Mortgage Profitability, Earnings and Repurchase Activity

Mortgage Profitability: Production and Servicing

Comparison of production and servicing income for top firms. 2010-3Q14 data presented quarterly.

3Q14 Data

2Q14 Data

2013 Data

2012 Data

2011 Data

2009-2010 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