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LOAN SERVICING (Tables) - Mortgage Servicing Rights | 6 Months Ended
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Jun. 30, 2025
Servicing Assets at Fair Value [Line Items] |
Schedule of Servicing Asset at Amortized Cost | The unpaid principal balance of mortgage loans serviced for others is listed below: TABLE 6.1
(in millions) | June 30, 2025 |  | December 31, 2024
Mortgage loans sold with servicing retained | $ | 6,730 |  |  | $ | 6,429 |
The following table summarizes activity relating to mortgage loans sold with servicing retained: TABLE 6.2
| Three Months Ended June 30, |  | Six Months Ended June 30,
(in millions) | 2025 |  | 2024 |  | 2025 |  | 2024
Mortgage loans sold with servicing retained | $ | 323 |  |  | $ | 306 |  |  | $ | 635 |  |  | $ | 622 |
Pre-tax net gains (losses) resulting from above loan sales (1) | 5 |  |  | 5 |  |  | 9 |  |  | 11 |
Mortgage servicing fees (1) | 4 |  |  | 3 |  |  | 8 |  |  | 7 |
(1) Recorded in mortgage banking operations on the Consolidated Statements of Income. Following is a summary of activity relating to MSRs: TABLE 6.3
| Three Months Ended June 30, |  | Six Months Ended June 30,
(in millions) | 2025 |  | 2024 |  | 2025 |  | 2024
Balance at beginning of period | $ | 72.6 |  |  | $ | 62.5 |  |  | $ | 70.5 |  |  | $ | 59.5 |
Additions | 2.5 |  |  | 3.9 |  |  | 6.0 |  |  | 7.8 |
Payoffs and curtailments | (1.3) |  |  | (0.8) |  |  | (2.1) |  |  | (1.3) |
Impairment (charge) / recovery | 0.1 |  |  | — |  |  | — |  |  | 0.2 |
Amortization / other | (1.7) |  |  | (0.5) |  |  | (2.2) |  |  | (1.1) |
Balance at end of period | $ | 72.2 |  |  | $ | 65.1 |  |  | $ | 72.2 |  |  | $ | 65.1 |
Fair value, beginning of period | $ | 84.8 |  |  | $ | 75.2 |  |  | $ | 86.3 |  |  | $ | 71.8 |
Fair value, end of period | 85.5 |  |  | 78.0 |  |  | 85.5 |  |  | 78.0 |
Schedule of Assumptions for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement | Following is a summary of the sensitivity of the fair value of MSRs to changes in key assumptions: TABLE 6.4
(dollars in millions) | June 30, 2025 |  | December 31, 2024
Weighted average life (months) | 92 |  | 96
Constant prepayment rate (annualized) | 8.2 | % |  | 7.6 | %
Discount rate | 10.1 | % |  | 10.3 | %
Effect on fair value due to change in interest rates: |  |  |
+2.00% | $ | 11 |  |  | $ | 6 |
+1.00% | 8 |  |  | 5 |
+0.50% | 6 |  |  | 3 |
+0.25% | 3 |  |  | 2 |
-0.25% | (3) |  |  | (2) |
-0.50% | (7) |  |  | (5) |
-1.00% | (13) |  |  | (11) |
-2.00% | (22) |  |  | (20) |
-3.00% | (39) |  |  | (34) |

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- Definition Tabular disclosure of all information related to the key inputs and assumptions (including, at a minimum, but not limited to, and if applicable, quantitative information about discount rates, expected prepayments including the expected weighted-average life of prepayable financial assets, and anticipated credit losses) used in measuring the fair value of assets or liabilities that relate to the transferor's continuing involvement with transferred financial assets, as of the balance sheet date. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 860 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 4 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481326/860-20-50-4 + Details
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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 -Topic 860 -SubTopic 50 -Name Accounting Standards Codification -Section 50 -Paragraph 4 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481229/860-50-50-4 + Details
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