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Mortgage Servicing Rights (Tables) | 6 Months Ended
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Jun. 30, 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:
| June 30, 2025 |  | December 31, 2024
Federal National Mortgage Association | $ | 2,673,924 |  |  | $ | 2,578,587 |
Federal Home Loan Mortgage Corporation | 1,934,707 |  |  | 1,876,095 |
Government National Mortgage Association | 1,329,594 |  |  | 1,259,513 |
Federal Home Loan Bank | 99,145 |  |  | 98,582 |
Other | 1,045 |  |  | 1,169 |
Total | $ | 6,038,415 |  |  | $ | 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 June 30, |  | For the six months ended June 30, |  |  |  |
| 2025 |  | 2024 |  | 2025 |  | 2024 |  |  |  |
Balance, beginning of period | $ | 82,927 |  |  | $ | 78,416 |  |  | $ | 84,258 |  |  | $ | 76,701 |  |  |  |  |
Additions: |  |  |  |  |  |  |  |  |  |  |
Servicing resulting from transfers of financial assets | 4,120 |  |  | 3,266 |  |  | 6,773 |  |  | 5,297 |  |  |  |  |
Changes in fair value: |  |  |  |  |  |  |  |  |  |  |
Due to changes in valuation inputs or assumptions used in the valuation model | 73 |  |  | 821 |  |  | (1,316) |  |  | 2,094 |  |  |  |  |
Changes in fair value due to pay-offs, pay-downs, and runoff | (2,384) |  |  | (1,759) |  |  | (4,979) |  |  | (3,348) |  |  |  |  |
Balance, end of period | $ | 84,736 |  |  | $ | 80,744 |  |  | $ | 84,736 |  |  | $ | 80,744 |  |  |  |  |
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:
| June 30, 2025 |  | December 31, 2024 |  | June 30, 2024 |  |
Discount rate | 10.00 | % |  | 10.09 | % |  | 10.14 | % |  |
Total prepayment speeds | 8.57 | % |  | 7.90 | % |  | 8.14 | % |  |
Cost of servicing each loan | $91/per loan |  | $92/per loan |  | $91/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 June 30, |  | For the six months ended June 30, |  |  |  |
| 2025 |  | 2024 |  | 2025 |  | 2024 |  |  |  |
Servicing fees | $ | 4,409 |  |  | $ | 3,940 |  |  | $ | 8,669 |  |  | $ | 7,825 |  |  |  |  |
Late and ancillary fees | 231 |  |  | 215 |  |  | 476 |  |  | 434 |  |  |  |  |
Total | $ | 4,640 |  |  | $ | 4,155 |  |  | $ | 9,145 |  |  | $ | 8,259 |  |  |  |  |

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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/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 + Details
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