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MORTGAGE LOAN SALES AND SERVICING RIGHTS (Tables) | 9 Months Ended
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Sep. 30, 2025
Transfers and Servicing [Abstract] |
Summarizes Activity Relating to Loans Securitized Sold with Servicing Retained | The following table summarizes activity relating to residential mortgage loans sold with servicing retained.
|  | Three Months Ended |  | Nine Months Ended
(dollar amounts in millions) |  | September 30, 2025 |  | September 30, 2024 |  | September 30, 2025 |  | September 30, 2024
Residential mortgage loans sold with servicing retained |  | $ | 1,514 |  |  | $ | 1,150 |  |  | $ | 3,691 |  |  | $ | 2,944 |
Pretax gains resulting from above loan sales (1) |  | 24 |  |  | 17 |  |  | 66 |  |  | 49 |
Total servicing, late, and other ancillary fees (1) |  | 27 |  |  | 27 |  |  | 80 |  |  | 78 |
(1)Included in mortgage banking income.
Summarizes Activity Relating to Loans Sold with Servicing Retained Using the Fair Value Method | The following table summarizes the changes in MSRs recorded using the fair value method.
| Three Months Ended |  | Nine Months Ended
(dollar amounts in millions) | September 30, 2025 |  | September 30, 2024 |  | September 30, 2025 |  | September 30, 2024
Fair value, beginning of period | $ | 567 |  |  | $ | 543 |  |  | $ | 573 |  |  | $ | 515 |
New servicing assets created | 27 |  |  | 12 |  |  | 67 |  |  | 33 |
Change in fair value during the period due to: |  |  |  |  |  |  |
Time decay (1) | (6) |  |  | (6) |  |  | (20) |  |  | (19) |
Payoffs (2) | (11) |  |  | (9) |  |  | (28) |  |  | (21) |
Changes in valuation inputs or assumptions (3) | (1) |  |  | (25) |  |  | (16) |  |  | 7 |
Fair value, end of period | $ | 576 |  |  | $ | 515 |  |  | $ | 576 |  |  | $ | 515 |
Related loans serviced for third parties, unpaid principal balance, end of period | $ | 34,370 |  |  | $ | 33,565 |  |  | $ | 34,370 |  |  | $ | 33,565 |
(1)Represents decrease in value due to passage of time, including the impact from both regularly scheduled principal payments and partial loan paydowns. (2)Represents decrease in value associated with loans that paid off during the period. (3)Represents change in value resulting primarily from market-driven changes in interest rates.
Summary of Key Assumptions and the Sensitivity of the Servicing Rights Value to Changes in the Assumptions | The following table summarizes key assumptions and the sensitivity of the MSR value to changes in these assumptions.
| At September 30, 2025 |  | At December 31, 2024
|  |  |  | Decline in fair value due to |  |  |  |  | Decline in fair value due to
(dollar amounts in millions) | Actual |  | 10% adverse change |  | 20% adverse change |  | Actual |  | 10% adverse change |  | 20% adverse change
Constant prepayment rate (annualized) | 8.51 | % |  |  | $ | (16) |  |  | $ | (32) |  |  | 7.54 | % |  |  | $ | (14) |  |  | $ | (28) |
Spread over forward interest rate swap rates | 566 |  | bps |  | (14) |  |  | (27) |  |  | 568 |  | bps |  | (13) |  |  | (26) |

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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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