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MORTGAGE BANKING ACTIVITIES (Tables) | 3 Months Ended
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Mar. 31, 2025
Mortgage Banking Activities [Abstract] |
Mortgage Banking Revenue | Three Months Ended March 31, (Dollars in Thousands) 2025 2024 Net realized gains on sales of mortgage loans $ 2,880 $ 1,676 Net change in unrealized gain on mortgage loans held for sale 234 93 Net change in the fair value of IRLC's 495 204 Net change in the fair value of forward sales contracts (175) 132 Pair-Offs on net settlement of forward sales contracts (186) 58 Mortgage servicing rights additions 20 150 Net origination fees 552 565 Total mortgage banking revenues $ 3,820 $ 2,878
Summary of Mortgage Servicing Rights | (Dollars in Thousands) March 31, 2025 December 31, 2024 Number of residential mortgage loans serviced for others 510 504 Outstanding principal balance of residential mortgage loans serviced for others $ 133,497 $ 135,416 Weighted average interest rate 5.89% 5.86% Remaining contractual term (in months) 349 348
Capitalized Mortgage Servicing Rights | Three Months Ended March 31, (Dollars in Thousands) 2025 2024 Beginning balance $ 933 $ 831 Additions due to loans sold with servicing retained 20 150 Deletions and amortization (45) (62) Ending balance $ 908 $ 919
Key Unobservable Inputs Used in Determining the Fair Value of Mortgage Servicing Rights | March 31, 2025 December 31, 2024 Minimum Maximum Minimum Maximum Discount rates 9.50% 12.00% 9.50% 12.00% Annual prepayment speeds 9.69% 19.32% 9.14% 18.88% Cost of servicing (per loan) $ 85 $ 95 $ 85 $ 95
Warehouse Line Borrowings | Amounts (Dollars in Thousands) Outstanding $ 25 million master repurchase agreement without defined expiration. Interest is at the SOFR rate plus 2.00% to 3.00% , with a floor rate of 3.25% to 4.25% . A cash pledge deposit of $ 0.1 million is required by the lender. $ 13,582 $ 25 million warehouse line of credit agreement expiring in May 2025 . Interest is at the SOFR plus 2.75% to 3.25% . 753 Total Warehouse Borrowings $ 14,335

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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 The summary of information related to mortage servicing rights. + 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 -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-5 + 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 -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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