuation and risk characteristics.
Our team has extensive regulatory knowledge. Managers have been directly involved in more
than 100 internal, external, and regulatory audits during their careers, achieving an
Outstanding or Satisfactory rating in every audit. Team members participated in the successful
restructuring of Fleet Mortgage Group, developing and implementing an action plan to meet
OCC Safety and Soundness guidelines. Mr. Cutler subsequently served as the featured
speaker at the OCC Large Bank Supervision Conference, presenting his findings on “The
Anatomy of an Ailing Mortgage Company – What Can Go Wrong?”
Find out more about our management team
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