Branch # Branch Budget 2023 1147 Murray, UT (1147) 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 96 9 8 7 3 27 9 1 1 1 2 9 42 Average Loan Size 2 ,608,614 2 ,953,258 3 ,195,004 995,512 2 ,864,246 4 ,462,585 4 ,635,451 3 ,521,134 31,419,332 289,846 369,157 456,429 328,552 9,752,388 309,983 392,488 374,431 378,617 15,483,416 Total Revenue 327,285 360,799 366,125 Total Expense Branch Contribution 1,103,534 98,858 98,375 102,491 32,139 331,863 102,427 159,584 165,766 125,917 553,694 Net Income 744,982 84,513 84,085 83,046 46,124 297,768 82,747 112,096 115,249 94,855 404,946 358,552 14,344 14,290 19,445 (13,985) 19,680 47,488 50,517 31,063 148,748 Total Revenue bps 235,266 34,095 Total Expense bps 3,910 3,605 6,665 (16,377) (2,197) 8,223 29,638 31,975 16,978 86,814 Branch Contribution bps 351.2 Net Income bps 237.1 379.0 333.1 320.8 322.8 340.3 357.6 357.6 357.6 357.6 357.6 114.1 324.0 284.7 259.9 463.3 305.3 288.9 251.2 248.6 269.4 261.5 Headcount 55.0 48.4 60.9 (140.5) 68.7 106.4 109.0 88.2 Loan Per Support FTE 74.9 35.0 96.1 Total Loans Per FTE 15.0 12.2 20.9 (164.5) (2.3) 28.7 66.4 69.0 48.2 56.1 2 5.6 2 2 2 3 3 3 3 3 3 3 48.0 3.0 2.7 2.3 1.0 2.3 3.1 3.8 4.1 3.1 3.5 4.5 4.0 3.5 1.0 9.0 3.1 3.8 4.1 3.1 14.1 Product Mix % Conventional 83% 93% 59% 61% 49% 66% 67% 67% 67% 67% 67% Governmental 9% 5% 4% 4% 4% 4% 4% 3% 0% 19% 0% 1% 9% Bond 2% 0% 10% 10% 10% 10% 10% Jumbo 2% 7% 12% 14% 3% 0% 0% 0% 0% 0% Brokered 0% 13% HELOC/HELOAN 0% 0% 0% 0% 0% 0% 13% 13% 13% 13% 13% Non-QM 7% 0% 0% 0% 0% 0% 0% 10% 0% 44% 7% 7% 7% 7% 7% 0% 0% 0% 0% 0% 0% 25% 2% 5,000,000 100.0 100% 4,500,000 4,000,000 90% 3,500,000 50.0 3,000,000 2,500,000 80% 2,000,000 1,500,000 70% 1,000,000 0.0 500,000 60% ‐ ‐50.0 50% ‐100.0 40% 30% ‐150.0 20% 10% ‐200.0 0% Q1 2022 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 1094 Nashville, TN (1094) 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 352 6 3 6 6 4 0 2 4 193 3 7 5 9 6 0 4 8 204 Average Loan Size 19,847,727 26,508,556 15,718,727 10,165,214 14,144,152 22,037,035 22,890,674 17,387,982 100,612,086 315,043 401,645 392,968 420,050 72,240,224 384,352 371,996 379,676 362,401 76,459,843 Total Revenue 285,830 373,914 374,234 Total Expense 634,725 732,989 460,709 304,359 452,421 704,887 732,191 556,180 Branch Contribution 3,530,775 486,436 554,184 344,242 276,916 2,132,782 353,849 485,791 499,170 410,450 2,445,679 Net Income 2,564,655 148,289 178,805 116,466 27,443 1,661,778 98,573 219,095 233,021 145,730 1,749,260 Total Revenue bps 966,121 68,898 72,771 53,591 (13,217) 471,004 41,996 130,947 141,459 76,178 696,419 Total Expense bps 566,662 182,043 390,580 Branch Contribution bps 319.8 276.5 293.1 299.4 319.9 319.9 319.9 319.9 Net Income bps 350.9 245.1 209.1 219.0 272.4 295.2 250.2 220.4 218.1 236.1 319.9 254.9 74.7 67.5 74.1 27.0 230.0 69.7 99.4 101.8 83.8 228.8 Headcount Loan Per Support FTE 96.0 34.7 27.5 34.1 (13.0) 65.2 29.7 59.4 61.8 43.8 91.1 Total Loans Per FTE 56.3 25.2 51.1 7 7 7 6 6 6 6 6 7 7.0 7.3 4.4 2.7 6 4.1 6.6 6.7 5.3 6 7.8 9.0 9.4 5.7 4.0 5.4 6.1 9.9 10.0 8.0 5.7 50.3 32.2 34.1 Product Mix % Conventional 67% 81% 73% 78% 89% 80% 81% 81% 81% 81% 81% Governmental 27% 9% 10% 10% 10% 10% 10% 11% 9% 10% 7% 2% Bond 4% 8% 2% 2% 2% 2% 2% Jumbo 2% 4% 2% 2% 1% 0% 7% 7% 7% 7% 7% Brokered 1% 0% 0% 0% 0% 0% 0% HELOC/HELOAN 0% 4% 16% 10% 3% 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% 30,000,000 70.0 100% 25,000,000 20,000,000 60.0 90% 15,000,000 50.0 80% 10,000,000 40.0 70% 30.0 60% 5,000,000 20.0 50% ‐ 10.0 40% Q1 2022 0.0 30% ‐10.0 20% 10% ‐20.0 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 1163 Oahu, HI (1163) 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 6 9 2 2 3 6 3 6 2 9 123 Average Loan Size - ‐ ‐ 2 ,077,240 2 ,304,198 11,099,493 17,293,361 17,963,246 13,645,059 - ‐ ‐ 692,413 362,295 4,381,438 515,297 479,306 494,039 477,267 60,001,159 Total Revenue 468,102 489,526 Total Expense - Branch Contribution - ‐ ‐ 69,909 81,259 151,168 421,569 656,818 682,261 518,252 2,278,899 Net Income - ‐ 498,121 352,106 481,263 495,234 405,187 1,733,789 - ‐ 171,297 160,080 166,745 (346,953) 69,463 175,555 187,027 113,065 Total Revenue bps (364,479) 545,110 Total Expense bps - - (171,297) (90,171) (85,486) 25,065 106,381 115,174 58,485 305,105 Branch Contribution bps - Net Income bps - (171,297) (98,480) (94,703) 379.8 - 289.0 Headcount ‐ ‐ 336.5 352.7 345.0 379.8 379.8 379.8 379.8 Loan Per Support FTE 1 ‐ ‐ 1,136.9 317.2 278.3 275.7 296.9 90.8 Total Loans Per FTE - ‐ ‐ 770.6 723.7 62.6 101.5 104.1 82.9 50.8 - (791.9) - - (434.1) (371.0) (831.9) 22.6 61.5 64.1 42.9 5 10.2 (474.1) (411.0) 24.5 1 4 5 5 5 5 5 5 5 ‐ ‐ 1.0 2.1 0.8 7.2 12.0 12.1 9.5 ‐ ‐ 0.6 1.3 1.9 4.3 7.2 7.3 5.7 Product Mix % Conventional 0% 0% 0% 19% 51% 17% 40% 39% 40% 39% 40% Governmental 0% 0% 0% 23% 33% 14% 33% 33% 33% 33% 33% 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% 58% 17% 0% 0% 0% 0% 0% 0% Non-QM 19% 27% 27% 27% 27% 27% 20,000,000 100.0 100% 18,000,000 16,000,000 0.0 90% 14,000,000 ‐100.0 80% 12,000,000 70% 10,000,000 ‐200.0 60% 8,000,000 ‐300.0 50% 6,000,000 40% 4,000,000 2,000,000 ‐400.0 30% ‐500.0 20% ‐ 10% ‐600.0 0% Q1 2022 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 1161 Oakboro, NC (1161) 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 5 3 4 15 1 4 2 4 2 5 2 0 83 Average Loan Size - 671,642 1 ,482,033 470,200 1 ,111,469 3 ,329,784 5 ,187,908 5 ,388,870 4 ,093,439 - 223,881 296,407 156,733 277,867 3,735,344 237,842 216,163 215,555 204,672 18,000,000 Total Revenue 249,023 216,867 Total Expense Branch Contribution - 28,736 57,411 20,475 44,796 151,417 141,964 221,185 229,753 174,523 767,425 Net Income 20,045 254,584 105,302 144,001 148,184 121,202 518,689 (20,045) 61,684 97,040 49,780 46,079 (103,167) 36,663 77,183 81,569 53,321 248,736 Total Revenue bps (20,045) (117,768) 176,736 Total Expense bps (32,948) (39,629) (29,306) (1,284) 23,344 56,432 60,013 36,947 Branch Contribution bps 426.3 Net Income bps (35,635) (45,558) (30,846) (5,730) 288.2 138.2 Headcount - 427.8 387.4 435.4 403.0 405.4 426.3 426.3 426.3 426.3 Loan Per Support FTE 681.6 316.2 277.6 275.0 296.1 98.2 Total Loans Per FTE - 918.4 654.8 1,058.7 414.6 (276.2) 110.1 148.8 151.4 130.3 (315.3) 5 - (490.6) (267.4) (623.3) (11.5) 70.1 108.8 111.4 90.3 6.9 16.6 - (530.6) (307.4) (656.0) (51.5) 4 4 6 5 5 5 5 5 5 5 - 0.5 1.7 1.0 1.3 1.1 4.7 8.0 8.3 6.7 - 0.8 0.8 0.6 0.8 3.0 2.8 4.8 5.0 4.0 Product Mix % Conventional 0% 70% 77% 27% 66% 60% 45% 45% 45% 45% 45% Governmental 0% 30% 23% 55% 31% 35% 55% 55% 55% 55% 55% Bond Jumbo 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Brokered 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% 18% 4% 5% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 6,000,000 200.0 100% 5,000,000 4,000,000 100.0 90% 3,000,000 0.0 80% 2,000,000 ‐100.0 70% 1,000,000 ‐200.0 60% ‐300.0 50% ‐ ‐400.0 40% Q1 2022 ‐500.0 30% ‐600.0 20% 10% ‐700.0 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 1019 Peoria, AZ (1019) 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 206 4 8 2 0 2 3 2 0 111 2 1 3 4 3 6 2 5 115 Average Loan Size 13,635,141 5 ,235,799 6 ,378,588 6 ,985,828 6 ,311,467 9 ,833,465 10,214,380 7 ,758,944 50,611,285 284,065 261,790 277,330 353,355 32,235,356 296,871 293,361 286,438 313,113 34,118,257 Total Revenue 245,686 291,012 296,114 Total Expense 513,457 233,367 255,634 270,707 262,093 408,349 424,167 322,201 Branch Contribution 2,206,482 367,601 232,171 1,273,165 220,166 300,360 308,998 253,305 1,416,811 Net Income 1,508,923 145,856 231,761 200,948 38,536 1,032,481 41,927 107,990 115,170 68,896 1,082,828 Total Revenue bps 697,559 95,830 1,606 54,686 10,628 240,684 16,681 68,656 74,312 37,861 333,983 Total Expense bps 501,823 119,647 197,510 Branch Contribution bps (19,337) 32,527 Net Income bps 436.0 395.0 415.3 298.1 376.6 445.7 400.8 387.5 320.3 415.3 415.3 415.3 415.3 317.4 Headcount 137.8 269.6 332.3 348.8 305.4 302.5 326.5 Loan Per Support FTE 107.0 442.6 315.0 55.2 74.7 66.4 109.8 112.8 88.8 97.9 Total Loans Per FTE 99.2 37.1 57.9 70.3 3.1 85.7 15.2 26.4 69.8 72.8 48.8 8 8 8 4.7 (36.9) 51.0 3.4 4.8 25.8 13.8 14.4 8 9 1 0 8 8 8 8 8 5.3 2.2 2.6 3.3 3.5 5.6 5.9 4.1 6.0 2.2 2.3 2.5 2.7 4.2 4.5 3.1 Product Mix % Conventional 64% 66% 69% 40% 52% 57% 58% 58% 58% 58% 58% Governmental 18% 9% 20% 38% 41% 27% 27% 27% 27% 27% 27% 12% Bond 16% 11% 4% 5% 9% 8% 8% 8% 8% 8% Jumbo 3% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Brokered 3% 8% 0% 6% 1% 4% 4% 4% 4% 4% 4% HELOC/HELOAN 0% 0% 0% 7% 1% 2% 2% 2% 2% 2% 2% Non-QM 0% 0% 0% 4% 0% 1% 1% 1% 1% 1% 1% 16,000,000 80.0 100% 14,000,000 12,000,000 90% 10,000,000 60.0 8,000,000 80% 6,000,000 4,000,000 40.0 70% 2,000,000 60% ‐ 20.0 Q1 2022 50% 0.0 40% ‐20.0 30% ‐40.0 20% 10% ‐60.0 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 1068 Scottsbluff, NE (1068) 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 48 6 6 7 3 22 4 6 7 6 23 Average Loan Size 931,100 1 ,092,553 1 ,101,250 540,150 878,693 1 ,369,031 1 ,422,063 1 ,080,213 8,769,825 155,183 182,092 157,321 180,050 3,665,053 219,673 228,172 203,152 180,035 4,750,000 Total Revenue 182,705 166,593 206,522 Total Expense Branch Contribution 379,127 40,303 48,591 48,578 25,390 162,863 41,314 64,368 66,861 50,789 223,332 Net Income 253,296 22,910 151,303 36,213 50,290 51,834 41,957 180,294 125,832 37,500 53,860 37,033 2,480 5,100 14,078 15,027 8,832 Total Revenue bps 11,560 43,038 Total Expense bps 90,753 2,803 (5,269) 11,545 320 (3,101) 1,586 8,602 9,339 4,511 24,038 Branch Contribution bps Net Income bps 432.3 (921) (9,639) 7,140 470.2 288.8 379.6 Headcount 143.5 432.9 444.8 441.1 470.1 444.4 470.2 470.2 470.2 470.2 Loan Per Support FTE 103.5 424.1 412.8 412.1 367.3 364.5 388.4 90.6 Total Loans Per FTE 402.7 493.0 336.3 45.9 58.0 102.8 105.7 81.8 50.6 1 31.5 - 30.1 (48.2) 104.8 5.9 (8.5) 18.0 62.8 65.7 41.8 1 48.0 - (9.9) (88.2) 64.8 23.0 2 1 1 1 1 1 1 1 1 ‐ ‐ ‐ ‐ - ‐ ‐ ‐ ‐ 3.0 6.0 7.0 3.0 22.0 4.0 6.0 7.0 6.0 Product Mix % Conventional 81% 100% 56% 100% 58% 79% 83% 83% 83% 83% 83% Governmental 19% 0% 44% 0% 42% 21% 17% 17% 17% 17% 17% 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% 0% 0% 0% 0% 0% 0% 0% 0% 0% 1,600,000 80.0 100% 1,400,000 1,200,000 60.0 90% 1,000,000 40.0 80% 20.0 70% 800,000 0.0 60% 600,000 ‐20.0 50% 400,000 ‐40.0 40% 200,000 ‐60.0 30% ‐80.0 20% ‐ 10% Q1 2022 ‐100.0 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 1018 Scottsdale, AZ (1018) 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 113 2 3 1 9 2 0 7 69 1 5 2 2 2 2 1 9 77 Average Loan Size 5 ,850,414 6 ,166,011 4 ,408,763 1 ,783,869 3 ,565,211 5 ,554,711 5 ,769,882 4 ,382,859 27,933,812 254,366 324,527 220,438 243,698 18,209,057 241,873 255,860 264,552 229,109 19,272,663 Total Revenue 247,202 262,681 249,033 Total Expense 236,432 252,944 166,316 68,787 148,152 230,825 239,766 182,129 Branch Contribution 1,155,595 182,084 159,185 134,837 89,297 724,478 126,849 160,650 164,170 140,516 800,872 Net Income 835,534 54,347 93,759 31,479 (20,511) 565,403 21,303 70,175 75,596 41,612 592,185 320,061 159,075 208,686 Total Revenue bps 208,950 30,946 69,095 15,636 (27,271) 7,042 47,956 52,517 24,081 131,596 Total Expense bps 88,406 Branch Contribution bps 413.7 404.1 410.2 377.2 385.6 415.5 415.5 415.5 415.5 415.5 Net Income bps 299.1 311.2 258.2 305.8 500.6 397.9 355.8 289.2 284.5 320.6 307.3 114.6 92.9 152.1 71.4 (115.0) 310.5 59.8 126.3 131.0 94.9 108.3 Headcount Loan Per Support FTE 74.8 52.9 112.1 35.5 (152.9) 87.4 19.8 86.3 91.0 54.9 68.3 Total Loans Per FTE 48.6 7 7 7 7 6 6 6 6 6 6 3.1 2.6 2.1 2.2 0.8 6 1.6 2.4 2.4 2.1 2.1 16.1 3.3 2.7 2.9 1.2 1.9 2.5 3.6 3.6 3.2 12.9 11.6 Product Mix % Conventional 67% 61% 67% 55% 55% 60% 58% 58% 58% 58% 58% Governmental 18% 12% 33% 19% 32% 24% 23% 23% 23% 23% 23% 11% 27% 0% 16% 6% 12% 15% 15% 15% 15% 15% Bond Jumbo 3% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Brokered 1% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% HELOC/HELOAN 0% 0% 0% 10% 7% 4% 4% 4% 4% 4% 4% Non-QM 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 7,000,000 150.0 100% 6,000,000 5,000,000 100.0 90% 4,000,000 50.0 80% 3,000,000 70% 2,000,000 1,000,000 0.0 60% ‐50.0 50% ‐ 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 1077 South Ogden, UT (1077) 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 604 8 1 6 9 4 6 3 1 227 6 1 9 7 9 9 7 6 333 Average Loan Size 27,512,661 24,740,176 17,078,116 10,485,075 22,383,545 34,874,270 36,225,180 27,517,004 180,441,740 339,662 358,553 371,263 335,630 79,816,028 369,793 358,089 364,182 362,638 121,000,000 Total Revenue 298,745 351,241 363,069 Total Expense 833,671 769,745 518,071 369,446 787,906 1 ,227,582 1 ,275,135 968,605 Branch Contribution 5,923,471 2,490,933 635,357 874,957 900,819 734,111 4,259,228 Net Income 4,311,519 749,655 688,013 483,561 422,141 2,343,369 152,549 352,626 374,315 234,494 3,145,243 1,611,952 1,113,984 Total Revenue bps 84,016 81,733 34,510 (52,695) 147,564 63,014 213,129 229,415 124,426 Total Expense bps 894,685 (171,473) 629,984 Branch Contribution bps (26,034) (17,228) (33,803) (94,408) Net Income bps 328.3 312.1 352.0 238.9 303.0 311.1 303.4 352.4 293.6 352.0 352.0 352.0 352.0 259.9 Headcount 283.9 250.9 248.7 266.8 Loan Per Support FTE 89.3 272.5 278.1 283.1 402.6 18.5 68.2 101.1 103.3 85.2 92.1 Total Loans Per FTE 49.6 (21.5) 52.1 30.5 33.0 20.2 (50.3) 28.2 61.1 63.3 45.2 21 21 21 10.1 (9.5) (7.0) (19.8) (90.0) 3.8 5.6 28.8 10.8 15.9 2 0 1 9 2 1 2 1 2 1 2 1 2 1 2 1 5.4 4.6 3.1 2.1 4.0 6.5 6.6 5.1 4.1 3.6 2.2 1.5 2.9 4.6 4.7 3.6 Product Mix % Conventional 68% 63% 68% 27% 51% 52% 50% 50% 50% 50% 50% Governmental 19% 20% 21% 43% 32% 29% 30% 30% 30% 30% 30% 12% 11% 13% 14% 12% 12% 12% 12% 12% 12% Bond 8% Jumbo 5% 5% 0% 15% 2% 6% 6% 6% 6% 6% 6% Brokered 1% 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% 2% 0% 1% 1% 1% 1% 1% 1% 40,000,000 80.0 100% 35,000,000 30,000,000 60.0 90% 25,000,000 40.0 80% 20,000,000 20.0 70% 15,000,000 0.0 60% 10,000,000 ‐20.0 50% ‐40.0 40% 5,000,000 ‐60.0 30% ‐ ‐80.0 20% Q1 2022 10% ‐100.0 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 1040 Stuart, FL (1040) 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 2 1 6 1 3 4 45 1 0 1 4 1 4 1 1 50 Average Loan Size 3 ,235,005 5 ,182,794 3 ,354,429 1 ,416,306 2 ,582,227 4 ,023,190 4 ,179,035 3 ,174,436 20,179,062 269,584 323,925 258,033 351,441 13,188,534 254,407 282,726 293,472 284,193 13,958,889 Total Revenue 249,124 292,883 280,355 Total Expense 131,705 195,297 135,756 60,842 108,939 169,731 176,306 133,924 Branch Contribution 815,767 91,167 127,088 93,088 50,489 523,600 74,663 109,663 108,545 87,130 588,900 Net Income 506,887 40,539 68,209 42,668 10,354 361,831 34,277 60,068 67,761 46,794 380,000 308,881 161,769 208,900 Total Revenue bps 230,862 27,599 47,478 29,250 4,688 109,015 23,948 43,976 51,045 34,096 153,065 Total Expense bps Branch Contribution bps 404.3 407.1 376.8 404.7 429.6 397.0 421.9 421.9 421.9 421.9 421.9 Net Income bps 251.2 281.8 245.2 277.5 356.5 274.4 289.1 272.6 259.7 274.5 272.2 153.1 125.3 131.6 127.2 73.1 122.7 132.7 149.3 162.1 147.4 149.7 Headcount 114.4 109.7 Loan Per Support FTE 85.3 91.6 87.2 33.1 82.7 92.7 109.3 122.1 107.4 Total Loans Per FTE 2 2 - 2 2 2 2 2 2 2 2 2 - 40.5 ‐ ‐ ‐ ‐ - ‐ ‐ ‐ ‐ 24.9 6.0 8.0 6.5 2.0 22.5 5.1 7.1 7.1 5.6 Product Mix % Conventional 61% 65% 78% 88% 63% 74% 76% 76% 76% 76% 76% Governmental 35% 25% 23% 23% 23% 23% 23% 35% 22% 6% 37% Bond 0% 0% 0% 0% 0% 0% 0% Jumbo 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Brokered 4% 0% 0% 0% 0% 0% 0% HELOC/HELOAN 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Non-QM 0% 1% 1% 1% 1% 1% 1% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 5% 0% 6,000,000 140.0 100% 5,000,000 4,000,000 120.0 90% 3,000,000 100.0 80% 2,000,000 70% 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 1167 Summerlin, Las Vegas, NV (1167) 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 6 2 8 2 6 1 7 107 2 1 3 4 3 4 2 5 113 Average Loan Size - 12,769,742 12,267,359 12,060,575 7 ,346,371 8 ,701,847 13,557,753 14,082,934 10,697,536 - 354,715 438,120 463,868 438,851 44,444,047 419,771 402,069 416,408 425,519 47,040,071 Total Revenue 416,377 414,779 Total Expense - 376,683 309,916 317,274 257,631 265,956 414,368 430,419 326,950 Branch Contribution - 265,975 209,447 199,250 143,031 1,261,503 163,361 244,146 253,134 196,536 1,437,692 Net Income - 110,707 100,468 118,023 114,600 817,704 102,595 170,221 177,285 130,415 857,176 - 443,799 580,516 Total Revenue bps 59,628 52,615 69,781 85,215 267,239 67,787 115,990 120,953 87,625 392,355 Total Expense bps - Branch Contribution bps - 295.0 252.6 263.1 350.7 283.8 305.6 305.6 305.6 305.6 305.6 Net Income bps - 208.3 170.7 165.2 194.7 184.0 187.7 180.1 179.7 183.7 182.2 - 86.7 81.9 97.9 156.0 117.9 125.6 125.9 121.9 123.4 Headcount 99.9 Loan Per Support FTE 2 46.7 42.9 57.9 116.0 60.1 77.9 85.6 85.9 81.9 83.4 Total Loans Per FTE - - 2 2 2 2 2 2 2 2 2 2 12.0 9.3 8.7 5.6 8.9 6.9 11.2 11.3 8.4 9.5 18.0 14.0 13.0 8.4 53.4 10.4 16.9 16.9 12.6 56.7 Product Mix % Conventional 0% 79% 67% 58% 87% 73% 75% 75% 75% 75% 75% Governmental 0% 15% 11% 21% 6% 13% 12% 12% 12% 12% 12% Bond Jumbo 0% 6% 0% 4% 1% 3% 3% 3% 3% 3% 3% Brokered HELOC/HELOAN 0% 0% 19% 0% 3% 6% 5% 5% 5% 5% 5% Non-QM 0% 0% 2% 0% 1% 1% 1% 1% 1% 1% 1% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 17% 2% 5% 4% 4% 4% 4% 4% 16,000,000 140.0 100% 14,000,000 12,000,000 120.0 90% 10,000,000 100.0 80% 70% 8,000,000 6,000,000 60% 4,000,000 80.0 2,000,000 50% ‐ 60.0 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
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