Introduction to Mortgage Servicing Examinations Training

Date: 5/8/2025 Examination Report Filter: State = NE NMLS ID = 2119

Number of Flagged Filings = 0

FINANCIAL STATEMENT

Assets Liabilities Owner's Equity Filing Quarter

2024Q4

2023Q4

2022Q4

2021Q4

$18,863,524,000 $9,125,755,000 $9,737,769,000

$13,776,393,000 $7,575,087,000 $6,201,306,000

$12,177,117,000 $6,685,874,000 $5,491,243,000

$13,367,113,000 $8,552,221,000 $4,814,892,000

LOC by QUARTER

Filing Quarter

2024Q4

2023Q4

2022Q4

2021Q4

Total Credit Limit Credit Available Total Lines of Credit % Credit Available

$6,820,000,000 $4,254,130,351

$5,100,000,000 $4,278,312,471

$7,275,000,000 $6,077,322,115

$14,625,000,000 $10,496,894,554

13

12

12

14

62.4%

83.9%

83.5%

71.8%

Nationwide Loan Volume % of CL to Loan Volume

$2,545,789,356

$1,203,412,137

$1,875,967,524

$8,751,194,177

267.9%

423.8%

387.8%

167.1%

FINANCIAL RATIOS

Filing Quarter Peer Group Ratio Name

2024Q4 Lender-3 Company Peer Group Percentile

2023Q4 Lender-3 Company Peer Group Percentile

2022Q4 Lender-3 Company Peer Group Percentile

2021Q4 Lender-3 Company Peer Group Percentile

Payout Ratio Net Income to Gross Income Cash to TA Real Estate Owned (REO) to TA TNW to TA Total Equity to TA Mortgage Servicing Rights (MSRs) to TE

27.4% 4.5% 61.4 33.1% 4.1% 88.8 3.9% 7.7% 30.0

99.0% 1.3% 82.5 226.2% 1.9% 88.0

0

57.2% 1.5

17.3% -15.3% 85.9 4.1% 7.4% 20.9

10.2% -24.1% 85.5 4.3% 9.2% 22.3

26.3% 7.9% 84.6 6.7% 10.4% 31.4

0.1%

0

87.0

0.1%

0

88.1

0.1%

0

91.3

0.1%

0

91.1

50.0% 19.1% 93.3 51.6% 22.0% 93.7

43.8% 24.8% 84.7 45.0% 27.3% 83.1

44.0% 29.1% 80.6 45.1% 30.6% 80.2

34.9% 22.8% 82.0 36.0% 24.2% 81.7 87.7% 15.8% 93.5 1.4% 0.9% 63.0 4.0% 3.6% 53.6

120.5% 4.2% 96.4 146.6% 19.1% 95.5 121.2% 16.2% 95.5

Return on Assets (ROA) Return on Equity (ROE) Provision Expense

1.5% 0.4% 73.5 2.9% 1.9% 59.6

0.7% -1.4% 81.9 1.6% -4.7% 81.4

0.3% -2.2% 83.9 0.7% -6.6% 83.1

- 5.3 206.7% 128.3% 93.7 181.9% 137.6% 83.1 182.1% 144.0% 80.2 156.3% 132.0% 81.7 5.1% 2.9% 72.6 4.9% -1.5% 85.9 8.9% 0.0% 87.2 11.8% 10.0% 57.7 9.9% 11.9% 54.3 10.9% -5.5% 83.6 19.6% 0.1% 81.8 32.8% 40.7% 41.7 - - - 0 0 9.0 0 0 7.9 0 0 5.3 42.8% 27.4% 59.2 69.5% 22.5% 65.5 39.8% 67.7% 42.6 42.1% 81.9% 31.1 83.1% 309.6% 13.5 - - - - - - - - - 60.4% 0.9% 83.4 - - - - - - - - - 0.40 1.07 9.0 - - - - - - - - - - - 0 0 6.8 0 0 5.8 0 0

Total Assets (TA) to Total Liabilities (TL) Return on Assets (ROA) (Annualized) Return on Equity (ROE) (Annualized) Provision Expense (Annualized)

Payout Ratio (Annualized) Debt to Total Equity (TE) Adjusted Debt to TE Current Ratio (CA to CL)

3