Independent Bank Corporation IBCP Loans sold and serviced that have had servicing rights capitalized

Loans sold and serviced that have had servicing rights capitalized at other companies

Western Alliance BancorporationWAL

$294.8M+13.2%

Banner CorporationBANR

$190K+179%

BOK FinancialBOKF

$4.01M+59.8%

Republic BancorpRBCAA

$377K+19.3%

Alerus Financial CorporationALRS

-$11K+79.6%

Axos FinancialAX

$26.3M-4.7%

Questions, answered.

What is Independent Bank Corporation's loans sold and serviced that have had servicing rights capitalized?

Independent Bank Corporation (IBCP) reported loans sold and serviced that have had servicing rights capitalized of $2.61B in Q4 2025.

How has Independent Bank Corporation's loans sold and serviced that have had servicing rights capitalized changed year-over-year?

Independent Bank Corporation's loans sold and serviced that have had servicing rights capitalized decreased by 26.3% year-over-year, from $3.54B to $2.61B.

What is the long-term trend for Independent Bank Corporation's loans sold and serviced that have had servicing rights capitalized?

Over 5 years (2020 to 2025), Independent Bank Corporation's loans sold and serviced that have had servicing rights capitalized has grown at a -2.6% compound annual growth rate (CAGR), from $2.98B to $2.61B.

What does loans sold and serviced that have had servicing rights capitalized mean?

This represents the total principal balance of mortgage loans sold to third parties where the bank retains the servicing rights and has recognized these rights as an asset on the balance sheet. It reflects the bank's ongoing role in loan administration and the value derived from servicing fee income. This metric is essential for understanding the bank's non-interest income stream from mortgage operations.