2012 was a record year for Wells Fargo (NYSE:WFC). One of the main drivers behind its huge profits was its mortgage banking business that experienced record volume. However, refinancing activity was the bulk of that volume, and the refinancing market is expected to start shrinking.

In this video, Motley Fool banking analysts Matt Koppenheffer and David Hanson place their bets, and pride, on the line on how much Well Fargo will see this segment decline when the bank reports earnings on Friday. 

David Hanson has no position in any stocks mentioned. Matt Koppenheffer has no position in any stocks mentioned. The Motley Fool recommends Wells Fargo. The Motley Fool owns shares of Wells Fargo. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.