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Mortgage Servicing Rights (Tables)

3 Months Ended

Mar. 31, 2025

Transfers and Servicing [Abstract]

Schedule of Unpaid Principal Loan Balance of Servicing Portfolio

The unpaid principal loan balance of our servicing portfolio is presented in the following table as of:

			March 31, 2025						December 31, 2024
Federal National Mortgage Association			$	2,624,052					$	2,578,587
Federal Home Loan Mortgage Corporation			1,890,016						1,876,095
Government National Mortgage Association			1,286,264						1,259,513
Federal Home Loan Bank			99,669						98,582
Other			1,146						1,169
Total			$	5,901,147					$	5,813,946

Schedule of Mortgage Servicing Rights at Fair Value

The activity of MSRs carried at fair value is as follows:

			For the three months ended March 31,
			2025						2024
Balance, beginning of period			$	84,258					$	76,701
Additions:
Servicing resulting from transfers of financial assets			2,653						2,031
Changes in fair value:
Due to changes in valuation inputs or assumptions used in the valuation model			(1,389)						1,273
Changes in fair value due to pay-offs, pay-downs, and runoff			(2,595)						(1,589)
Balance, end of period			$	82,927					$	78,416

Schedule of Weighted-Average key Assumptions Used to Estimate Fair Value of Mortgage Servicing Rights

The following represents the weighted-average key assumptions used to estimate the fair value of MSRs as of:

			March 31, 2025						December 31, 2024						March 31, 2024
Discount rate			10.14		%				10.09		%				10.12		%
Total prepayment speeds			8.62		%				7.90		%				8.02		%
Cost of servicing each loan			$93/per loan						$92/per loan						$90/per loan

Schedule of Servicing and Ancillary Fees from Mortgage Servicing Portfolio

Total servicing and ancillary fees earned from the mortgage servicing portfolio is presented in the following table:

			For the three months ended March 31,
			2025						2024
Servicing fees			$	4,260					$	3,885
Late and ancillary fees			245						219
Total			$	4,505					$	4,104

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Schedule Of Fair Value Assumptions, Servicing Assets

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Schedule Of Servicing And Ancillary Fees From Servicing Assets

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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/2009/role/commonPracticeRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-3

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