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SERVICING RIGHTS (Tables)
 12 Months Ended
Dec. 31, 2017
Transfers and Servicing [Abstract]  
Schedule Of Income (Loss) From Servicing Rights
The following table presents a composition of total income from servicing rights, which is reported in Loan Servicing Income on the Consolidated Statements of Operations, on a consolidated operations basis, for the periods indicated:
 
 
Year Ended December 31,
($ in thousands)
 
2017
 
2016
 
2015
Servicing fees for sold loans with servicing retained
 
$
19,642

 
$
23,117

 
$
11,739

Losses on the fair value and runoff of servicing rights
 
(17,066
)
 
(17,732
)
 
(8,765
)
Total income from servicing rights
 
$
2,576

 
$
5,385

 
$
2,974
Servicing Rights
The following table presents a composition of servicing rights as of the dates indicated:
 
 
December 31,
($ in thousands)
 
2017
 
2016
Mortgage servicing rights, at fair value
 
$
31,852

 
$
76,121

SBA servicing rights, at cost
 
1,856

 
1,496

Total
 
$
33,708

 
$
77,617
Mortgage Servicing Rights Fair Value and Weighted Average Life
The following table presents the key characteristics, inputs and economic assumptions used to estimate the Level 3 fair value of the MSRs, other than the MSRs held-for-sale, as of the dates indicated:
 
 
December 31,
($ in thousands)
 
2017
 
2016
Fair value of retained MSRs
 
$
2,059

 
$
76,121

Discount rate
 
13.00
%
 
10.18
%
Constant prepayment rate
 
16.54
%
 
11.84
%
Weighted-average life
 
5.07 years

 
6.50 years
Mortgage Servicing Rights
The following table presents activity in the MSRs for the periods indicated:
 
 
Year Ended December 31,
($ in thousands)
 
2017
 
2016
 
2015
Balance at beginning of year
 
$
76,121

 
$
49,939

 
$
19,082

Additions
 
12,127

 
49,293

 
45,263

Changes in fair value resulting from valuation inputs or assumptions
 
(10,240
)
 
(5,709
)
 
(3,568
)
Sales of servicing rights (1)
 
(39,345
)
 
(5,382
)
 
(5,862
)
Other—loans paid off
 
(6,811
)
 
(12,020
)
 
(4,976
)
Balance at end of year
 
$
31,852

 
$
76,121

 
$
49,939


(1) Includes $37.8 million of MSRs sold as a part of discontinued operations for the year ended December 31, 2017.
Small Business Administration Servicing Rights
The following table presents activity in the SBA servicing rights for the periods indicated:
 
 
Year Ended December 31,
($ in thousands)
 
2017
 
2016
 
2015
Balance at beginning of year
 
$
1,496

 
$
788

 
$
484

Additions
 
761

 
877

 
597

Amortization, including prepayments
 
(318
)
 
(157
)
 
(71
)
Impairment
 
(83
)
 
(12
)
 
(222
)
Balance at end of year
 
$
1,856

 
$
1,496

 
$
788