Intro to Mortgage Origination Examinations - June 2022

Earnings/Profitability Mortgage Servicer: • Fees for servicing if retaining servicing rights • Fees for subservicing loans • Sale of MSRs

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Earnings/Profitability Evaluate earnings: • Ability to cover losses & provide for capital • Trends & stability • Quality & composition • Reliance on sensitive funds • Core vs. Non-Core

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