Intro to Mortgage Origination Examinations Training - July 2025

Internal Use Only

Importance of Financial Condition

• Mortgage lender fails, what is the worst-case scenario? • Non-Bank Lenders originating higher percentage of mortgage loans

Internal Use Only

Importance of Financial Condition

Key factors that can lead to deteriorating financial condition: • Inability to manage risk • Poor internal controls • Risky loans • Interest rate risk