COMMITMENTS AND CONTINGENCIES (Tables)

9 Months Ended

Sep. 30, 2021

Commitments and Contingencies Disclosure [Abstract]

Schedule of Guarantor Obligations

A summary of the Company’s commitments is as follows:

(dollars in thousands)	September 30, 2021		December 31, 2020
Commitments to extend credit	$	3,783,300	$	2,826,719
Unused home equity lines of credit	265,963		259,015
Financial standby letters of credit	33,259		33,613
Mortgage interest rate lock commitments	592,061		1,199,939

Schedule of Allowance for Credit Loss for Unfunded Commitments

The following table presents activity in the allowance for unfunded commitments for the periods presented:

	Three Months Ended September 30,				Nine Months Ended September 30,
(dollars in thousands)	2021		2020		2021		2020
Balance at beginning of period	$	22,314	$	37,503	$	32,854	$	1,077
Adjustment to reflect adoption of ASC 326	—		—		—		12,714
Provision for unfunded commitments	(5,516)		(10,131)		(16,056)		13,581
Balance at end of period	$	16,798	$	27,372	$	16,798	$	27,372