Mortgage Profitability, Earnings and Repurchase Activity

Bank Mortgage-Banking Earnings

Chart ranking institutions by noninterest income from sale, securitization and servicing of 1-4 family mortgages.

4Q16 Data (Top 100)

3Q16 Data (Top 100)

3Q16 Data (Full list - 813 institutions)

2Q16 Data (Top 100)

2Q16 Data (Full list - 781 institutions)

1Q16 Data (Top 100)

1Q16 Data (Full list - 784 institutions)

12M15 Data (Top 100)

12M15 Data (Full list - 857 institutions)

9M15 Data (Top 100)

9M15 Data (Full list - 827 institutions)

6M15 Data (Top 100)

6M15 Data (Full list - 813 institutions)

1Q15 Data (Top 100)

1Q15 Data (Full list - 769 banks)

4Q14 Data (Top 100)

4Q14 Data (Full list - 753 banks)

3Q14 Data

2Q14 Data

1Q14 Data

2013 Data

2012 Data

2011 Data

2010 Data

Early Look: Mortgage Banking Results

Originations and mortgage banking income results for five megabanks (Wells Fargo, JPMorgan Chase, Bank of America, US Bank, Citigroup). Includes volume for most recent six quarters and sequential change.

4Q16 Data

3Q16 Data

2Q16 Data

3Q15 Data

2Q15 Data

Poll

With rates higher this year, there has been talk of lenders liberalizing their underwriting standards in an effort to increase volume and make up for lower refis.

Do you think your shop will loosen standards over the coming three months?

Yes, but not by much.

47%

Yes, by a lot.

5%

Yes and, heck, we may even do non-QM lending.

14%

No, not at all.

26%

No and we may even tighten credit.

7%