Mortgage Profitability, Earnings and Repurchase Activity

Bank Mortgage Banking Activity

Historical aggregate bank income. Columns headings are: Mortgage Banking Net Income, Repurchase/Indemnification, 1-4 Family Mortgage Originations (Retail, Wholesale), Secondary Marketing (Loans Sold, Held for Sale). Data provided by both yearly and quarterly breaks.

2007-2015 Data

Poll

The yield on the benchmark 10-year Treasury fell to all-time low of 1.34% recently. How much better will originations be at your shop in the second half compared to 1H, if at all?

Better by 1% to 10%.
Better by 11% to 25%.
Off the charts better. Applications are great now.
Worse than 1H, but not by much.
A lot worse. But not sure on the damage.

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Housing Pulse