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Volume 18 - Number 5

March 7, 2014

OCC Warns of Volatility in Mortgage Profits

In new guidance to examiners and bankers, the Office of the Comptroller of the Currency is stressing the risks posed by mortgage banking, particularly for banks that rely heavily on the mortgage industry to turn a profit. ďA mortgage banking operationís income and expense components can change at significantly different rates and in different directions over time, resulting in substantial shifts in profitability,Ē the OCC said in its new handbook on mortgage banking ...

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With originations expected to drop in 2018, will your shop turn to non-QM/non-prime mortgage products as a way to bolster volumes?

Yes, definitely. We’re planning a launch.


No. It’s still difficult compliance/regulatory-wise.


Maybe. It’s under consideration.


Not now. But things could change as 2018 progresses.