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. 2007-2013 data available by year. 2009-2013 data available quarterly.

2007-2013 Data

Poll

The FHA is cutting its annual premium by 50 basis points. How much of a difference will this cut make in your FHA business?

Not much at all—maybe 10 percent at best.
Modestly. We expect a 10 percent to 25 percent gain in applications.
This is a real game changer, 25 percent or better.
Hard to say. This cut may just steal business away from the new Fannie/Freddie 97 LTV effort.

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Housing Pulse