抵押银行；抵押银行业者 mortgage banker

指专门从事抵押业务的人或金融公司。抵押业务包括发放抵押贷款、出售抵押贷款担保债券、提供抵押代理支付服务、代为保管抵押文件、作为代理人替客户保管抵押款项、缴纳税款和代理保险等。抵押银行的收入来源于发放贷款利息收入、服务费收入、再出售抵押贷款契约获得的利润收入及抵押契约未出售前抵押收益等与借款利息之间的差额。

A mortgage banker is a person or entity that originates, or initiates, home loans, and typically provides the funding for them. Mortgage bankers could be individuals or large companies, but in either case, they function in the same capacity. Many mortgage bankers generate revenue by charging borrowers an origination fee. Once a mortgage banker originates a loan, the banker can keep the loan in its portfolio (in other words, on its books) and service it, or, sell it on the secondary market or sell the servicing rights to another party, or a combination of the two.

例句1

A mortgage banker is a company, individual, or institution that originates mortgages. Mortgage bankers use their own funds, or funds borrowed from a warehouse lender, to fund mortgages. After a mortgage is originated, a mortgage banker might retain the mortgage in a portfolio, or they might sell the mortgage to an investor.

抵押银行业者是发起抵押贷款的公司、个人或机构。抵押银行业者用自己的资金，或从仓库贷款人那里借来的资金来为抵押贷款提供资金。抵押贷款产生后，抵押银行业者可能会将抵押贷款保留在投资组合中，或者他们可能会将抵押贷款出售给投资者。

例句2

Additionally, after a mortgage is originated, a mortgage banker might service the mortgage, or they might sell the servicing rights to another financial institution. A mortgage banker's primary business is to earn the fees associated with loan origination. Most mortgage bankers do not retain the mortgage in a portfolio.

此外，在抵押贷款产生后，抵押银行业者可能会为抵押贷款提供服务，或者他们可能会将服务权出售给另一家金融机构。抵押银行业者的主要业务是赚取与贷款发放相关的费用。大多数抵押银行业者不会将抵押贷款保留在投资组合中。

例句3

A mortgage banker typically works in the loan department of a financial institution, a credit union, a savings and loan association, or a bank. They work with realtors and individuals seeking loans through the entirety of the mortgage process, from evaluating the property to collecting financial information and securing the loan. A mortgage banker also acts as an advisor to the borrowers as they assist the loan applicants in choosing between the institution's various loan options.

抵押银行业者通常在金融机构、信用合作社、储蓄和贷款协会或银行的贷款部门工作。他们与房地产经纪人和个人合作，在整个抵押过程中寻求贷款，从评估财产到收集财务信息和获得贷款。抵押银行业者还充当借款人的顾问，帮助贷款申请人在机构的各种贷款方案中作出选择。

例句4

A mortgage banker has the ability to approve a mortgage for a lender. Because they work for the lending institution that is providing the money for the mortgage, mortgage bankers can be the difference between an approved loan application and a rejected loan application when there's an instance in which requires an exception or subjective decision.

抵押银行业者有能力批准贷款人的抵押贷款。因为他们为为抵押贷款提供资金的贷款机构工作，所以在需要例外或主观决定的情况下，抵押银行业者可能区别于批准的贷款申请和拒绝的贷款申请。