Commercial banks and savings institutions reported a hefty decline in mortgage-banking income from the second to the third quarter of 2015, according to a new Inside Mortgage Trends analysis of call-report data. The banking industry earned $3.793 billion from mortgage banking during the third quarter, a 37.7 percent decline from the previous three-month period. That’s an even bigger drop than the 25.8 percent decline reported by the group of 34 ... [Includes one data chart]