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v3.22.2.2

Servicing rights - Residential mortgage servicing rights (Details) - USD ($) $ in Thousands | 9 Months Ended | 12 Months Ended |  |  |  |
--- | --- | --- | --- | --- | --- | ---
Sep. 30, 2022 | Dec. 31, 2021 | Jun. 30, 2022 | Sep. 30, 2021 | Jun. 30, 2021 | Dec. 31, 2020
Servicing rights |  |  |  |  |  |
Unpaid Principal Amount | $ 5,636,003 | $ 5,089,157 |  |  |  |
Residential MSRs |  |  |  |  |  |
Servicing rights |  |  |  |  |  |
Unpaid Principal Amount | 11,971,972 | 10,995,685 |  |  |  |
Fair Value | 192,153 | 120,142 | $ 168,653 | $ 107,589 | $ 100,820 | $ 76,840
Possible impact of adverse changes to key assumptions |  |  |  |  |  |
Prepayment rate (10% adverse change) | (5,564) | (5,262) |  |  |  |
Prepayment rate (20% adverse change) | (10,845) | (9,262) |  |  |  |
Discount rate (10% adverse change) | (8,957) | (4,533) |  |  |  |
Discount rate (20% adverse change) | (17,158) | (8,745) |  |  |  |
Cost of servicing (10% adverse change) | (2,682) | (2,125) |  |  |  |
Cost of servicing (20% adverse change) | (5,365) | (4,251) |  |  |  |
Fannie Mae | Residential MSRs |  |  |  |  |  |
Servicing rights |  |  |  |  |  |
Unpaid Principal Amount | 4,435,689 | 4,056,595 |  |  |  |
Fair Value | 64,610 | 41,698 |  |  |  |
Freddie Mac | Residential MSRs |  |  |  |  |  |
Servicing rights |  |  |  |  |  |
Unpaid Principal Amount | 4,502,736 | 4,131,904 |  |  |  |
Fair Value | 68,710 | 45,017 |  |  |  |
Ginnie Mae | Residential MSRs |  |  |  |  |  |
Servicing rights |  |  |  |  |  |
Unpaid Principal Amount | 3,033,547 | 2,807,186 |  |  |  |
Fair Value | $ 58,833 | $ 33,427 |  |  |  |
Minimum | Residential MSRs |  |  |  |  |  |
Servicing rights, valuation assumptions |  |  |  |  |  |
Forward prepayment assumptions | 6.00% | 8.40% |  |  |  |
Discount rate | 9.50% | 9.00% |  |  |  |
Cost of servicing | $ 70 | $ 70 |  |  |  |
Maximum | Residential MSRs |  |  |  |  |  |
Servicing rights, valuation assumptions |  |  |  |  |  |
Forward prepayment assumptions | 8.60% | 20.90% |  |  |  |
Discount rate | 12.00% | 11.00% |  |  |  |
Cost of servicing | $ 85 | $ 85 |  |  |  |
Weighted Average | Residential MSRs |  |  |  |  |  |
Servicing rights, valuation assumptions |  |  |  |  |  |
Forward prepayment assumptions | 6.20% | 9.50% |  |  |  |
Discount rate | 10.10% | 9.40% |  |  |  |
Cost of servicing | $ 74 | $ 74 |  |  |  |

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