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| related topics |
| {loan, real, estate} |
| {condition, economic, financial} |
| {regulation, government, change} |
| {financial, litigation, operation} |
| {regulation, change, law} |
| {tax, income, asset} |
| {competitive, industry, competition} |
| {cost, regulation, environmental} |
|
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General business, economic, and market conditions may significantly affect our earnings
A failure to satisfy regulatory capital requirements may significantly affect our business
Deficiencies in regulated areas other than capital requirements may significantly affect our business and earnings
Interest rate volatility may significantly affect our earnings and cash flows
Increasing interest rates may adversely affect our mortgage origination revenue
During periods of declining interest rates, we typically experience an increase in loan originations because of increased home purchases and, particularly, increased refinancing activity. Increases in interest rates typically adversely affect refinancing activity, which has an adverse effect on our origination revenue.
Interest rate volatility may significantly affect our mortgage business operations and our earnings
Interest rate volatility may significantly affect the value of our mortgage servicing rights
Adverse decisions in litigation involving the mortgage banking industry could have a negative impact to our earnings
Legislation regarding the interest rates we pay on escrowed funds would, if enacted, negatively impact our earnings and cash flow
An increase in delinquencies and defaults of mortgage loans will adversely impact our earnings
Liabilities under our representations and warranties may adversely affect our earnings
We could incur substantial costs if we are required to remediate environmental matters relating to certain properties
Loss of relationships with independent mortgage brokers and mortgage bankers may adversely effect our mortgage volume and, thus, our revenues and earnings
Our accounting policies and methods are fundamental to how we report our financial condition and results of operations, and they may require management to make estimates about matters that are inherently uncertain
Cessation of, or a change in our eligibility with respect to, programs of housing-related government agencies or government-sponsored enterprises could aversely affect our business
A change in eligibility of mortgage loan products available for programs of housing-related government agencies or government-sponsored enterprises could adversely affect our business and earnings
The financial services industry is highly competitive
Negative public opinion could damage our reputation and adversely impact our earnings
Changes in regulation of banking or mortgage banking could adversely affect our business
Full 10-K form ▸
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