PNC FINANCIAL SERVICES GROUP, INC.
For the period ended Dec 31, 2025. Filed Feb 20, 2026.
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FY2025 · Filed Feb 20, 2026
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Loan Sale and Servicing Activities
The following table provides our loan sale and servicing activities:
Table 56: Loan Sale and Servicing Activities
| In millions | Residential Mortgages | Commercial Mortgages |
|---|---|---|
| Sales of loans and related securitization activity (a) | $3,213 | $4,254 |
| Repurchases of previously transferred loans (b) | $127 | $— |
| Servicing fees (c) | $523 | $197 |
| Servicing advances recovered/(funded), net | $25 | $10 |
| Cash flows on mortgage-backed securities held (d) | $2,407 | $193 |
| Sales of loans and related securitization activity (a) | $3,060 | $3,918 |
| Repurchases of previously transferred loans (b) | $103 | $9 |
| Servicing fees (c) | $551 | $204 |
| Servicing advances recovered/(funded), net | $19 | $(92) |
| Cash flows on mortgage-backed securities held (d) | $2,499 | $67 |
(a)Gains/losses recognized on sales of loans were insignificant for the periods presented.
(b)Represents the outstanding principal balance of repurchased loans and includes both residential and commercial mortgage government insured or guaranteed loans eligible for repurchase through the exercise of our ROAP option, as well as residential mortgage loans repurchased due to alleged breaches of origination covenants or representations and warranties made to purchasers.
(c)Includes contractually specified servicing fees, late charges and ancillary fees.
(d)Represents cash flows on securities where we transferred to, and/or service loans for, a securitization SPE and we hold securities issued by that SPE. The carrying values of such securities held were $17.2 billion in residential mortgage-backed securities and $0.4 billion in commercial mortgage-backed securities at December 31, 2025. Comparable amounts at December 31, 2024 were $18.2 billion and $0.6 billion, respectively.
122 The PNC Financial Services Group, Inc. –2025 Form 10-K
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