Mortgage Banking

Licensing

• Loan Originators
• Bankers/Brokers
• Licensee Lists

Complaints

• File a Complaint

What's New

• Continuing Education

Other Information

• Notice of Interest Rate on Required Residential Mortgage Loan Escrow Accounts for 2008 (PDF: 12 KB / 1 page)
•   Historical Interest on Escrow Rates  (PDF: 11 KB / 1 page)
•   Statement on Subprime Mortgage Lending  (PDF: 81 KB / 9 pages)
• Guidance on Nontraditional Mortgage Product Risks (PDF: 84 KB / 11 pages)
• Prepayment Penalties on Variable Rate Loans (PDF: 42 KB / 1 page)
• Notice of Interest Rate on Required Residential Mortgage Loan Escrow Accounts for 2007  (PDF: 12 KB / 1 page)
•  Legislation Informational Packet for Mortgage Bankers and Mortgage Brokers effective July 1, 2005  (PDF: 4.2 MB / 78 pages)
•  Rule relating to Code Revisions, Broker Agreements, Consumer Disclosure Statements, Education and Examination effective July 1, 2005  (PDF: 117 KB / 25 pages)
• Rule relating to Responsible High Cost Mortgage Lending effective February 1, 2005  (PDF: 29 KB/ 4 pages)
• Employment Training Periods and Loan Originators
• Industry Alert on Mortgage Loan Satisfaction
• Industry Alert: Homeowners Insurance Policy Limits
• OTS Announces Parity Act Changes: (PDF: 121 KB / 60 pages)
  The Office of Thrift Supervision (OTS) removed prepayment penalties and late fees from the list of OTS regulations that applied to state housing creditors under the Alternative Mortgage Transactions Parity Act (Parity Act). This means that state housing creditors, such as mortgage bankers, are subject to state laws and regulations concerning prepayment penalties and late fees, rather than OTS rules. Federally-chartered thrifts supervised by OTS will continue to follow OTS rules. These changes to the Parity Act became effective on July 1, 2003.
• Variable Rates on Mortgage Loans
• View Administrative Orders Issued (last updated: 05/09/08)