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El Paso-Ryan Nevarez

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Branch # Branch Budget 2023 1057 Austin, TX (1057) Loan Count FY 2021 Q1 2022 Q2 2022 Q3 2022 Q4 2022 FY 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 FY 2022 Production Volume 81                     1  7                     1  5                     1  4                        6 52                     1  1                     1  8                     1  8                     1  4 61 Average Loan Size       3  ,424,606       3  ,857,206       3  ,116,592       2  ,100,605       2  ,447,223       3  ,812,851       3  ,960,548       3  ,008,471 18,122,958           201,447           257,147           222,614           350,101 12,499,009           222,475           211,825           220,030           214,891 13,229,094 Total Revenue 223,740 240,366 216,870 Total Expense           132,710           142,272           112,264             75,627             95,682           149,075           154,850           117,625 Branch Contribution 670,708             99,406           101,333             83,143             53,557 462,872             69,490           100,602           103,704             82,927 517,231 Net Income 461,876             33,303             40,940             29,120             22,070 337,439             26,191             48,473             51,146             34,699 356,723 208,832 125,433 160,508 Total Revenue bps 136,340 19,605 25,511 16,654 13,667 16,402 33,221 35,303 22,665 107,592 Total Expense bps 75,437 Branch Contribution bps 370.1                387.5                368.8                360.2                360.0                391.0                391.0                391.0                391.0 391.0 Net Income bps 254.9                290.3                262.7                266.8                255.0 370.3                284.0                263.9                261.8                275.6 269.7 115.2                  97.2                106.1                  93.4                105.1 270.0                107.0                127.1                129.1                115.3 121.3 Headcount 100.4 Loan Per Support FTE 75.2 57.2 66.1 53.4 65.1 67.0 87.1 89.1 75.3 81.3 Total Loans Per FTE 60.4 1                       2                        2                        1                        1                        1                        1                        1                        1  1 -                    5.7                    5.0                    ‐                    ‐ 1                    ‐                    ‐                    ‐                    ‐ - 81.0                    8.5                    7.5                  14.0                    6.0 2.7                  11.0                  18.0                  18.0                  14.0 61.0 52.0 Product Mix % Conventional 54% 52% 60% 50% 88% 63% 62% 62% 62% 62% 62% Governmental 27% 20% 21% 21% 21% 21% 21% 19% 26% 25% 22% 7% 18% 17% 17% 17% 17% 17% Bond Jumbo 0% 22% 15% 28% 5% 0% 0% 0% 0% 0% 0% Brokered 0% 0% 0% 0% 0% 0% 0% HELOC/HELOAN 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Non-QM 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%  4,500,000 100.0 100%  4,000,000  3,500,000 90.0 90%  3,000,000  2,500,000 80.0 80%  2,000,000  1,500,000 70.0 70%  1,000,000 60.0 60%  500,000  ‐ 50.0 50% Q1 2022 40.0 40% 30.0 30% 20.0 20% 10.0 10% 0.0 0% Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Production  Volume Net Income bps Conventional Governmental Bond Jumbo Brokered HELOC/HELOAN Non‐QM





Branch # Branch Budget 2023 1006 Bakersfield, CA (1006) Loan Count FY 2021 Q1 2022 Q2 2022 Q3 2022 Q4 2022 FY 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 FY 2022 Production Volume 227                     3  5                     2  6                     1  2                     1  1 84                     1  6                     2  5                     2  9                     1  9 89 Average Loan Size     11,824,548       9  ,122,537       3  ,740,250       4  ,293,218       5  ,674,198       8  ,840,580       9  ,183,034       6  ,975,523 58,461,494           337,844           350,867           311,688           387,475 28,980,553           347,258           360,546           321,647           359,193 30,673,336 Total Revenue 257,540 344,678 345,304 Total Expense           442,659           342,068           130,617           169,943           225,234           350,922           364,515           276,889 Branch Contribution 2,332,425           272,504           239,255 1,085,286           171,100           229,103           235,867           197,355 1,217,560 Net Income 1,454,486           170,154           102,813           124,828           156,019 792,605             54,134           121,819           128,649             79,534 833,425 292,681 384,135 Total Revenue bps 877,939 124,692 67,091                5,789             13,924 179,363 31,437 86,457 91,916 51,632 261,442 Total Expense bps 646,613 Branch Contribution bps (9,172) (3,248) 374.5 396.9 Net Income bps 399.0 273.5 271.7 248.8                374.4                375.0                349.2                395.8 101.0                396.9                396.9                396.9                396.9 125.2 Headcount 150.2                230.5                262.3                301.5                259.1                256.9                282.9 Loan Per Support FTE 110.6                143.9                112.7                333.7                363.4 61.9                  95.4                137.8                140.1                114.0 85.2 Total Loans Per FTE 5 105.5 73.5                  15.5                  32.4 4 55.4 97.8 100.1 74.0 4 10.9 7.0 7.4 45.4 (24.5) (7.6) 21.0 22.2                       4                        3                        3                        4                        4                        4                        4                        4                   11.7                    8.7                    4.0                    3.7                    5.4                    8.2                    9.5                    6.5                    8.8                    8.7                    4.0                    2.8                    4.1                    6.1                    7.1                    4.9 Product Mix % Conventional 73% 84% 80% 92% 86% 86% 84% 84% 84% 84% 84% Governmental 16% 9% 9% 9% 9% 9% 9% 7% 18% 0% 12% 3% 4% 4% 4% 4% 4% Bond 9% 0% 0% 0% 0% 0% 0% Jumbo 1% 5% 0% 8% 1% 2% 2% 2% 2% 2% 2% Brokered 1% 0% 0% 0% 0% 0% 0% HELOC/HELOAN 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Non-QM 0% 4% 2% 0% 1% 0% 0% 0% 0% 0% 0% 0% 0%  14,000,000 120.0 100%  12,000,000  10,000,000 100.0 90% 80.0 80%  8,000,000 60.0 70%  6,000,000 60%  4,000,000  2,000,000 40.0 50%  ‐ 20.0 40% Q1 2022 0.0 30% ‐20.0 20% 10% ‐40.0 0% Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Production  Volume Net Income bps Conventional Governmental Bond Jumbo Brokered HELOC/HELOAN Non‐QM





Branch # Branch Budget 2023 1037 Blair, NE (1037) Loan Count FY 2021 Q1 2022 Q2 2022 Q3 2022 Q4 2022 FY 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 FY 2022 Production Volume 310                     4  3                     5  1                     4  7                     3  2 173                     3  4                     5  4                     5  6                     4  1 186 Average Loan Size       7  ,040,046       9  ,825,386       9  ,038,477       5  ,419,827       6  ,132,978       9  ,555,374       9  ,925,517       7  ,539,520 52,953,472           163,722           192,655           192,308           168,947 31,323,736           179,065           175,650           175,984           182,511 33,153,389 Total Revenue 170,818 180,978 177,900 Total Expense           292,598           382,495           370,468           203,781           259,328           403,878           419,512           318,735 Branch Contribution 2,318,419           238,717           270,783           252,737           177,914 1,249,341           202,934           270,786           278,041           230,240 1,401,453 Net Income 1,387,706             53,881           111,712           117,730             25,867 940,151             56,393           133,092           141,471             88,495 982,002 309,190 419,451 Total Revenue bps 930,713 25,721 72,410 81,577 4,435 184,142 31,861 94,871 101,769 58,337 286,837 Total Expense bps 718,899 Branch Contribution bps                415.6                389.3                409.9                376.0 398.8                422.8                422.7                422.7                422.8 422.7 Net Income bps 437.8                339.1                275.6                279.6                328.3 300.1                330.9                283.4                280.1                305.4 296.2 262.1                  76.5                113.7                130.3                  47.7                  92.0                139.3                142.5                117.4 126.5 Headcount 175.8 98.7 Loan Per Support FTE 135.8 36.5 73.7 90.3 8.2 58.8 52.0 99.3 102.5 77.4 86.5 Total Loans Per FTE 4                       4                        4                        4                        4  4                       4                        4                        4                        4  4 12.9                    7.2                    8.5                    7.8                    5.3 7.2                    5.7                    9.1                    9.4                    6.9 7.8 77.5                  10.8                  12.8                  11.8                    8.0 43.3                    8.6                  13.6                  14.1                  10.3 46.6 Product Mix % Conventional 60% 66% 66% 49% 46% 57% 57% 57% 57% 57% 57% Governmental 37% 27% 32% 47% 48% 39% 38% 38% 38% 38% 38% Bond 2% 7% 2% 4% 4% 4% 4% 4% 4% 4% 4% Jumbo 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Brokered 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% HELOC/HELOAN 0% 0% 0% 0% 1% 0% 0% 0% 0% 0% 0% Non-QM 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%  12,000,000 120.0 100%  10,000,000 100.0 90%  8,000,000 80%  6,000,000  4,000,000 70%  2,000,000 80.0  ‐ 60% Q1 2022 60.0 50% 40% 40.0 30% 20% 20.0 10% 0.0 0% Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Production  Volume Net Income bps Conventional Governmental Bond Jumbo Brokered HELOC/HELOAN Non‐QM





Branch # Branch Budget 2023 1129 Boise, ID (1129) Loan Count FY 2021 Q1 2022 Q2 2022 Q3 2022 Q4 2022 FY 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 FY 2022 Production Volume 111                     1  2                     1  3                        7                        5 37                        7                     1  1                     1  1                     1  0 39 Average Loan Size       4  ,522,256       5  ,727,891       2  ,538,116       2  ,412,600       2  ,976,130       4  ,636,904       4  ,816,522       3  ,658,678 39,980,500           376,855           440,607           362,588           482,520 15,200,863           425,161           421,537           437,866           365,868 16,088,233 Total Revenue 360,185 410,834 412,519 Total Expense           175,599           242,542           101,386             98,717           128,074           199,543           207,273           157,446 Branch Contribution 1,730,150           126,231           162,699             81,695             81,213 618,243           101,212           126,357           129,050           111,634 692,336 Net Income 1,005,746             49,368             79,843             19,690             17,504 451,839             26,862             73,186             78,223             45,813 468,253 166,405 224,083 Total Revenue bps 724,404 31,279 56,932 9,538 7,853 105,601 14,957 54,638 58,957 31,178 159,730 Total Expense bps 564,482 Branch Contribution bps                388.3                423.4                399.5                409.2 406.7                430.3                430.3                430.3                430.3 430.3 Net Income bps 432.7                279.1                284.0                321.9                336.6 297.2                340.1                272.5                267.9                305.1 291.1 251.6                109.2                139.4                  77.6                  72.6 109.5                  90.3                157.8                162.4                125.2 139.3 Headcount 181.2 Loan Per Support FTE 141.2 69.2 99.4 37.6 32.6 69.5 50.3 117.8 122.4 85.2 99.3 Total Loans Per FTE 3                       3                        3                        3                        3  3                       3                        3                        3                        3  3 5.5                    4.0                    4.3                    2.3                    1.7 3.1                    2.3                    3.7                    3.7                    3.3 3.3 37.0                    4.0                    4.3                    2.3                    1.7 12.3                    2.3                    3.7                    3.7                    3.3 13.0 Product Mix % Conventional 67% 64% 52% 44% 78% 59% 70% 70% 70% 70% 70% Governmental 28% 27% 48% 42% 21% 34% 25% 25% 25% 25% 25% Bond 5% 9% 0% 14% 2% 6% 5% 5% 5% 5% 5% Jumbo 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Brokered 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% HELOC/HELOAN 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Non-QM 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%  7,000,000 140.0 100%  6,000,000  5,000,000 120.0 90%  4,000,000 100.0 80%  3,000,000 70%  2,000,000  1,000,000 60% 80.0  ‐ Q1 2022 50% 60.0 40% 40.0 30% 20% 20.0 10% 0.0 0% Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Production  Volume Net Income bps Conventional Governmental Bond Jumbo Brokered HELOC/HELOAN Non‐QM





Branch # Branch Budget 2023 1080 Clarinda, IA (1080) Loan Count FY 2021 Q1 2022 Q2 2022 Q3 2022 Q4 2022 FY 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 FY 2022 Production Volume 85                     2  0                     2  4                     1  7                     1  9 80                     1  6                     2  4                     2  5                     1  9 84 Average Loan Size       2  ,196,670       2  ,523,695       2  ,137,962       2  ,116,178       1  ,757,148       2  ,737,692       2  ,843,741       2  ,160,134 9,157,405           109,834           105,154           125,762           110,621 8,974,505           113,364           113,268           113,342           113,333 9,498,716 Total Revenue 107,734 111,999 113,323 Total Expense           128,704           155,823           126,579           118,157           108,015           168,290           174,809           132,787 Branch Contribution 548,842             93,188             99,524             70,233             80,001 529,263             66,474           100,429           104,093             80,428 583,902 Net Income 347,740             35,516             56,298             56,347             38,156 342,945             41,541             67,862             70,716             52,359 351,423 201,101 186,317 232,478 Total Revenue bps 164,472 26,729 46,204 47,795 29,692 150,419 34,513 56,911 59,341 43,719 194,484 Total Expense bps Branch Contribution bps 599.3                585.9                617.4                592.1                558.4 589.7                614.7                614.7                614.7                614.7 614.7 Net Income bps 379.7                424.2                394.4                328.5                378.0 382.1                378.3                366.8                366.0                372.3 370.0 219.6                161.7                223.1                263.6                180.3 207.6                236.4                247.9                248.7                242.4 244.7 Headcount 179.6 167.6 204.7 Loan Per Support FTE 121.7 183.1 223.6 140.3 196.4 207.9 208.7 202.4 Total Loans Per FTE 2 2 2 -                       2                        2                        2                        2  -                       2                        2                        2                        2  - 42.5                    ‐                    ‐                    ‐                    ‐ 40.1                    ‐                    ‐                    ‐                    ‐ 41.9                  10.0                  12.0                    8.5                    9.6                    7.8                  12.1                  12.5                    9.5 Product Mix % Conventional 17% 19% 7% 0% 39% 16% 16% 16% 16% 16% 16% Governmental 81% 81% 93% 100% 61% 84% 84% 84% 84% 84% 84% Bond 2% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Jumbo 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Brokered 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% HELOC/HELOAN 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Non-QM 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%  3,000,000 250.0 100%  2,500,000  2,000,000 90%  1,500,000  1,000,000 200.0 80%  500,000 70%  ‐ Q1 2022 150.0 60% 50% 100.0 40% 30% 50.0 20% 10% 0.0 0% Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Production  Volume Net Income bps Conventional Governmental Bond Jumbo Brokered HELOC/HELOAN Non‐QM





Branch # Branch Budget 2023 1100 Corporate Production (1100) Loan Count FY 2021 Q1 2022 Q2 2022 Q3 2022 Q4 2022 FY 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 FY 2022 Production Volume 581                     6  9                     4  6                     2  6                     1  9 160                     2  8                     4  3                     4  6                     3  5 152 Average Loan Size     20,404,579     17,894,825       8  ,489,702       1  ,828,624       9  ,119,907     14,209,103     14,759,516     11,211,474 152,502,188           295,719           389,018           326,527             95,191 48,617,730           325,711           330,444           320,859           320,328 49,300,000 Total Revenue 262,482 303,463 324,342 Total Expense Branch Contribution 4,997,632           624,178           550,694           252,420             42,172 1,469,464           292,288           455,393           473,034           359,321 1,580,036 Net Income 3,686,378           747,507           601,962           435,491           204,615 1,989,575           214,678           285,377           292,972           244,223 1,037,250 1,311,254          (123,329)            (51,268)          (183,071)          (162,443)             77,610           170,016           180,062           115,098 Total Revenue bps (520,111) 542,786 Total Expense bps 703,300 (202,246) (119,232) (216,530) (166,711) (704,719) 41,130 113,180 121,023 70,253 345,586 Branch Contribution bps Net Income bps 327.7                305.9                307.7                297.3                230.6 302.2                320.5                320.5                320.5                320.5 320.5 241.7 409.2                235.4                200.8                198.5                217.8 210.4 Headcount                366.3                336.4                513.0            1,119.0 (107.0)                  85.1                119.7                122.0                102.7 110.1 Loan Per Support FTE 86.0 (145.0) Total Loans Per FTE 46.1                 (60.4)                 (28.6)              (215.6)              (888.3) 45.1 79.7 82.0 62.7 70.1 29 (99.1) (66.6) (255.0) (911.7) 2 6.1 - 20.0                     2  7                     1  5                     1  3                       2  2                       2                        2                        2                        2  76.0                    2.9                    2.6                    1.7                    ‐ 1.8                    ‐                    ‐                    ‐                    ‐                    2.6                    3.1                    2.0                    9.6 80.1                  14.0                  21.5                  23.0                  17.5 Product Mix % Conventional 79% 80% 62% 63% 41% 62% 80% 80% 80% 80% 80% Governmental 16% 16% 20% 20% 20% 20% 20% 15% 28% 14% 7% Bond 3% 3% 0% 0% 0% 0% 0% Jumbo 2% 2% 0% 0% 9% 3% 0% 0% 0% 0% 0% Brokered 0% 2% 0% 0% 0% 0% 0% HELOC/HELOAN 0% 0% 4% 9% 0% 11% 0% 0% 0% 0% 0% Non-QM 0% 3% 0% 0% 0% 0% 0% 3% 5% 0% 0% 0% 0% 1% 42% 0% 0% 12% 0%  25,000,000 200.0 100%  20,000,000  15,000,000 90%  10,000,000 0.0  5,000,000 80%  ‐ Q1 2022 ‐200.0 70% 60% ‐400.0 50% ‐600.0 40% 30% ‐800.0 20% 10% ‐1,000.0 0% Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Production  Volume Net Income bps Conventional Governmental Bond Jumbo Brokered HELOC/HELOAN Non‐QM





Branch # Branch Budget 2023 1168 Dallas Ft. Worth (DFW), TX (1168) Loan Count FY 2021 Q1 2022 Q2 2022 Q3 2022 Q4 2022 FY 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 FY 2022 Production Volume -                    ‐                    ‐                    ‐                    ‐ -                     4  2                     5  1                     3  9                     2  8 160 Average Loan Size -                    ‐                    ‐                    ‐                    ‐ -       8  ,879,423     13,834,421     14,370,319     10,915,836 -                    ‐                    ‐                    ‐                    ‐ -           211,415           271,263           368,470           389,851 48,000,000 Total Revenue 300,000 Total Expense -                    ‐                    ‐                    ‐                    ‐ -           361,734           563,593           585,425           444,694 Branch Contribution -                    ‐                    ‐                    ‐             43,696 43,696           378,035           292,983 1,955,446 Net Income -                    ‐                    ‐                    ‐            (43,696) (43,696)           394,652           449,304           207,390           151,711 1,514,975 - (43,696) Total Revenue bps - - - (43,696)            (32,918)           114,289 149,909 108,048 440,472 Total Expense bps - 248,472 Branch Contribution bps - (68,436) 58,951 Net Income bps - 407.4 -                    ‐                    ‐                    ‐                    ‐ -                407.4                407.4                407.4                407.4 315.6 Headcount                    ‐                    ‐                    ‐                    ‐ Loan Per Support FTE -                    ‐                    ‐                    ‐                    ‐ -                444.5                324.8                263.1                268.4 91.8 Total Loans Per FTE - 51.8 - - - - - -                 (37.1)                  82.6                144.3                139.0 3 - (77.1) 42.6 104.3 99.0 - 53.3                    ‐                    ‐                    ‐                       2  2                       3                        3                        3                        3                     ‐                    ‐                    ‐                    ‐ -                    ‐                    ‐                    ‐                    ‐                    ‐                    ‐                    ‐                    ‐ -                  14.0                  17.0                  13.0                    9.3 Product Mix % Conventional 0% 0% 0% 0% 0% 0% 60% 60% 60% 60% 60% Governmental 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 30% 30% 30% 30% 30% Bond 0% 0% 0% 0% 0% Jumbo 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Brokered 0% 0% 0% 0% 0% HELOC/HELOAN 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Non-QM 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 10% 10% 10% 10% 10%  16,000,000 120.0 100%  14,000,000  12,000,000 100.0 90%  10,000,000 80.0 80% 60.0 70%  8,000,000 40.0 60%  6,000,000 20.0 50%  4,000,000 0.0 40%  2,000,000 ‐20.0 30% ‐40.0 20%  ‐ ‐60.0 10% Q1 2022 ‐80.0 ‐100.0 0% Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Production  Volume Net Income bps Conventional Governmental Bond Jumbo Brokered HELOC/HELOAN Non‐QM





Branch # Branch Budget 2023 1016 Denver, CO (1016) Loan Count FY 2021 Q1 2022 Q2 2022 Q3 2022 Q4 2022 FY 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 FY 2022 Production Volume 521                     8  1                     5  4                     2  8                     3  9 202                     4  2                     6  5                     6  7                     5  1 225 Average Loan Size     30,001,580     21,513,038     11,439,896     14,284,391     15,879,004     24,739,989     25,698,332     19,520,707 167,423,586           370,390           398,390           408,568           371,023 77,238,905           380,883           380,732           380,885           380,818 85,838,032 Total Revenue 321,350 383,320 380,825 Total Expense Branch Contribution 6,193,275       1  ,042,033           757,910           420,983           508,341 2,729,266           599,045           933,331           969,485           736,430 3,238,291 Net Income 4,267,548           838,918 2,527,709           505,416           664,734           681,945           573,443 2,425,537 1,925,727           203,115           775,057           456,302           457,431             93,629           268,597           287,540           162,988 Total Revenue bps 1,256,032 201,557 812,754 Total Expense bps 83,109            (17,148)            (35,320)             50,910 (104,204) 30,113 169,637 184,747 84,905 469,402 Branch Contribution bps 369.9 Net Income bps 254.9 (103,200) (80,202) (3,911) 377.3 115.0 282.6 Headcount                347.3                352.3                368.0                355.9 353.4                377.3                377.3                377.3                377.3 Loan Per Support FTE 75.0                279.6 327.3                318.3                268.7                265.4                293.8 94.7 Total Loans Per FTE                  67.7                360.3                398.9                320.2                  59.0                108.6                111.9                  83.5 54.7 10 26.1 5.6 27.7                   (8.0)                 (30.9)                  35.6 (13.5) 19.0 68.6 71.9 43.5 5 52.1 6.3 (48.0) (70.1) (2.7) 45.1                     1  3                       9                        6                        5  5                       5                        5                        5                        5                     3.9                    3.0                    2.3                    4.3 3.4                    4.6                    7.2                    7.5                    5.7                    6.2                    6.0                    4.7                    7.7 40.3                    8.3                  13.0                  13.5                  10.3 Product Mix % Conventional 89% 93% 81% 76% 79% 82% 83% 83% 83% 83% 83% Governmental 7% 2% 14% 10% 12% 10% 10% 10% 10% 10% 10% 2% 4% 0% 0% 3% Bond 2% 0% 0% 0% 0% 2% 2% 2% 2% 2% 2% Jumbo 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Brokered 0% 0% 0% 2% 5% 0% 0% 0% 0% 0% 0% HELOC/HELOAN 0% 1% 5% 13% 1% 2% 2% 2% 2% 2% 2% Non-QM 5% 4% 4% 4% 4% 4%  35,000,000 80.0 100%  30,000,000  25,000,000 60.0 90%  20,000,000  15,000,000 80%  10,000,000 40.0  5,000,000 70%  ‐ Q1 2022 20.0 60% 0.0 50% ‐20.0 40% ‐40.0 30% ‐60.0 20% 10% ‐80.0 0% Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Production  Volume Net Income bps Conventional Governmental Bond Jumbo Brokered HELOC/HELOAN Non‐QM





Branch # Branch Budget 2023 1125 Draper Branch (1125) Loan Count FY 2021 Q1 2022 Q2 2022 Q3 2022 Q4 2022 FY 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 FY 2022 Production Volume 244                     5  3                     4  5                     4  2                     2  9 169                     3  3                     5  4                     5  5                     4  0 182 Average Loan Size     20,257,724     18,002,195     16,527,562     12,656,253     13,205,032     20,573,857     21,370,818     16,233,484 78,883,313           382,221           400,049           393,513           435,971 67,443,734           398,823           381,988           388,348           407,467 71,383,191 Total Revenue 323,292 399,005 392,560 Total Expense           595,117           517,694           497,019           391,363           420,671           655,419           680,808           517,149 Branch Contribution 2,539,990           417,519           326,225           344,173           239,996 2,001,194           271,952           385,115           397,348           318,458 2,274,047 Net Income 1,587,171           177,598           191,469           152,846           151,368 1,327,913           148,719           270,305           283,460           198,690 1,372,873 Total Revenue bps 952,819 96,567 119,461 87,216 102,480 673,281 95,899 188,009 197,977 133,756 901,174 Total Expense bps 637,286 405,723 615,642 Branch Contribution bps                293.8                287.6                300.7                309.2                318.6                318.6                318.6                318.6 Net Income bps 322.0                206.1                181.2                208.2                189.6 296.7                205.9                187.2                185.9                196.2 318.6 201.2                  87.7                106.4                  92.5                119.6 196.9                112.6                131.4                132.6                122.4 192.3 Headcount 120.8 126.2 Loan Per Support FTE 47.7 66.4 52.8 81.0 99.8 72.6 91.4 92.6 82.4 Total Loans Per FTE 80.8 60.2 86.2                       6                        6                        5                        5                        5                        5                        5                        5  7                    4.4                    3.8                    4.7                    3.2 5                    3.7                    6.0                    6.1                    4.4 5 5.7                    8.8                    7.5                    8.4                    5.8 4.0                    6.6                  10.8                  11.0                    8.0 5.1 34.9 33.8 36.4 Product Mix % Conventional 77% 87% 70% 51% 51% 65% 66% 66% 66% 66% 66% Governmental 15% 13% 20% 31% 29% 23% 22% 22% 22% 22% 22% Bond 7% 0% 3% 4% 1% 2% 2% 2% 2% 2% 2% Jumbo 2% 0% 6% 5% 14% 6% 6% 6% 6% 6% 6% Brokered 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% HELOC/HELOAN 0% 0% 0% 1% 4% 1% 1% 1% 1% 1% 1% Non-QM 0% 0% 1% 8% 1% 3% 3% 3% 3% 3% 3%  25,000,000 100.0 100%  20,000,000  15,000,000 90.0 90%  10,000,000 80.0 80%  5,000,000  ‐ 70.0 70% Q1 2022 60.0 60% 50.0 50% 40.0 40% 30.0 30% 20.0 20% 10.0 10% 0.0 0% Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Production  Volume Net Income bps Conventional Governmental Bond Jumbo Brokered HELOC/HELOAN Non‐QM





Branch # Branch Budget 2023 1166 El Paso, TX (1166) Loan Count FY 2021 Q1 2022 Q2 2022 Q3 2022 Q4 2022 FY 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 FY 2022 Production Volume -                    ‐                    ‐                    ‐                        7 7                     1  5                     2  3                     2  4                     1  7 79 Average Loan Size -                    ‐                    ‐                    ‐       1  ,330,744       2  ,219,856       3  ,458,605       3  ,592,580       2  ,728,959 -                    ‐                    ‐                    ‐           190,106 1,330,744           147,990           150,374           149,691           160,527 12,000,000 Total Revenue 190,106 151,899 Total Expense - Branch Contribution -                    ‐                    ‐                    ‐             61,701 61,701           108,484           169,022           175,569           133,364 586,440 Net Income -                    ‐                    ‐ 101,688             83,003           117,564           121,301             97,208 419,076 -                    ‐                    ‐             26,644             75,044 (39,987)             25,482             51,458             54,268             36,156 167,364 Total Revenue bps (45,310) 119,364 Total Expense bps - - -            (26,644)            (13,343) 16,602 37,623 39,898 25,240 Branch Contribution bps - 488.7 Net Income bps - (26,644) (18,666) 349.2 - 139.5 Headcount                    ‐                    ‐                    ‐                463.7 463.7                488.7                488.7                488.7                488.7 Loan Per Support FTE 1                    ‐                    ‐                    ‐                563.9 764.1                373.9                339.9                337.6                356.2 99.5 Total Loans Per FTE -                    ‐                    ‐                    ‐              (100.3) (300.5)                114.8                148.8                151.1                132.5 - (340.5) 2 - - - (140.3) 74.8 108.8 111.1 92.5 6.6 39.5                       1                        1                        2                        2  2                       2                        2                        2                        2                     ‐                    ‐                    ‐                    2.3 0.6                    5.0                    7.7                    8.0                    5.7                    ‐                    ‐                    ‐                    3.5 3.5                    7.5                  11.5                  12.0                    8.5 Product Mix % Conventional 0% 0% 0% 0% 57% 14% 93% 93% 93% 93% 93% Governmental 0% 0% 0% 0% 43% 11% 7% 7% 7% 7% 7% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Bond 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Jumbo 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Brokered 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% HELOC/HELOAN 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Non-QM 0%  4,000,000 150.0 100%  3,500,000  3,000,000 100.0 90%  2,500,000 50.0 80%  2,000,000 70%  1,500,000  1,000,000 0.0 60% ‐50.0 50%  500,000 40%  ‐ Q1 2022 ‐100.0 30% ‐150.0 20% 10% ‐200.0 0% Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Production  Volume Net Income bps Conventional Governmental Bond Jumbo Brokered HELOC/HELOAN Non‐QM





Branch # Branch Budget 2023 1039 La Quinta, CA (1039) Loan Count FY 2021 Q1 2022 Q2 2022 Q3 2022 Q4 2022 FY 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 FY 2022 Production Volume 62                        9                        5                        5                        6 25                        4                        9                        9                        7 29 Average Loan Size       2  ,272,442           874,500       1  ,329,813       1  ,367,191       1  ,144,189       1  ,782,683       1  ,851,738       1  ,406,599 12,300,382           252,494           174,900           265,963           227,865 5,843,946           286,047           198,076           205,749           200,943 6,185,210 Total Revenue 198,393 233,758 213,283 Total Expense           143,568             55,460             83,288             66,829             71,013           110,641           114,926             87,299 Branch Contribution 728,414             92,303             67,028 349,145             61,521             80,935             83,036             69,502 383,879 Net Income 477,058             51,264             69,561             55,171                  (199) 284,064                9,492             29,706             31,890             17,797 294,994 251,356 Total Revenue bps 204,692 42,174            (14,101)             28,117 (5,611) 65,082 4,915 22,575 24,483 12,171 88,885 Total Expense bps 41,762 64,144 Branch Contribution bps 592.2 (17,599) 22,798 Net Income bps 387.8 597.4 620.6 204.3                631.8                634.2                626.3                488.8 486.1                620.6                620.6                620.6                620.6 476.9 Headcount 166.4                406.2                490.3 111.4                537.7                454.0                448.4                494.1 143.7 Loan Per Support FTE                225.6                795.4                414.9                   (1.5)                  83.0                166.6                172.2                126.5 103.7 Total Loans Per FTE 2 71.5 - 185.6              (161.2)                211.4 (41.0) 43.0 126.6 132.2 86.5 2 31.0 2 - (201.2) 171.4 - 14.5 12.5                       2                        2                        2                        2                        2                        2                        2                        2                     ‐                    ‐                    ‐                    ‐                    ‐                    ‐                    ‐                    ‐                    4.5                    2.5                    2.5                    3.0                    2.0                    4.5                    4.5                    3.5 Product Mix % Conventional 49% 51% 100% 27% 26% 51% 52% 52% 52% 52% 52% Governmental 32% 49% 0% 73% 42% 41% 41% 41% 41% 41% 41% 13% Bond 0% 0% 0% 32% 8% 7% 7% 7% 7% 7% Jumbo 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Brokered 6% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% HELOC/HELOAN 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Non-QM 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%  2,500,000 250.0 100%  2,000,000  1,500,000 200.0 90%  1,000,000 150.0 80%  500,000  ‐ 100.0 70% Q1 2022 50.0 60% 0.0 50% ‐50.0 40% ‐100.0 30% ‐150.0 20% ‐200.0 10% ‐250.0 0% Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Production  Volume Net Income bps Conventional Governmental Bond Jumbo Brokered HELOC/HELOAN Non‐QM





Branch # Branch Budget 2023 1144 Las Cruces 2, NM (1144) Loan Count FY 2021 Q1 2022 Q2 2022 Q3 2022 Q4 2022 FY 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 FY 2022 Production Volume 20                        5                        6                        3                        3 17                        3                        5                        5                        4 17 Average Loan Size       1  ,030,260       1  ,375,766       1  ,134,906           829,350           855,722       1  ,333,242       1  ,384,888       1  ,051,974 3,251,058           206,052           229,294           378,302           274,619 4,370,282           271,658           270,984           270,486           271,127 4,625,827 Total Revenue 162,553 256,773 270,992 Total Expense             45,208             50,857             45,849             31,943             35,936             55,989             58,158             44,177 Branch Contribution 126,649             31,865             33,705             31,402             28,309 173,856             26,996             36,622             37,732             30,593 194,261 Net Income 107,250             13,343             17,151             14,446                3,634 125,281                8,940             19,367             20,426             13,584 131,944 Total Revenue bps 19,399 9,222 14,060 9,907 317 48,575 5,517 14,034 14,886 9,376 62,317 Total Expense bps 6,395 33,506 43,814 Branch Contribution bps                438.8                369.7                404.0                385.2                419.9                419.9                419.9                419.9 Net Income bps 389.6                309.3                245.0                276.7                341.3 397.8                315.5                274.7                272.5                290.8 419.9 329.9                129.5                124.7                127.3                  43.8 286.7                104.5                145.3                147.5                129.1 285.2 Headcount 111.1 134.7 Loan Per Support FTE 59.7 89.5 102.2 87.3 3.8 64.5 105.3 107.5 89.1 Total Loans Per FTE 19.7 76.7 94.7                       1                        1                        1                        1                        1                        1                        1                        1  1                    ‐                    ‐                    ‐                    ‐ 1                    ‐                    ‐                    ‐                    ‐ 1 -                    5.0                    6.0                    3.0                    3.0 -                    3.2                    4.9                    5.1                    3.9 - 20.0 17.0 17.1 Product Mix % Conventional 43% 39% 17% 76% 59% 48% 58% 58% 58% 58% 58% Governmental 39% 61% 24% 24% 37% 37% 31% 31% 31% 31% 31% 17% Bond 0% 14% 0% 1% 4% 2% 2% 2% 2% 2% Jumbo 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Brokered 0% 0% 44% 0% 3% 12% 9% 9% 9% 9% 9% HELOC/HELOAN 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Non-QM 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%  1,600,000 120.0 100%  1,400,000  1,200,000 100.0 90%  1,000,000 80%  800,000 70%  600,000 80.0  400,000  200,000 60%  ‐ 60.0 50% Q1 2022 40% 40.0 30% 20% 20.0 10% 0.0 0% Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Production  Volume Net Income bps Conventional Governmental Bond Jumbo Brokered HELOC/HELOAN Non‐QM





Branch # Branch Budget 2023 1017 Las Vegas, NV (1017) Loan Count FY 2021 Q1 2022 Q2 2022 Q3 2022 Q4 2022 FY 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 FY 2022 Production Volume 838                   132                     8  8                     3  9                     3  6 295                     7  0                   110                   115                     8  7 382 Average Loan Size     41,941,888     31,418,753     14,128,603     12,953,337     24,973,377     38,909,310     40,416,524     30,700,790 232,098,994           317,742           357,031           362,272           363,144 100,442,581           356,763           352,951           352,952           353,167 135,000,000 Total Revenue 276,968 340,865 353,699 Total Expense Branch Contribution 9,150,085       1  ,527,112       1  ,173,614           526,902           473,578 3,701,205           976,713       1  ,521,749       1  ,580,697       1  ,200,713 5,279,871 Net Income 7,038,764 3,694,807           805,166       1  ,119,079       1  ,148,679           933,894 4,006,818 2,111,321       1  ,390,137       1  ,117,593           649,719           537,357           171,547           402,670           432,017           266,819 1,273,053 Total Revenue bps 1,205,429 6,399 Total Expense bps           136,975             56,020          (122,817)            (63,780) (385,375) 71,653 247,033 270,351 144,016 733,053 Branch Contribution bps 394.2 Net Income bps 303.3 (28,362) (68,145) (173,340) (115,528) 391.1 296.8 Headcount 91.0                364.1                373.5                372.9                365.6 368.5                391.1                391.1                391.1                391.1 Loan Per Support FTE 51.9 367.9                322.4                287.6                284.2                304.2 94.3 Total Loans Per FTE                331.4                355.7                459.9                414.8                  68.7                103.5                106.9                  86.9 54.3 30 0.6 4.6                  32.7                  17.8                 (86.9)                 (49.2) (38.4) 28.7 63.5 66.9 46.9 13 27.9 6.4 (6.8) (21.7) (122.7) (89.2) 29.4                     2  7                     2  1                     1  8                     1  3 13                     1  3                     1  3                     1  3                     1  3                    3.1                    2.9                    1.6                    2.4 2.5                    4.7                    7.3                    7.6                    5.8                    4.9                    4.2                    2.2                    2.7 22.7                    5.4                    8.5                    8.8                    6.7 Product Mix % Conventional 67% 73% 73% 61% 65% 68% 68% 68% 68% 68% 68% Governmental 23% 19% 25% 27% 28% 24% 24% 24% 24% 24% 24% Bond 6% 4% 1% 0% 3% 2% 2% 2% 2% 2% 2% Jumbo 1% 3% 0% 0% 0% 1% 1% 1% 1% 1% 1% Brokered 2% 1% 1% 8% 1% 3% 3% 3% 3% 3% 3% HELOC/HELOAN 0% 0% 0% 3% 0% 1% 1% 1% 1% 1% 1% Non-QM 0% 0% 0% 2% 2% 1% 1% 1% 1% 1% 1%  45,000,000 100.0 100%  40,000,000  35,000,000 90%  30,000,000  25,000,000 50.0 80%  20,000,000  15,000,000 70%  10,000,000 0.0 60%  5,000,000  ‐ 50% Q1 2022 ‐50.0 40% 30% ‐100.0 20% 10% ‐150.0 0% Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Production  Volume Net Income bps Conventional Governmental Bond Jumbo Brokered HELOC/HELOAN Non‐QM





Branch # Branch Budget 2023 1164 Lehi, UT (1164) Loan Count FY 2021 Q1 2022 Q2 2022 Q3 2022 Q4 2022 FY 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 FY 2022 Production Volume -                    ‐                    ‐                        3                        2 5                        7                     1  3                     1  0                     1  1 41 Average Loan Size -                    ‐                    ‐       1  ,073,287       1  ,290,244       3  ,329,784       5  ,187,908       5  ,388,870       4  ,093,439 -                    ‐                    ‐           357,762           570,904 2,363,531           453,032           413,379           563,100           358,445 18,000,000 Total Revenue 449,340 440,205 Total Expense - Branch Contribution -                    ‐                    ‐             29,888             50,248 80,136           121,004           188,024           194,964           147,071 651,064 Net Income -                    ‐                    ‐ 73,299             80,814           118,805           119,270             98,414 417,303 -                    ‐                    ‐             37,302             35,997             40,190             69,219             75,694             48,657 233,760 Total Revenue bps 6,837 161,760 Total Expense bps - - -              (7,414)             14,251 (2,617) 26,871 48,467 54,138 32,284 Branch Contribution bps - 361.7 Net Income bps - (11,707) 9,090 231.8 - 129.9 Headcount                    ‐                    ‐                278.5                389.4 339.1                363.4                362.4                361.8                359.3 Loan Per Support FTE -                    ‐                    ‐ 310.1                242.7                229.0                221.3                240.4 89.9 Total Loans Per FTE -                    ‐                    ‐                347.5                279.0                120.7                133.4                140.5                118.9 - 28.9 2 - -                 (69.1)                110.5 (11.1) 80.7 93.4 100.5 78.9 - 20.4 (109.1) 70.5                    ‐                    ‐                       2                        2  2                       2                        2                        2                        2                     ‐                    ‐                    ‐                    ‐ -                    ‐                    ‐                    ‐                    ‐                    ‐                    ‐                    1.5                    1.1 2.6                    3.7                    6.3                    4.8                    5.7 Product Mix % Conventional 0% 0% 0% 26% 79% 26% 66% 66% 66% 66% 66% Governmental 0% 0% 0% 74% 13% 22% 22% 22% 22% 22% 22% Bond 0% 0% 0% 0% 1% 0% 2% 2% 2% 2% 2% Jumbo 0% 0% 0% 0% 4% 1% 6% 6% 6% 6% 6% Brokered 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% HELOC/HELOAN 0% 0% 0% 0% 1% 0% 1% 1% 1% 1% 1% Non-QM 0% 0% 0% 0% 2% 0% 3% 3% 3% 3% 3%  6,000,000 150.0 100%  5,000,000  4,000,000 100.0 90%  3,000,000 80%  2,000,000  1,000,000 70% 50.0  ‐ Q1 2022 60% 0.0 50% ‐50.0 40% 30% ‐100.0 20% 10% ‐150.0 0% Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Production  Volume Net Income bps Conventional Governmental Bond Jumbo Brokered HELOC/HELOAN Non‐QM





Branch # Branch Budget 2023 1049 Meridian, ID (1049) Loan Count FY 2021 Q1 2022 Q2 2022 Q3 2022 Q4 2022 FY 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 FY 2022 Production Volume 128                     1  6                        9                        6                        6 37                        6                     1  1                     1  3                        9 39 Average Loan Size       5  ,461,035       2  ,894,721       1  ,886,912       2  ,601,956       2  ,514,891       3  ,918,280       4  ,070,061       3  ,091,658 36,228,157           341,315           321,636           314,485           425,156 12,844,624           391,728           367,568           320,983           328,550 13,594,890 Total Revenue 283,032 346,030 347,074 Total Expense           189,323           131,238             75,954             82,839             96,953           151,056           156,908           119,189 Branch Contribution 1,408,106           123,980           107,609             57,738             70,861 479,354             76,998           102,385           105,159             87,502 524,105 Net Income 831,808             65,342             23,629             18,216             11,978 360,189             19,955             48,671             51,748             31,686 372,044 576,298 119,166 152,061 Total Revenue bps 434,699 45,498 12,050 10,669 1,570 9,896 32,998 35,468 19,320 Total Expense bps 69,787 97,682 Branch Contribution bps 388.7                346.7                453.4                402.5                318.4                385.5                385.5                385.5                385.5 Net Income bps 229.6                227.0                371.7                306.0                272.3 373.2                306.2                261.3                258.4                283.0 385.5 159.1                119.7                  81.6                  96.5                  46.0 280.4                  79.3                124.2                127.1                102.5 273.7 Headcount 120.0 111.9 Loan Per Support FTE 83.3 41.6 56.5 6.0 92.8 39.3 84.2 87.1 62.5 Total Loans Per FTE 7 54.3 71.9 3.6                       6                        6                        5                        5                        5                        5                        5                        5  18.3                    2.7                    1.5                    1.0                    1.0 5                    1.1                    1.8                    2.1                    1.6 5                    2.7                    1.5                    1.2                    1.2 1.5                    1.3                    2.1                    2.5                    1.9 1.6 7.4 7.8 Product Mix % Conventional 45% 29% 37% 43% 24% 33% 39% 39% 39% 39% 39% Governmental 12% 12% 10% 10% 10% 10% 10% 31% 4% 23% 18% 3% 41% 41% 41% 41% 41% 41% Bond 10% Jumbo 58% 23% 39% 44% 0% 0% 0% 0% 0% 0% Brokered 2% 2% 2% 2% 2% 2% 2% HELOC/HELOAN 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Non-QM 0% 12% 8% 8% 8% 8% 8% 9% 0% 0% 1% 0% 0% 0% 0% 0% 17% 0% 29%  6,000,000 100.0 100%  5,000,000  4,000,000 90.0 90%  3,000,000  2,000,000 80.0 80%  1,000,000 70.0 70%  ‐ Q1 2022 60.0 60% 50.0 50% 40.0 40% 30.0 30% 20.0 20% 10.0 10% 0.0 0% Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Production  Volume Net Income bps Conventional Governmental Bond Jumbo Brokered HELOC/HELOAN Non‐QM




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