Introduction to Mortgage Servicing Examinations Training - March 2023

Financial Ratios Ratio Data Summary

Filing Quarter Servicing Peer Group Ratio Name

2021Q4 Servicer-4 Peer Group

2020Q4 Servicer-4 Peer Group

2019Q4 Servicer-4 Peer Group

2018Q4 Servicer-4 Peer Group

- Servicer-3 Peer Group

Company

Percentile

Company

Percentile

Company

Percentile

Company

Percentile

Company

Percentile

Cash to TA_S Real Estate Owned (REO) to TA_S TNW to TA_S Total Equity to TA_S Debt to Total Equity (TE)_S Adjusted Debt to TE_S Mortgage Servicing Rights (MSRs) to TE_S Return on Assets (ROA)_S Return on Equity (ROE)_S Provision Expense_S Payout Ratio_S Net Income to Gross Income_S Total Assets (TA) to Total Liabilities (TL)_S Current Ratio (CA to CL)_S Monthly Operational Expense Coverage_S Return on Assets (ROA) (Annualized)_S Return on Equity (ROE) (Annualized)_S Provision Expense (Annualized)_S Payout Ratio (Annualized)_S

5.5% 0.0%

5.3% 0.0%

60.00 60.00 40.00 40.00 80.00 80.00 30.00 30.00 20.00 20.00 40.00 50.00 70.00 30.00 30.00 20.00 50.00

3.8% 0.1%

3.4% 0.0%

60.00 80.00 60.00 60.00 60.00 60.00 80.00 40.00 40.00 20.00 40.00 50.00 60.00 60.00 40.00 40.00 40.00 20.00 60.00

1.8% 0.2%

3.7% 0.1%

20.00 90.00 60.00 60.00

5.2% 0.1%

4.4% 0.0%

60.00 80.00 40.00 30.00 70.00 80.00 70.00 70.00 20.00 30.00 90.00 80.00 80.00 60.00 60.00 20.00 50.00

4.5% 0.1%

3.7% 0.1%

71.05 73.68 60.53 52.63 81.58 65.79 84.21 63.16 71.05 44.74 42.11 76.32 52.63 76.32 81.58 63.16 71.05 44.74 42.11

18.4% 18.4% 347.6% 133.3% 169.0%

29.2% 29.4% 44.7% 77.5% 1.4% 5.5% -49.5% 22.2% 0

15.9% 16.5% 436.1% 103.3% 130.0% 1.8% 11.0% -20.7% 26.3% 119.7% 0

14.9% 15.5% 400.3% 69.3% 69.2% 2.0% 14.3% -0.0% 28.3% 118.4% 0

16.0% 16.7% 463.8% 120.4% 168.7%

15.9% 16.6%

21.5% 22.8% 316.1% 94.6% 152.4%

22.4% 24.5% 72.1% 86.4% 0.3% 1.0%

18.0% 19.0% 382.8% 80.5% 156.0%

20.6% 27.8% 130.2% 79.6% 62.0%

225.1% 70.00

450.0% 60.00

189.2% 80.00

93.5%

70.00

125.3% 80.00

0.3% 1.8%

1.2% 7.2%

1.6% 11.4%

40.00 30.00 20.00 20.00 60.00 60.00 40.00 30.00 30.00 20.00 30.00

1.2% 5.3%

0.8% 4.0%

0.8% 2.9%

0

0 0

0 0

0 0

0 0

0 0

0 0

-254.2%

7.2%

24.5% 120.1%

24.4%

22.7% 129.6%

5.3%

17.4% 123.4%

13.9% 138.6%

122.6%

141.8% 40.00

119.9% 60.00

132.4% 30.00

0.87

0.89

0.96

0.90

0.99

0.88

1.10

0.66

0.99

0.73

4.4

3.2

3.0

3.3

1.8

2.5

4.4

3.3

4.4

2.5

2.8% 15.4%

9.7% 35.6%

5.7% 34.7%

6.4% 41.6%

0.3% 1.7%

4.3% 22.1%

3.5% 15.2%

3.4% 14.2%

3.0% 16.0%

3.1% 11.8%

0

0

0

0

0

0

0 0

0 0

0 0

0 0

-34.6%

-32.7%

-9.9%

-15.5%

-43.6%

-9.1%