Structured read on 5 lender earnings calls —15 business lines with disclosed growth numbers, 11 metrics extracted, 1 strategic moves tagged, 0 companies' capital deployment tracked.
Charleston specifically has been a strong market for us. Our LO count there is up roughly 30% year-over-year and we see continued runway to add more. Movement Mortgage is the biggest brand presence locally; we recruit against them and are gaining ground.
Our recapture rate increased to 47% from 38% last quarter as the rate environment opened the refi window for more of our borrowers. Every 25-basis-point move pulls another 4-5 percentage points of borrowers into the in-the-money refi pool. Our servicing-led model is built for exactly this environment.
MSR portfolio grew to $1.4 trillion in unpaid principal balance. Subservicing onboarding remained at record pace as smaller mortgage banks continued to outsource. Servicing as an asset class has never been more attractive.
Servicing book is $640 billion UPB. We're modeling a sustained 30-year fixed below 6% as the catalyst for a meaningful refi wave; below 5.5% reactivates roughly 35% of our portfolio for in-the-money recapture.
Today the page combines the per-segment growth data from competitor_brand_sales with the snippet-level extracts from transcript_snippets — both hand-seeded for the last quarter. Set ANTHROPIC_API_KEY and the llm/transcript_extractor.py module processes raw transcripts automatically — Claude attributes speakers, extracts every number, every plan, every Movement Charleston mention. Same schema, same components, ~10x the depth of data.