Company: WTFCN
Filing Date: 2025-08-06
Form Type: 10-Q
Source: 0001015328-25-000188
Chunk: 165

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-08-06
Form: 10-Q
Item: Item 2
Chunk 165
---
717 $1,300,913 Production margin (B/C)2.07 %2.03 %1.94 %2.19 %Mortgage Servicing:Loans serviced for others (D)$12,470,924 $12,211,027 MSRs, at fair value (E)193,061 204,610 Percentage of MSRs to loans serviced for others (E/D)1.55 %1.68 %Servicing income$10,520 $10,586 $21,131 $21,084 MSR Fair Value Asset ActivityMSR - FV at Beginning of Period$196,307 $201,044 $203,788 $192,456 MSR - current period capitalization6,336 8,223 11,005 13,602 MSR - collection of expected cash flows - paydowns(1,516)(1,504)(3,106)(2,948)MSR - collection of expected cash flows - payoffs and repurchases(4,100)(4,030)(7,146)(6,972)MSR - changes in fair value model assumptions(3,966)877 (11,480)8,472 MSR Fair Value at end of period$193,061 $204,610 $193,061 $204,610 Summary of Mortgage Banking RevenueOperational:Production revenue (1)$13,380 $14,990 $23,321 $28,425 MSR - Current period capitalization6,336 8,223 11,005 13,602 MSR - Collection of expected cash flows - paydowns(1,516)(1,504)(3,106)(2,948)MSR - Collection of expected cash flows - pay offs(4,100)(4,030)(7,146)(6,972)Servicing Income10,520 10,586 21,131 21,084 Other Revenue(79)112 (251)21 Total operational mortgage banking revenue$24,541 $28,377 $44,954 $53,212 Fair Value:MSR - changes in fair value model assumptions$(3,966)$877 $(11,480)$8,472 Gain (loss) on derivative contract held as an economic hedge, net2,535 (772)