Introduction to Mortgage Servicing Examinations Training

Financial Ratios Ratio Data Summary

Filing Quarter Servicing Peer Group Ratio Name

2024Q4 Servicer-4 Peer Group

2023Q4 Servicer-4 Peer Group

2022Q4 Servicer-4 Peer Group

2021Q4 Servicer-4 Peer Group

- Servicer-4 Peer Group

Company

Percentile

Company

Percentile

Company

Percentile

Company

Percentile

Company

Percentile

Payout Ratio_S Net Income to Gross Income_S Cash to TA_S Real Estate Owned (REO) to TA_S TNW to TA_S Total Equity to TA_S Mortgage Servicing Rights (MSRs) to TE_S

27.4% 33.1%

0

66.67 55.56 55.56 66.67 88.89 77.78

99.0% 17.3%

0

77.78 77.78 33.33 66.67 77.78 77.78 66.67 66.67 11.11 66.67 55.56 11.11 66.67

226.2% 10.2%

0

77.78 66.67 55.56 66.67 77.78 77.78 44.44 44.44 11.11 77.78 66.67 11.11 55.56

0

49.5% 22.2%

11.11 66.67 66.67 77.78 77.78 77.78 55.56 55.56 33.33 11.11 55.56 44.44 11.11 66.67

- - - - - - - - - - - - - - - -

- - - - - - - - - - - - - - - -

- - - - - - - - - - - -

28.6%

4.8% 4.5% 0.0%

4.9% 4.2% 0.0%

26.3%

3.9% 0.1%

3.9% 0.0%

4.1% 0.1%

4.3% 0.1%

6.7% 0.1%

5.3% 0.0%

50.0% 51.6% 120.5%

31.3% 31.3%

43.8% 45.0% 146.6%

38.4% 38.6%

44.0% 45.1% 121.2%

31.6% 33.0%

34.9% 36.0% 87.7%

29.2% 29.4% 77.5%

110.5% 66.67

115.6% 66.67

111.4% 55.56

Return on Assets (ROA)_S Return on Equity (ROE)_S Provision Expense_S

1.5% 2.9%

2.3% 6.8%

33.33 33.33

0.7% 1.6%

0.2% 0.5%

0.3% 0.7%

0.5% 1.1%

1.4% 4.0%

1.4% 5.5%

-

-

-

0

0

0

0

0

0

0

0

11.11

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

206.7%

145.7% 77.78

181.9%

162.8% 77.78

182.1%

150.4% 77.78

156.3% 11.8% 32.8%

141.8% 77.78

5.1% 9.9%

5.2%

44.44 33.33

4.9%

2.4% 8.0%

8.9%

4.8%

9.7%

11.6%

10.9%

19.6%

15.7%

35.6%

-

-

-

0

0

0

0

0

0

0

0

11.11

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

42.8% 83.1% 60.4%

18.6%

66.67

69.5%

31.6%

39.8%

19.9%

42.1%

32.7%

-

127.4% 33.33

- - -

- - -

- - -

- - -

- - -

- - -

- - -

- - -

- - -

33.33

58.0%

55.56 22.22

-

0.40

0.61

11.11