v3.26.1
Servicing of Financial Assets (Tables)
 6 Months Ended
Jun. 30, 2026
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: 
Three Months Ended June 30Six Months Ended June 30
2026202520262025
(In millions)
Carrying value, beginning of period$954 $979 $970 $1,007 
Additions11 7 20 12 
Purchases (1)
13 1417 19 
Increase (decrease) in fair value (2):
Due to change in valuation inputs or assumptions5 16 6 6 
Economic amortization associated with borrower repayments (3)
(25)(28)(55)(56)
Carrying value, end of period$958 $988 $958 $988 
_________
(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) are as follows: 
June 30
20262025
(Dollars in millions)
Unpaid principal balance$63,258 $66,249 
Weighted-average CPR (%)7.4 %7.4 %
Estimated impact on fair value of a 10% increase$(38)$(36)
Estimated impact on fair value of a 20% increase$(72)$(69)
Option-adjusted spread (basis points)496 496 
Estimated impact on fair value of a 10% increase$(21)$(22)
Estimated impact on fair value of a 20% increase$(42)$(45)
Weighted-average coupon interest rate3.9 %3.9 %
Weighted-average remaining maturity (months)286293
Weighted-average servicing fee (basis points)27.8 27.5 
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: 
Three Months Ended June 30Six Months Ended June 30
2026202520262025
(In millions)
Carrying value, beginning of period$93 $94 $93 $97 
Additions3 2 8 4
Increase (decrease) in fair value(1):
Due to change in valuation inputs or assumptions2 1 2 — 
Economic amortization associated with borrower repayments (2)
(5)(4)(10)(8)
Carrying value, end of period$93 $93 $93 $93 
_____
(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) are as follows: 
June 30
20262025
(Dollars in millions)
Unpaid principal balance$8,528 $7,578 
Weighted-average CPR (%)
7.9 %7.2 %
Estimated impact on fair value of a 10% increase$(2)$(2)
Estimated impact on fair value of a 20% increase$(3)$(3)
Weighted-average discount rate (%)
8.2 %8.2 %
Estimated impact on fair value of a 10% increase$(3)$(3)
Estimated impact on fair value of a 20% increase$(5)$(5)
Weighted-average coupon interest rate5.0 %4.8 %
Weighted-average remaining maturity (months)141148
Weighted-average servicing fee (basis points)23.825.3
Servicing Asset at Amortized Cost
The table below presents an analysis of commercial DUS MSRs under the amortization measurement method:
Three Months Ended June 30Six Months Ended June 30
2026202520262025
(In millions)
Carrying value, beginning of period$86 $91 $89 $90 
Additions— 5 2 10 
Economic amortization associated with borrower repayments (1)
(4)(5)(9)(9)
Carrying value, end of period$82 $91 $82 $91