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MORTGAGE BANKING ACTIVITIES (Tables) | 12 Months Ended
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Dec. 31, 2021
Mortgage Banking Activities [Abstract] |
Summary of unpaid principal balance of residential mortgage loans | December 31, 2021 December 31, 2020 Unpaid Principal Unpaid Principal (Dollars in Thousands) Balance/Notional Fair Value Balance/Notional Fair Value Residential Mortgage Loans Held for Sale $ 50,733 $ 52,532 $ 109,831 $ 114,039 Residential Mortgage Loan Commitments ("IRLCs") (1) 51,883 1,258 147,494 4,825 Forward Sales Contracts (2) 48,000 (7) 158,500 (907) $ 53,783 $ 117,957 (1) Recorded in other assets at fair value (2) Recorded in other liabilities at fair value
Mortgage banking revenue | (Dollars in Thousands) 2021 2020 Net realized gains on sales of mortgage loans $ 49,355 $ 59,709 Net change in unrealized gain on mortgage loans held for sale (2,410) 2,926 Net change in the fair value of mortgage loan commitments (IRLCs) (3,567) 2,625 Net change in the fair value of forward sales contracts 900 284 Pair-Offs on net settlement of forward sales contracts 2,956 (9,602) Mortgage servicing rights additions 1,416 3,448 Net origination fees 3,775 3,954 Total mortgage banking revenues $ 52,425 $ 63,344
Summary of mortgage servicing rights | (Dollars in Thousands) 2021 2020 Number of residential mortgage loans serviced for others 2,106 1,796 Outstanding principal balance of residential mortgage loans serviced for others $ 532,967 $ 456,135 Weighted average interest rate 3.59% 3.64% Remaining contractual term (in months) 317 321
Activity in the capitalized mortgage servicing rights | (Dollars in Thousands) 2021 2020 Beginning balance $ 3,452 $ 910 Additions due to loans sold with servicing retained 1,416 3,448 Deletions and amortization (1,344) (656) Valuation Allowance (temporary impairment) 250 (250) Ending balance $ 3,774 $ 3,452
Key unobservable inputs used in determining the fair value of mortgage servicing rights | 2021 2020 Minimum Maximum Minimum Maximum Discount rates 11.00% 15.00% 11.00% 15.00% Annual prepayment speeds 11.98% 23.79% 13.08% 23.64% Cost of servicing (per loan) $ 60 73 $ 90 110
Warehouse Line Borrowings | Amounts (Dollars in Thousands) Outstanding $ 75 million master repurchase agreement without defined expiration. Interest is at the Prime rate minus 1.00% to plus 1.00% , with a floor rate of 3.25% . A cash pledge deposit of $ 0.5 million is required by the lender. $ 11,607 $ 75 million warehouse line of credit agreement expiring in November 2022 . Interest is at the SOFR plus 2.25% to 3.25% . 17,371 $ 28,978

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- Definition Tabular disclosure of residential mortage production, unpaid principal balance of residential mortgage loans held for sale, notional amounts of derivative contracts related to residential mortgage loan commitments and forward contract sales and their related fair values. + References No definition available. + Details
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- Definition Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value. + References No definition available. + Details
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- Definition Tabular disclosure of disaggregation of revenue into categories depicting how nature, amount, timing, and uncertainty of revenue and cash flows are affected by economic factor. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 606 -SubTopic 10 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=123351226&loc=SL49130545-203045 + Details
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- Definition Tabular disclosure of information pertaining to short-term and long-debt instruments or arrangements, including but not limited to identification of terms, features, collateral requirements and other information necessary to a fair presentation. + 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/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 860 -SubTopic 50 -Section 50 -Paragraph 3 -Subparagraph (a) -URI http://asc.fasb.org/extlink&oid=125521744&loc=d3e122625-111746 + Details
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