Mortgage banking income generally declined for commercial banks and thrifts in the fourth quarter, although 2015 was generally more profitable than the previous year, according to a new Inside Mortgage Trends analysis of earnings releases. A diverse group of 25 banks reported a total of $3.046 billion in mortgage-banking income for the fourth quarter. That was down 14.8 percent from the previous three-month period, and it marked the group’s lowest ... [Includes one data chart]