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Mortgage Servicing Rights (Tables) | 9 Months Ended
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Sep. 30, 2016
Changes in Residential and Participation Mortgage Servicing Rights | The following tables set forth the changes in the balances of residential MSRs and participation MSRs for the periods indicated:
|  | For the Three Months Ended |
|  | September 30, 2016 |  |  | September 30, 2015 |
(in thousands) |  | Residential |  |  | Participation |  |  | Residential |  |  | Participation |
Carrying value, beginning of period |  | $ | 188,331 |  |  | $ | 5,663 |  |  | $ | 250,963 |  |  | $ | 2,675 |
Additions |  |  | 12,005 |  |  |  | 731 |  |  |  | 9,219 |  |  |  | 1,350 |
Increase (decrease) in fair value: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Due to changes in interest rates |  |  | 5,668 |  |  |  | — |  |  |  | (15,703 | ) |  |  | — |
Due to model assumption changes (1) |  |  | — |  |  |  | — |  |  |  | (1,506 | ) |  |  | — |
Due to loan payoffs |  |  | (12,818 | ) |  |  | — |  |  |  | (9,023 | ) |  |  | — |
Due to passage of time and other changes |  |  | (1,767 | ) |  |  | — |  |  |  | (1,528 | ) |  |  | — |
Amortization |  |  | — |  |  |  | (618 | ) |  |  | — |  |  |  | (229 | )
Carrying value, end of period |  | $ | 191,419 |  |  | $ | 5,776 |  |  | $ | 232,422 |  |  | $ | 3,796 |
(1) | Represents changes in fair value driven by changes to the inputs to the valuation model related to assumed prepayment speeds.
|  | For the Nine Months Ended |
|  | September 30, 2016 |  |  | September 30, 2015 |
(in thousands) |  | Residential |  |  | Participation |  |  | Residential |  |  | Participation |
Carrying value, beginning of period |  | $ | 243,389 |  |  | $ | 4,345 |  |  | $ | 227,297 |  |  | $ | — |
Additions |  |  | 31,185 |  |  |  | 2,999 |  |  |  | 40,217 |  |  |  | 4,178 |
Decrease in fair value: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Due to changes in interest rates |  |  | (32,139 | ) |  |  | — |  |  |  | (844 | ) |  |  | — |
Due to model assumption changes (1) |  |  | (13,088 | ) |  |  | — |  |  |  | (1,506 | ) |  |  | — |
Due to loan payoffs |  |  | (31,939 | ) |  |  | — |  |  |  | (29,502 | ) |  |  | — |
Due to passage of time and other changes |  |  | (5,989 | ) |  |  | — |  |  |  | (3,240 | ) |  |  | — |
Amortization |  |  | — |  |  |  | (1,568 | ) |  |  | — |  |  |  | (382 | )
Carrying value, end of period |  | $ | 191,419 |  |  | $ | 5,776 |  |  | $ | 232,422 |  |  | $ | 3,796 |
(1) | Represents changes in fair value driven by changes to the inputs to the valuation model related to assumed prepayment speeds.
Key Assumptions Used in Calculation of Fair Value of Residential Mortgage Servicing Rights | The following table presents the key assumptions used in calculating the fair value of the Company’s residential MSRs at the dates indicated:
|  | September 30, 2016 |  |  | December 31, 2015 |
Expected weighted average life |  |  | 72 months |  |  |  | 92 months |
Constant prepayment speed |  |  | 11.25 | % |  |  | 7.35 | %
Discount rate |  |  | 10.02 |  |  |  | 10.01 |
Primary mortgage rate to refinance |  |  | 3.56 |  |  |  | 4.03 |
Cost to service (per loan per year): |  |  |  |  |  |  |  |
Current |  | $ | 64 |  |  | $ | 63 |
30-59 days delinquent |  |  | 201 |  |  |  | 213 |
60-89 days delinquent |  |  | 351 |  |  |  | 313 |
90-119 days delinquent |  |  | 451 |  |  |  | 413 |
120 days or more delinquent |  |  | 851 |  |  |  | 563 |

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- Definition Schedule of Securities Valuation Assumptions. + References No definition available. + 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/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 860 -SubTopic 50 -Section 50 -Paragraph 3 -Subparagraph (a) -URI http://asc.fasb.org/extlink&oid=68078379&loc=d3e122625-111746 + Details
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