Mortgage banking operations income decreased $1 million due to negative fair value marks given the sharp increase in mortgage rates during the third quarter that more than offset a 46% increase in total saleable mortgage production versus last quarter.

Source: https://seekingalpha.com/article/4642036-f-n-b-corporation-fnb-q3-2023-earnings-call-transcript?source=feed_all_articles

Sounds like a very saleable construction product.

Source: https://www.echo.net.au/2023/01/new-partnership-set-to-recirculate-plastic-waste-into-construction-material/