[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-0-en-105":3,"doc-seo-646402-105":59,"doc-detail-646402-en":129},{"code":4,"msg":5,"data":6},0,"success",[7,13,18,23,28,33,38,43,48,51,55],{"id":8,"doc_module":4,"doc_module_name":9,"category_name":10,"show_sort_weight":11,"slug":12},1,"Document","Story & Novel",90,"story-novel",{"id":14,"doc_module":4,"doc_module_name":9,"category_name":15,"show_sort_weight":16,"slug":17},2,"Literature",80,"literature",{"id":19,"doc_module":4,"doc_module_name":9,"category_name":20,"show_sort_weight":21,"slug":22},4,"Exam",70,"exam",{"id":24,"doc_module":4,"doc_module_name":9,"category_name":25,"show_sort_weight":26,"slug":27},5,"Comic",60,"comic",{"id":29,"doc_module":4,"doc_module_name":9,"category_name":30,"show_sort_weight":31,"slug":32},6,"Technology",50,"technology",{"id":34,"doc_module":4,"doc_module_name":9,"category_name":35,"show_sort_weight":36,"slug":37},7,"Healthcare",40,"healthcare",{"id":39,"doc_module":4,"doc_module_name":9,"category_name":40,"show_sort_weight":41,"slug":42},8,"Research & Report",30,"research-report",{"id":44,"doc_module":4,"doc_module_name":9,"category_name":45,"show_sort_weight":46,"slug":47},9,"Religion & Spirituality",20,"religion-spirituality",{"id":46,"doc_module":4,"doc_module_name":9,"category_name":49,"show_sort_weight":46,"slug":50},"World Cup","world-cup",{"id":52,"doc_module":4,"doc_module_name":9,"category_name":53,"show_sort_weight":52,"slug":54},10,"Lifestyle","lifestyle",{"id":56,"doc_module":4,"doc_module_name":9,"category_name":57,"show_sort_weight":24,"slug":58},19,"General","general",{"code":4,"msg":60,"data":61},"ok",{"site_id":62,"language":63,"slug":64,"title":65,"keywords":66,"description":67,"schema_data":68,"social_meta":122,"head_meta":124,"extra_data":126,"updated_unix":128},105,"en","comptrollers-handbook-a-mb-mortgage-banking-version-10-safety-and-soundness","Comptroller’s Handbook A-MB - Mortgage Banking - Version 1.0 - Safety and Soundness","","Comptroller’s Handbook A-MB addresses mortgage banking within the Office of the Comptroller of the Currency’s safety-and-soundness framework, covering capital adequacy, asset quality, management, earnings, liquidity, sensitivity to market risk, and other activities. It explains mortgage market fundamentals and common structures, outlines statutory and regulatory authority, and details key risks including credit, interest rate, liquidity, price, operational, compliance, and strategic risks. The handbook provides risk management guidance, examination procedures, and appendixes on letters, hedging, accounting, structures, and handling imminent foreclosure.",{"@graph":69,"@context":121},[70,84,104],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":40,"@type":76,"position":81},"https://docshare.wps.com/document/research-report/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/comptrollers-handbook-a-mb-mortgage-banking-version-10-safety-and-soundness/646402/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":98,"encodingFormat":97,"isAccessibleForFree":99,"interactionStatistic":100},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/comptrollers-handbook-a-mb-mortgage-banking-version-10-safety-and-soundness/646402.png","ImageObject",300,407,{"name":92,"@type":93},"Guten Appetit_Joghurt","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-23",true,{"@type":101,"interactionType":102,"userInteractionCount":4},"InteractionCounter",{"@type":103},"ViewAction",{"@type":105,"mainEntity":106},"FAQPage",[107,113,117],{"name":108,"@type":109,"acceptedAnswer":110},"What topics does the handbook cover for mortgage banking safety and soundness?","Question",{"text":111,"@type":112},"It covers core areas such as capital adequacy, asset quality, management, earnings, liquidity, sensitivity to market risk, and other activities, along with mortgage banking fundamentals and structures.","Answer",{"name":114,"@type":109,"acceptedAnswer":115},"Which specific risks are addressed in the mortgage banking risk section?",{"text":116,"@type":112},"The handbook addresses credit risk, interest rate risk, liquidity risk, price risk, operational risk, compliance risk, and strategic risk, and includes a struck-through section for reputation risk.",{"name":118,"@type":109,"acceptedAnswer":119},"How are examination procedures organized in the handbook?",{"text":120,"@type":112},"Examination procedures are presented with defined scope and then cover management and supervision, internal and external audits, information technology, loan production, secondary marketing, servicing, and mortgage servicing assets.","https://schema.org",{"og:url":83,"og:type":123,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":125,"canonical":83},"index,follow",{"doc_id":127,"site_id":62},646402,1792760312,{"code":4,"msg":5,"data":130},{"doc_id":127,"user_id":131,"nickname":92,"user_avatar":132,"doc_module":4,"category_id":39,"category_name":40,"doc_title":65,"doc_description":67,"doc_content":133,"file_id":134,"file_url":135,"file_type":136,"file_size":137,"view_count":4,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":138,"language":139,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":140,"faqs":141,"seo_title":142,"seo_description":67,"update_tm":128,"read_time":143},1374408768420,"https://ap-avatar.wpscdn.com/davatar_6f874abed73319feea01a86fa6f0fab8","| \u003Cbr>\u003Cbr>Comptroller’s Handbook A-MB\u003Cbr>Safety and Soundness\u003Cbr>\u003Cbr>Capital Adequacy\u003Cbr>(C)\u003Cbr>Asset Quality\u003Cbr>(A)\u003Cbr>Management\u003Cbr>(M)\u003Cbr>Earnings\u003Cbr>(E)\u003Cbr>Liquidity\u003Cbr>(L)\u003Cbr>Sensitivity to\u003Cbr>Market Risk (S)\u003Cbr>Other Activities\u003Cbr>(O) |  |\n| --- | --- |\n| Mortgage Banking\u003Cbr>Version 1.0, February 2014\u003Cbr>References to reputation risk have been removed from this booklet as of March 20, 2025. Removal of reputation risk references is identified by a strikethrough. Refer to OCC Bulletin 2025-4. |  |\n| | Office of the\u003Cbr>Comptroller of the Currency\u003Cbr>Washington, DC 20219 |\n|  |  |\n\nContents   \nIntroduction..............................................................................................................................1  \nBackground ................................................................................................................... 1  \nPrimary and Secondary Mortgage Markets ............................................................ 2  \nFundamentals of Mortgage Banking....................................................................... 3  \nCommon Mortgage Banking Structures ................................................................. 4  \nMortgage Banking Profitability .............................................................................. 4  \nStatutory and Regulatory Authority.............................................................................. 9  \nPreemption and Visitorial Powers .............................................................................. 10  \nCapital Requirements .................................................................................................. 11  \nRisks Associated With Mortgage Banking ................................................................. 12  \nCredit Risk ............................................................................................................ 12  \nInterest Rate Risk .................................................................................................. 13  \nLiquidity Risk ....................................................................................................... 13  \nPrice Risk .............................................................................................................. 14  \nOperational Risk ................................................................................................... 14  \nCompliance Risk ................................................................................................... 16  \nStrategic Risk ........................................................................................................ 18  \n~~Reputation Risk~~.....................................................................................................~~ 19~~  \nRisk Management ....................................................................................................... 20  \nManagement and Supervision ............................................................................... 20  \nInternal and External Audits ................................................................................. 21  \nInformation Technology ....................................................................................... 22  \nMortgage Banking Functional Areas .................................................................... 22  \nLoan Production .................................................................................................... 23  \nSecondary Marketing ............................................................................................ 38  \nServicing ............................................................................................................... 50  \nMortgage Servicing Assets ................................................................................... 67  \nExamination Procedures .......................................................................................................75  \nScope ...............................","cbCaisqfal4wVlEl","https://ap.wps.com/l/cbCaisqfal4wVlEl","pdf",1432005,235,"English","# Introduction\n## Background\n## Primary and Secondary Mortgage Markets\n## Fundamentals of Mortgage Banking\n## Common Mortgage Banking Structures\n## Mortgage Banking Profitability\n## Statutory and Regulatory Authority\n## Preemption and Visitorial Powers\n## Capital Requirements\n## Risks Associated With Mortgage Banking\n## Risk Management\n## Examination Procedures\n## Conclusions\n## Appendixes","[{\"question\":\"What topics does the handbook cover for mortgage banking safety and soundness?\",\"answer\":\"It covers core areas such as capital adequacy, asset quality, management, earnings, liquidity, sensitivity to market risk, and other activities, along with mortgage banking fundamentals and structures.\"},{\"question\":\"Which specific risks are addressed in the mortgage banking risk section?\",\"answer\":\"The handbook addresses credit risk, interest rate risk, liquidity risk, price risk, operational risk, compliance risk, and strategic risk, and includes a struck-through section for reputation risk.\"},{\"question\":\"How are examination procedures organized in the handbook?\",\"answer\":\"Examination procedures are presented with defined scope and then cover management and supervision, internal and external audits, information technology, loan production, secondary marketing, servicing, and mortgage servicing assets.\"}]","Comptroller’s Handbook A-MB - Mortgage Banking - Version 1.0 - Safety and Soundness | PDF",592]