Mortgage Profitability Report 4Q16

Fourth-quarter 2016 profits were all over the map: As a whole the industry beat 3Q by 5.8 percent. But lender by lender, the tales were widely divergent. Wells Fargo saw a 34.7 percent drop from 3Q, and Chase fell 29.7 percent. Meanwhile, Bank of America gained 42.2 percent, Citigroup and BB&T more than doubled their earnings, and Fifth Third tripled its 3Q returns.

See for yourself the 4Q results for 827 banks and thrifts (as well as their results for the other 2016 quarters and the comparable total for 2015) in Inside Mortgage Financeís Mortgage Profitability Report. The report, issued quarterly, also serves up exhaustive rankings for mortgage sales activity, repurchases and mortgage-servicing rights holdings.

In addition to the micro detail by lender, the report provides marketwide analysis of these important performance measures and additional profitability information on the industryís biggest players.

Use the Mortgage Profitability Report to get a firm handle on how well your own efforts are faring compared to the competition and the industry as a whole. Youíll also have the information you need to see where the market is going so you can get there with, or before, it.

Youíll have in-depth numbers on

  • Bank Mortgage-Banking Earnings
    Net income results for all institutions (827 institutions in 4Q16) and the market.
  • Mortgage Earnings Snapshot
    Quarterly earnings for a selection of institutions based on earnings reports.
  • Mortgage Profitability: Production vs. Servicing
    Comparison of production and servicing income for top firms.
  • Bank Mortgage Sales Activity
    Mortgage sales results for the banking operations of all lenders (917 lenders) and the market.
  • Bank/Thrift Mortgage Repurchase/Indemnification Activity
    Ranking of institutions (227 institutions) by repurchase volume
  • Bank Mortgage Servicing Rights Assets
    Unpaid principal balance of servicing for others and fair market value of MSRs for all institutions (1,515 institutions).

Choose "PDF Format" for immediate download of document. You will also be able to access the document, at any time, through the "My Account" feature on

PDF Format, 4Q16 edition - $536.00
Print Edition, with US shipping, 4Q16 edition - $536.00
Print Edition, with international shipping, 4Q16 edition - $586.00

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With mortgage production down noticeably this year from 2017, how many lenders might disappear via M&A or failure during the next 12 months?

10% or less. It’s not that bad out there.
11% to 25%. It’s a challenging market.
25% to 40%. It’s going to be very ugly.
No opinion.

vote to see results