XML 80 R70.htm IDEA: XBRL DOCUMENT v3.22.2
Loans and Allowance for Credit Losses - Loan Vintage (Details) - USD ($)
$ in Thousands
Jun. 30, 2022
Dec. 31, 2021
Loan classification and delinquency by year of origination    
UPB $ 9,835,455 $ 7,103,423
Current fiscal year 2,369,353 3,702,631
Year before current fiscal year 4,095,670 605,289
Two years before current fiscal year 550,809 974,892
Three years before current fiscal year 1,206,110 523,579
Four years before current fiscal year 490,412 173,349
Five or more years before current fiscal year 1,026,664 1,045,667
Total 9,739,018 7,025,407
General allowance for loan losses (27,409) (28,113)
Total Loans, net of allowance for loan losses, including loans in consolidated VIEs 9,711,609 6,997,294
Special allowance for loan losses including PCD allowance 18,700  
Purchased financial assets with credit deterioration 5,000  
Specific allowance for loan losses 13,716 17,264
Current and less than 30 days past due    
Loan classification and delinquency by year of origination    
UPB 9,577,193 6,901,474
Current fiscal year 2,369,245 3,666,020
Year before current fiscal year 4,095,520 596,289
Two years before current fiscal year 546,341 953,269
Three years before current fiscal year 1,161,571 473,798
Four years before current fiscal year 353,190 167,629
Five or more years before current fiscal year 971,228 984,680
Total 9,497,095 6,841,685
30-59 Days Past Due    
Loan classification and delinquency by year of origination    
UPB 16,211 73,836
Current fiscal year   35,549
Year before current fiscal year   352
Two years before current fiscal year   18,393
Three years before current fiscal year 14,675 3,714
Four years before current fiscal year   228
Five or more years before current fiscal year 1,462 14,601
Total 16,137 72,837
60+ Days Past Due    
Loan classification and delinquency by year of origination    
UPB 242,051 128,113
Current fiscal year 108 1,062
Year before current fiscal year 150 8,648
Two years before current fiscal year 4,468 3,230
Three years before current fiscal year 29,864 46,067
Four years before current fiscal year 137,222 5,492
Five or more years before current fiscal year 53,974 46,386
Total 225,786 110,885
Bridge    
Loan classification and delinquency by year of origination    
UPB 7,088,917 4,579,419
Current fiscal year 2,273,190 3,461,864
Year before current fiscal year 3,839,216 430,248
Two years before current fiscal year 384,815 399,603
Three years before current fiscal year 331,772 205,855
Four years before current fiscal year 166,603 11,327
Five or more years before current fiscal year 32,763 29,490
Total 7,028,359 4,538,387
General allowance for loan losses (13,466) (15,204)
Specific allowance for loan losses 4,927 4,315
Bridge | Current and less than 30 days past due    
Loan classification and delinquency by year of origination    
Total 6,927,794 4,451,230
Bridge | 30-59 Days Past Due    
Loan classification and delinquency by year of origination    
Total 14,675 52,997
Bridge | 60+ Days Past Due    
Loan classification and delinquency by year of origination    
Total 85,890 34,160
Construction    
Loan classification and delinquency by year of origination    
UPB 434,520  
Two years before current fiscal year 10,000  
Three years before current fiscal year 364,124  
Four years before current fiscal year 60,395  
Total 434,519  
General allowance for loan losses (122)  
Purchased financial assets with credit deterioration 5,000  
Construction | Current and less than 30 days past due    
Loan classification and delinquency by year of origination    
Total 360,124  
Construction | 60+ Days Past Due    
Loan classification and delinquency by year of origination    
Total 74,395  
Fixed rate    
Loan classification and delinquency by year of origination    
UPB 1,016,157 1,088,076
Current fiscal year 38,292 142,801
Year before current fiscal year 143,770 103,528
Two years before current fiscal year 95,074 393,563
Three years before current fiscal year 346,706 163,912
Four years before current fiscal year 143,314 98,123
Five or more years before current fiscal year 248,954 187,918
Total 1,016,110 1,089,845
General allowance for loan losses (2,241) (2,667)
Specific allowance for loan losses 3,981 4,194
Fixed rate | Current and less than 30 days past due    
Loan classification and delinquency by year of origination    
Total 988,947 1,057,708
Fixed rate | 60+ Days Past Due    
Loan classification and delinquency by year of origination    
Total 27,163 32,137
Freddie Mac    
Loan classification and delinquency by year of origination    
UPB 6,070 2,985
Year before current fiscal year   3,093
Two years before current fiscal year 6,179  
Total 6,179 3,093
Freddie Mac | Current and less than 30 days past due    
Loan classification and delinquency by year of origination    
Total 3,086  
Freddie Mac | 60+ Days Past Due    
Loan classification and delinquency by year of origination    
Total 3,093 3,093
Residential    
Loan classification and delinquency by year of origination    
UPB 2,873 3,914
Current fiscal year 1,141 1,413
Year before current fiscal year 156 492
Two years before current fiscal year   468
Four years before current fiscal year 183  
Five or more years before current fiscal year 1,157 1,215
Total 2,637 3,588
General allowance for loan losses (5) (8)
Specific allowance for loan losses 52 52
Residential | Current and less than 30 days past due    
Loan classification and delinquency by year of origination    
Total 1,537 1,674
Residential | 60+ Days Past Due    
Loan classification and delinquency by year of origination    
Total 1,100 1,914
SBA 7(a)    
Loan classification and delinquency by year of origination    
UPB 590,336 618,012
Current fiscal year 54,407 92,030
Year before current fiscal year 85,108 44,955
Two years before current fiscal year 42,224 104,938
Three years before current fiscal year 91,154 122,242
Four years before current fiscal year 102,958 49,031
Five or more years before current fiscal year 184,659 173,616
Total 560,510 586,812
General allowance for loan losses (9,275) (6,653)
Specific allowance for loan losses 3,851 5,527
SBA 7(a) | Current and less than 30 days past due    
Loan classification and delinquency by year of origination    
Total 557,134 576,593
SBA 7(a) | 30-59 Days Past Due    
Loan classification and delinquency by year of origination    
Total 730 6,741
SBA 7(a) | 60+ Days Past Due    
Loan classification and delinquency by year of origination    
Total 2,646 3,478
Other    
Loan classification and delinquency by year of origination    
UPB 696,582 811,017
Current fiscal year 2,323 4,523
Year before current fiscal year 27,420 22,973
Two years before current fiscal year 12,517 76,320
Three years before current fiscal year 72,354 31,570
Four years before current fiscal year 16,959 14,868
Five or more years before current fiscal year 559,131 653,428
Total 690,704 803,682
General allowance for loan losses (2,300) (3,581)
Specific allowance for loan losses 905 3,176
Other | Current and less than 30 days past due    
Loan classification and delinquency by year of origination    
Total 658,473 754,480
Other | 30-59 Days Past Due    
Loan classification and delinquency by year of origination    
Total 732 13,099
Other | 60+ Days Past Due    
Loan classification and delinquency by year of origination    
Total $ 31,499 $ 36,103