I think it's unlikely to be much better in 2014 or 2015.  The MBA projects that mortgage origination volume will be down 32% in 2014 from 2013, and will be about the same in 2015 as 2014. 

It's all about the refinances.  Home sales are steady, but refinances have fallen off a cliff and are not going to get up, because interest rates have been so low so recently, most everybody who has a mortgage has a low interest rate mortgage.  Best case scenario would be for economic growth to pick up, leading to an increase in home sales, home equity loans, and commercial real estate transactions.