v3.25.4
Servicing of Financial Assets (Tables)
 12 Months Ended
Dec. 31, 2025
Transfers and Servicing of Financial Assets [Abstract]  
Schedule of Residential Mortgage Servicing Rights Under The Fair Value Measurement Method
The table below presents an analysis of residential MSRs under the fair value measurement method for the years ended December 31: 
 202520242023
 (In millions)
Carrying value, beginning of year$1,007 $906 $812 
Additions27 26 27 
Purchases (1)
29 138 158 
Increase (decrease) in fair value (2):
Due to change in valuation inputs or assumptions20 60 17 
Economic amortization associated with borrower repayments (3)
(113)(123)(108)
Carrying value, end of year$970 $1,007 $906 
_________
(1)Purchases of residential MSRs can be structured with cash hold back provisions, therefore the timing of payment may be made in future periods.
(2)Included in mortgage income. Amounts presented exclude offsetting impact from related derivatives.
(3)Includes both total loan payoffs as well as partial paydowns. Regions' MSR decay methodology is a discounted net cash flow approach.
Data And Assumptions Used In The Fair Value Calculation As Well As The Valuation's Sensitivity To Rate Fluctuations Related To Mortgage Servicing Rights
Data and assumptions used in the fair value calculation, as well as the valuation’s sensitivity to rate fluctuations, related to residential MSRs (excluding related derivative instruments) as of December 31 are as follows: 
 20252024
 (Dollars in millions)
Unpaid principal balance$64,631 $67,546 
Weighted-average CPR (%)7.5 %8.0 %
Estimated impact on fair value of a 10% increase$(36)$(37)
Estimated impact on fair value of a 20% increase$(70)$(78)
Option-adjusted spread (basis points)496 505 
Estimated impact on fair value of a 10% increase$(22)$(22)
Estimated impact on fair value of a 20% increase$(44)$(45)
Weighted-average coupon interest rate3.9 %3.8 %
Weighted-average remaining maturity (months)289296
Weighted-average servicing fee (basis points)27.6 27.3 
us-gaap_ScheduleOfServicingAssetsAtFairValue(CommercialMortgage)TextBlock
The table below presents an analysis of commercial MSRs through non-DUS agency programs under the fair value measurement method for the years ended December 31: 
202520242023
(In millions)
Carrying value, beginning of year$97 $81 $78 
Additions12 235
Increase (decrease) in fair value(1):
Due to change in valuation inputs or assumptions2 9 13 
Economic amortization associated with borrower repayments (2)
(18)(16)(15)
Carrying value, end of year$93 $97 $81 
_____
(1)Included in capital markets income. Amounts presented exclude offsetting impact from related derivatives.
(2)Includes both total loan payoffs as well as partial paydowns. Regions' MSR decay methodology is a discounted net cash flow approach.
us-gaap_ScheduleOfAssumptionsForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilities(Commercial Mortgage)TextBlock
Data and assumptions used in the fair value calculation, as well as the valuation’s sensitivity to rate fluctuations, related to commercial MSRs through non-DUS agency programs (excluding related derivative instruments) as of December 31 are as follows: 
20252024
(Dollars in millions)
Unpaid principal balance$8,271 $7,425 
Weighted-average CPR (%)
7.5 %7.7 %
Estimated impact on fair value of a 10% increase$(2)$(1)
Estimated impact on fair value of a 20% increase$(3)$(3)
Weighted-average discount rate (%)
8.2 %7.1 %
Estimated impact on fair value of a 10% increase$(3)$(2)
Estimated impact on fair value of a 20% increase$(5)$(5)
Weighted-average coupon interest rate4.9 %4.7 %
Weighted-average remaining maturity (months)141150
Weighted-average servicing fee (basis points)24.326.4
Servicing Asset at Amortized Cost
The table below presents an analysis of commercial DUS MSRs under the amortization measurement method for the years ended December 31:
202520242023
(In millions)
Carrying value, beginning of year$90 $87 $81 
Additions18 20 21 
Economic amortization associated with borrower repayments (1)
(19)(17)(15)
Carrying value, end of year$89 $90 $87