State of New York Office of the State Comptroller Division of

State of New York Office of the State Comptroller Division of

29 Pages · 1998 · 225 KB · English

New York State Banking Department 2 Rector Street New York, NY 10006 Dear Ms. McCaul: T he following is our audit report on the Banking Department’s regulation

State of New York Office of the State Comptroller Division of free download

State of New York Office of the State Comptroller Division of Management Audit and State Financial Services H. Carl McCall Comptroller NEW YORK STATE BANKING DEPARTMENT REGULATION OF THE MORTGAGE BANKING INDUSTRY REPORT 97-S-66 State of New York Office of the State Comptroller OSC Management Audit reports can be accessed via the OSC Web Page : http://www.osc.state.ny.us. If you wish your name to be deleted from our mailing list or if your address has changed, contact the Management Audit Group at (518) 474-3271 or at the Office of the State Comptroller, Alfred E. Smith State Office Building, 13th Floor, Albany, NY 12236.Division of Management Audit and State Financial Services Report 97-S-66 Ms. Elizabeth McCaul Acting Superintendent New York State Banking Department 2 Rector Street New York, NY 10006 Dear Ms. McCaul: The following is our audit report on the Banking Department’s regulation of the mortgage banking industry. We conducted this audit according to the State Comptroller’s authority as set forth in Article V, Section 1, of the State Constitution, and Article II, Section 8 of the State Finance Law. We list major contributors to this report in Appendix A. Scope of Audit Audit Observations and Conclusions Executive Summary New York State Banking Department Regulation of the Mortgage Banking Industry Mortgage bankers (bankers) specialize in making loans to finance the purchase of, or equity in, one- to four-family residential properties. Due to a rapidly-expanding consumer market, they have been placing increasing reliance on mortgage brokers (brokers) to initiate loans to consumers. During calendar year 1997 alone, mortgage bankers provided 141,337 mortgage loans, totaling $16.5 billion, to State residents. The New York State Banking Department’s (Department) Mortgage Banking Division (Division) is responsible for the investigation, licensing, and registration of mortgage bankers and brokers; and the performance of periodic on-site examinations of their continuing business activities. Division staff also handle consumers’ mortgage-related complaints. During fiscal 1996-97, the Division collected more than $2.4 million in licensing and registration fees, $99,147 in fines, and recovered $127,904 in refunds for consumers. Our audit addressed the following questions regarding the

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