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RESERVE FOR LOSS ON REPURCHASED LOANS | 12 Months Ended
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Dec. 31, 2017
Mortgage Banking Activities [Abstract] |
RESERVE FOR LOSS ON REPURCHASED LOANS | RESERVE FOR LOSS ON REPURCHASED LOANS The Company records a representation and warranty reserve representing its estimate of losses expected on mortgage loan repurchases or loss reimbursements attributable to underwriting or documentation defects on previously sold loans. The reserve for loss on repurchased loans is initially recorded at fair value against net revenue on mortgage banking activities at the time of sale, and any subsequent change in the reserve is recorded on the Consolidated Statements of Operations as an increase or decrease to the provision for loan repurchases (noninterest expense). The following table presents a summary of activity in the reserve for losses on repurchased loans for the periods indicated:
|  | Year Ended December 31,
($ in thousands) |  | 2017 |  | 2016 |  | 2015
Balance at beginning of year |  | $ | 7,974 |  |  | $ | 9,700 |  |  | $ | 8,303 |
Initial provision for loan repurchases |  | 1,622 |  |  | 3,942 |  |  | 2,026 |
Subsequent change in the reserve |  | (1,812 | ) |  | (3,352 | ) |  | 2,326 |
Utilization of reserve for loan repurchases |  | (2,238 | ) |  | (2,316 | ) |  | (3,801 | )
Other adjustments |  | 760 |  |  | — |  |  | 846 |
Balance at end of year |  | $ | 6,306 |  |  | $ | 7,974 |  |  | $ | 9,700 |
The Company believes that all known or probable and estimable demands were adequately reserved for at December 31, 2017.

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- Definition Mortgage Banking Activities [Abstract] + References No definition available. + Details
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- Definition Mortgage Banking Activities Disclosure + References No definition available. + Details
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