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.