Wells Fargo & Company Fair value adjustment for MSR and HFS loans decreased by 5.7% to -$37.00M in Q4 2025 compared to the prior quarter. Over 2 years (FY 2021 to FY 2025), Fair value adjustment for MSR and HFS loans shows a downward trend with a -42.9% CAGR. This decline may warrant attention — for this metric, higher values are generally preferred.
Positive adjustments indicate rising market values for mortgage assets, while negative adjustments reflect market depreciation or interest rate volatility impacting asset valuations.
This reflects the non-cash impact of fair value changes on mortgage servicing rights and loans held for sale. It capture...
Common among mortgage-heavy financial institutions; comparable to fair value adjustments in other banks' trading or mortgage banking segments.
cf_wfc_fv_adjustment_msr_and_hfs_loans| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | -$473.00M | $263.00M | $30.00M | $891.00M | $345.00M | $314.00M | -$441.00M | $38.00M | $215.00M | -$663.00M | $66.00M | -$157.00M | -$451.00M | -$239.00M | -$76.00M | -$35.00M | -$37.00M |
| QoQ Change | — | +155.6% | -88.6% | >999% | -61.3% | -9.0% | -240.4% | +108.6% | +465.8% | -408.4% | +110.0% | -337.9% | -187.3% | +47.0% | +68.2% | +53.9% | -5.7% |
| YoY Change | — | — | — | — | +172.9% | +19.4% | -149.5% | -89.0% | -31.5% | — | +115.0% | -513.2% | -309.8% | -462.1% | +51.6% | +92.2% | — |
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