Intro to Mortgage Origination Examinations Training - July 2025

Internal Use Only

Earnings/Profitability Profitability Ratios: • Profit Margin Ratio • Gross Margin Ratio • Return on Investment Ratio

Internal Use Only

Earnings/Profitability Mortgage Lender: • Loan origination fees • Packaging & selling loans on the secondary market • Mortgage Servicing Rights (MSRs) sales