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Company Overview
Founded by E. Patrick Cutler, Cutler Consulting is a mortgage banking consulting firm offering
advisory services to financial institutions and mortgage banking companies. 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 45 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 numerous investors, including Fannie Mae, Freddie Mac,
Ginnie Mae, RFC, Chase, Wells Fargo and Bank of America.
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 mortgage banking consulting firm offering
advisory services to financial institutions and mortgage banking companies. 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 45 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 numerous investors, including Fannie Mae, Freddie Mac,
Ginnie Mae, RFC, Chase, Wells Fargo and Bank of America.
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
| 5111 Trenholm Road | Suite 220 | Columbia, SC 29206 | 803.461.0168 |
| Cutler Consulting, Inc. Strategic Mortgage Partners |