Company: WTFCN
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001015328-25-000207
Chunk: 169

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Item 2
Chunk 169
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R - FV at Beginning of Period$193,061 $204,610 $203,788 $192,456 MSR - current period capitalization5,829 6,357 16,834 19,959 MSR - collection of expected cash flows - paydowns(1,554)(1,598)(4,660)(4,546)MSR - collection of expected cash flows - payoffs and repurchases(4,050)(5,730)(11,196)(12,702)MSR - changes in fair value model assumptions(2,348)(17,331)(13,828)(8,859)MSR Fair Value at end of period$190,938 $186,308 $190,938 $186,308 Summary of Mortgage Banking RevenueOperational:Production revenue (1)$15,388 $13,113 $38,709 $41,538 MSR - Current period capitalization5,829 6,357 16,834 19,959 MSR - Collection of expected cash flows - paydowns(1,554)(1,598)(4,660)(4,546)MSR - Collection of expected cash flows - pay offs(4,050)(5,730)(11,196)(12,702)Servicing Income10,112 10,809 31,243 31,893 Other Revenue(345)(67)(596)(46)Total operational mortgage banking revenue$25,380 $22,884 $70,334 $76,096 Fair Value:MSR - changes in fair value model assumptions$(2,348)$(17,331)$(13,828)$(8,859)Gain on derivative contract held as an economic hedge, net265 6,892 7,697 3,543 Changes in FV on early buy-out loans guaranteed by US Govt (HFS)1,154 3,529 3,947 1,981 Total fair value mortgage banking revenue$(929)$(6,910)$(2,184)$(3,335)Total mortgage banking revenue$24,451 $15,974 $68,150 $72,761      

(1)Production revenue represents revenue earned from the origination and subsequent sale of mortgages, including gains on loans sold and fees from originations, changes in other related financial instruments carried at fair