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.

2007-2014 Data


Should the FHA cut premiums?

Yes, the MMIF has surpassed the 2 percent minimum. It’s time to help first-time home buyers.
Yes, but not until mid-2016 at least, when we see how the fund is doing.
No. The MMIF needs to rebuild and prepare for another potential downturn – just in case.
No. We believe the minimum ratio should actually be raised to 4 percent or higher.
I am undecided.

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