Depository Mortgage Lending

Depository Mortgage Lending may increase ROA by 1% and create a unique compliment for an FDIC bank and an NCUA Credit Union.

Dr. Schell will explain the details about origination for sale activities.

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• Mortgage lending strategy

  • Is a division or subsidiary best

  • Is MSR held or released best

  • How to forecast mortgage activity ​

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• Mortgage performance measurement and operational design

  • How to define performance targets

  • How to measure performance

  • How does hedging and agency delivery work

 

• Mortgage performance delivery to board of directors

  • When is mortgage good for an FDIC bank

  • How is performance defined    

  • The role of the MLO

 

• Mortgage regulatory framework and compliance management

  • HMDA/LAR, ECOA, RESPA, TILA, TRID,  etc

  • ECOA errors may create a $10K fine for each 

  • Technology design to meet regulatory requirements

 

• Mortgage Technology

  • LOS installation, configuration and management

    • MBS partner is an Encompass expert)

  • LoanVision installation, operation and Core integration 

 

• Dr. Schell, PhD, CPA bio

  • 4 decades of experience in depository mortgage lending

  • Ran mortgage activities for Bank of America in 1990s

  • President of IMB in early 2000s

  • Advisor to FDIC mortgage lenders since 2007

  • Published hundreds of articles at DoctorSchell.com