The qualified Thrift Lender test requires that thrifts

Limit the amount of mortgage-related assets on the balance sheet to improve diversification

Invest in a minimum percentage of government-backed securities to protect their mortgage Lend no more than 80% of the value of a home to a borrower to ensure mortgage safely

Keep 35% of their assets in safe liquid investments to ensure adequate deposit liquidity

Invest at least of 65% of their assets in mortgages or mortgages-related assets