Take a look at Bank of America. Much higher profit margin, much higher Administration costs.

A cut in mortgage rates and an increase in interest rates would help more people at a higher number than any drop that is likely in gas prices. Recalculate your mortgage if you have one at a lower rate say 25% less than what it is and calculate how much you would save with a $1 drop in gas prices. it is not even close. I would guess.