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v3.22.2.2

Mortgage Servicing Rights (Tables) | 9 Months Ended
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Sep. 30, 2022
Transfers and Servicing of Financial Assets [Abstract] |
Schedule of Changes in Servicing Assets | The following table presents changes in the servicing asset during the three and nine months ended September 30, 2022 and 2021: Servicing Asset
dollars in millions | Three Months Ended September 30, |  | Nine Months Ended September 30,
| 2022 |  | 2021 |  | 2022 |  | 2021
Beginning balance | $ | 28 |  |  | $ | 22 |  |  | $ | 23 |  |  | $ | 18 |
Servicing rights originated | — |  |  | 2 |  |  | 4 |  |  | 9 |
Servicing rights obtained in CIT Merger | — |  |  | — |  |  | 3 |  |  | — |
Amortization | (2) |  |  | (2) |  |  | (5) |  |  | (6) |
Valuation allowance benefit | — |  |  | — |  |  | 1 |  |  | 1 |
Ending balance | $ | 26 |  |  | $ | 22 |  |  | $ | 26 |  |  | $ | 22 |
Schedule of Activity in Servicing Asset Valuation Allowance | The following table presents the activity in the servicing asset valuation allowance: Servicing Asset Valuation Allowance
dollars in millions | Three Months Ended September 30, |  | Nine Months Ended September 30,
| 2022 |  | 2021 |  | 2022 |  | 2021
Beginning balance | $ | — |  |  | $ | 3 |  |  | $ | 1 |  |  | $ | 4 |
Valuation allowance benefit | — |  |  | — |  |  | (1) |  |  | (1) |
Ending balance | $ | — |  |  | $ | 3 |  |  | $ | — |  |  | $ | 3 |
Schedule of Servicing Asset Key Economic Assumptions | Key economic assumptions used to value MSRs were as follows: MSRs Valuation Assumptions
| September 30, 2022 |  | December 31, 2021
Discount rate | 9.62 | % |  | 8.55 | %
Weighted average constant prepayment rate | 6.70 | % |  | 15.69 | %
Weighted average cost to service a loan | $ | 81 |  |  | $ | 88 |

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- Definition Tabular disclosure of activity in the balance of servicing assets subsequently measured at amortized cost. Includes, but is not limited to, beginning and ending balances, additions, disposals, and amortization. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 860 -SubTopic 50 -Section 50 -Paragraph 4 -Subparagraph (a) -URI https://asc.fasb.org/extlink&oid=128311188&loc=d3e122739-111746 + Details
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- Definition Tabular disclosure of the activity by class in any valuation allowance for impairment of recognized servicing assets - including beginning and ending balances, aggregate additions charged and recoveries credited to operations, and aggregate write-downs charged against allowance. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 860 -SubTopic 50 -Section 50 -Paragraph 4 -Subparagraph (e) -URI https://asc.fasb.org/extlink&oid=128311188&loc=d3e122739-111746 + Details
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