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" A lender will often sell MSRs as a means of freeing up lines of credit for lending money to additional borrowers. The majority of mortgages are in effect for 15 to 30 years, and the bank needs billions of dollars to lend money to other consumers requesting mortgages during this time. In a roundabout way, selling MSRs means that more people can become homeowners, because the sale of these rights produces revenue.
Lenders also make money by charging fees for originating mortgages and earning monthly interest from payments. Mortgages are simply additional assets that bring in more revenue for banks."
Mortgage Servicing Rights (MSR) Meaning, Example, and History.
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