Introduction to Mortgage Origination Examinations Training

Internal Use Only

Earnings/Profitability Evaluate earnings: • Interrelationships • Growth rate • Extraordinary items • Changes to business plan & products

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Internal Use Only

Capital Structure/Leverage Capital:

• Ownership interest or “stake” in the business • Long-term indicator • Absorbs losses • Promotes confidence • Restricts excessive growth • Weather economic downturns

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