Mortgage Profitability, Earnings and Repurchase Activity

Mortgage Profitability: Production and Servicing

Comparison of production and servicing income for top firms. 2010-4Q13 data presented quarterly.

2013 Data

2012 Data

2011 Data

2010-1Q11 Data

Poll

What do you think is the biggest hurdle to meeting the new QM standards in the CFPB’s ability-to-repay rule?

A debt-to-income (DTI) cap of 43%.

48%

A 3% cap on points and fees.

29%

An interest rate cap of the average prime offered rate (APOR) plus 1.5%.

23%

Housing Pulse