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Loan Servicing (Tables) | 6 Months Ended
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Jun. 30, 2026
Transfers and Servicing [Abstract] |
Residential Mortgage Banking Activities | The following tables summarize residential mortgage servicing activities:
(Dollars in millions) |  | Jun 30, 2026 |  | Dec 31, 2025 |  |  |
UPB of residential mortgage loan servicing portfolio |  | $ | 298,658 |  |  | $ | 285,966 |  |  |  |
UPB of residential mortgage loans serviced for others, primarily agency conforming fixed rate |  | 240,764 |  |  | 228,383 |  |  |  |
|  | As of / For the Six Months Ended June 30, |
(Dollars in millions) |  | 2026 |  | 2025 |  |  |
UPB of residential mortgage loans sold from LHFS |  | $ | 8,115 |  |  | $ | 4,990 |  |  |  |
Pre-tax gains recognized on mortgage loans sold and held for sale |  | 39 |  |  | 35 |  |  |  |
Servicing fees recognized from mortgage loans serviced for others |  | 336 |  |  | 309 |  |  |  |
Approximate weighted average servicing fee on the outstanding balance of residential mortgage loans serviced for others |  | 0.29 | % |  | 0.28 | % |  |  |
Weighted average interest rate on mortgage loans serviced for others |  | 3.79 |  |  | 3.70 |  |  |  |
Analysis of Activity in Residential MSRs | The following table presents a roll forward of residential MSRs recorded at fair value:
(Dollars in millions) |  | 2026 |  | 2025 |  |
Residential MSRs, carrying value, January 1 |  | $ | 3,724 |  |  | $ | 3,431 |  |  |
Acquired |  | 275 |  |  | — |  |  |
Additions |  | 197 |  |  | 102 |  |  |
Change in fair value due to changes in valuation inputs or assumptions |  | 39 |  |  | (31) |  |  |
Realization of expected net servicing cash flows, passage of time, and other |  | (189) |  |  | (152) |  |  |
Residential MSRs, carrying value, June 30 |  | $ | 4,046 |  |  | $ | 3,350 |  |  |
Residential MSRs Sensitivity | The sensitivity of the fair value of the Company’s residential MSRs to changes in key assumptions is presented in the following table. The sensitivity calculations below are hypothetical and should not be considered predictive of future performance. Changes in fair value based on adverse changes in assumptions generally cannot be extrapolated because the relationship of the change in assumption to the change in fair value may not be linear. Also, the effect of an adverse variation in one assumption on the fair value of the MSRs is calculated without changing any other assumption; while in reality, changes in one factor may result in changes in another, which may magnify or counteract the effect of the change.
| June 30, 2026 |  | December 31, 2025
| Range |  | Weighted Average |  | Range |  | Weighted Average
(Dollars in millions) | Min |  | Max |  |  | Min |  | Max |
Prepayment speed | 6.2 | % |  | 11.0 | % |  | 7.2 | % |  | 6.1 | % |  | 13.9 | % |  | 7.2 | %
Effect on fair value of a 10% increase |  |  |  |  | $ | (114) |  |  |  |  |  |  | $ | (107) |
Effect on fair value of a 20% increase |  |  |  |  | (221) |  |  |  |  |  |  | (208) |
OAS | 1.3 | % |  | 12.1 | % |  | 4.0 | % |  | 1.4 | % |  | 12.2 | % |  | 4.4 | %
Effect on fair value of a 10% increase |  |  |  |  | $ | (72) |  |  |  |  |  |  | $ | (75) |
Effect on fair value of a 20% increase |  |  |  |  | (142) |  |  |  |  |  |  | (146) |
Composition of loans serviced for others: |  |  |  |  |  |  |  |  |  |
Fixed-rate residential mortgage loans |  |  |  |  | 99.6 | % |  |  |  |  |  | 99.7 | %
Adjustable-rate residential mortgage loans |  |  |  |  | 0.4 |  |  |  |  |  |  | 0.3 |
Total |  |  |  |  | 100.0 | % |  |  |  |  |  | 100.0 | %
Weighted average life |  |  |  |  | 7.5 years |  |  |  |  |  | 7.6 years
Commercial Mortgage Banking Activities | The following tables summarize commercial mortgage servicing activities:
(Dollars in millions) | Jun 30, 2026 |  | Dec 31, 2025 |  |
UPB of CRE mortgages serviced for others | $ | 25,917 |  |  | $ | 26,152 |  |  |
Commercial MSRs at fair value | 229 |  |  | 228 |  |  |
| Six Months Ended June 30,
(Dollars in millions) | 2026 |  | 2025 |  |
CRE mortgages originated | $ | 1,008 |  |  | 277 |  |  |

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- Definition Presents a summary of information related to residential mortgage banking activities including a reconciliation of mortgage loans managed to mortgage loans held for investment on the balance sheet; along with past due, nonaccrual and charge-off data related to these loans. Also includes details about the servicing portfolio, recourse and repurchase exposure and loan sales occurring during the period + References No definition available. + Details
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- Definition Tabular disclosure of a sensitivity analysis or stress test showing the hypothetical effect on the fair value of the transferor's interests in transferred financial assets (including any servicing assets or servicing liabilities) of two or more unfavorable variations from the expected levels for each key assumption that is reported, independently determined from any change in another key assumption, and a description of the objectives, methodology, and limitations of the sensitivity analysis or stress test. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 860 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 4 -Subparagraph (c) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481326/860-20-50-4 + Details
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- Definition Tabular disclosure of the activity in the balance of servicing assets (including a description of where changes in fair value are reported in the statement of income for each period for which results of operations are presented), including but not limited to, the following: beginning and ending balances, additions (for instance, through purchases of servicing assets), disposals, changes in fair value during the period resulting from changes in inputs or assumptions used in the valuation model, other changes in fair value along with a description of those changes, and other changes that affect the balance along with a description of those changes. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 860 -SubTopic 50 -Name Accounting Standards Codification -Section 50 -Paragraph 3 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481229/860-50-50-3 + Details
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