v3.25.4

Loans And Allowance For Credit Losses (Tables) | 3 Months Ended
--- | ---
Dec. 31, 2025
Receivables [Abstract] |
Schedule of Accounts, Notes, Loans and Financing Receivable | Loans held for investment consist of the following:
|  | December 31, 2025 |  | September 30, 2025
Real estate loans: |  |  |  |
Residential Core |  | $ | 10,649,895 |  |  | $ | 10,803,813 |
Residential Home Today |  | 34,772 |  |  | 35,933 |
Home equity lines of credit |  | 4,238,904 |  |  | 4,062,798 |
Home equity loans |  | 809,425 |  |  | 749,548 |
Construction |  | 12,928 |  |  | 12,302 |
Real estate loans |  | 15,745,924 |  |  | 15,664,394 |
Other loans |  | 8,515 |  |  | 8,153 |
Add (deduct): |  |  |  |
Deferred loan expenses, net |  | 70,317 |  |  | 69,943 |
Loans in process |  | (8,084) |  |  | (4,934) |
Allowance for credit losses on loans |  | (74,984) |  |  | (74,244) |
Loans held for investment, net |  | $ | 15,741,688 |  |  | $ | 15,663,312 |
Schedule Of Recorded Investment Of Loan Receivables That Are Past Due | An aging analysis of the amortized cost in loan receivables that are past due at December 31, 2025 and September 30, 2025, is summarized in the following tables. When a loan is more than one month past due on its scheduled payments, the loan is considered 30 days or more past due, regardless of the number of days in each month.
| 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or More Past Due |  | Total Past Due |  | Current |  | Total
December 31, 2025 |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |
Residential Core | $ | 7,841 |  |  | $ | 2,339 |  |  | $ | 10,461 |  |  | $ | 20,641 |  |  | $ | 10,655,822 |  |  | $ | 10,676,463 |
Residential Home Today | 845 |  |  | 354 |  |  | 714 |  |  | 1,913 |  |  | 32,410 |  |  | 34,323 |
Home equity lines of credit | 5,406 |  |  | 1,406 |  |  | 5,075 |  |  | 11,887 |  |  | 4,265,053 |  |  | 4,276,940 |
Home equity loans | 904 |  |  | 487 |  |  | 1,072 |  |  | 2,463 |  |  | 813,221 |  |  | 815,684 |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | 4,747 |  |  | 4,747 |
Total real estate loans | 14,996 |  |  | 4,586 |  |  | 17,322 |  |  | 36,904 |  |  | 15,771,253 |  |  | 15,808,157 |
Other loans | — |  |  | — |  |  | — |  |  | — |  |  | 8,515 |  |  | 8,515 |
Total | $ | 14,996 |  |  | $ | 4,586 |  |  | $ | 17,322 |  |  | $ | 36,904 |  |  | $ | 15,779,768 |  |  | $ | 15,816,672 |
| 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or More Past Due |  | Total Past Due |  | Current |  | Total
September 30, 2025 |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |
Residential Core | $ | 6,494 |  |  | $ | 2,855 |  |  | $ | 10,470 |  |  | $ | 19,819 |  |  | $ | 10,810,686 |  |  | $ | 10,830,505 |
Residential Home Today | 752 |  |  | 266 |  |  | 560 |  |  | 1,578 |  |  | 33,893 |  |  | 35,471 |
Home equity lines of credit | 4,791 |  |  | 1,382 |  |  | 5,296 |  |  | 11,469 |  |  | 4,089,196 |  |  | 4,100,665 |
Home equity loans | 511 |  |  | 339 |  |  | 935 |  |  | 1,785 |  |  | 753,705 |  |  | 755,490 |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | 7,272 |  |  | 7,272 |
Total real estate loans | 12,548 |  |  | 4,842 |  |  | 17,261 |  |  | 34,651 |  |  | 15,694,752 |  |  | 15,729,403 |
Other loans | — |  |  | — |  |  | — |  |  | — |  |  | 8,153 |  |  | 8,153 |
Total | $ | 12,548 |  |  | $ | 4,842 |  |  | $ | 17,261 |  |  | $ | 34,651 |  |  | $ | 15,702,905 |  |  | $ | 15,737,556 |
Schedule Of Recorded Investment Of Loan Receivables In Non-Accrual Status | The amortized cost of loan receivables in non-accrual status is summarized in the following table. Non-accrual with no ACL describes non-accrual loans which have no quantitative allowance, primarily because they have already been subject to collateral review and any required charge-offs have been taken, but may be included in consideration of qualitative allowance factors. There are no loans 90 or more days past due and still accruing at December 31, 2025 or September 30, 2025.
| December 31, 2025 |  | September 30, 2025
| Non-accrual with No ACL |  | Total Non-accrual |  | Non-accrual with No ACL |  | Total Non-accrual
Real estate loans: |  |  |  |  |  |  |
Residential Core | $ | 19,214 |  |  | $ | 23,293 |  |  | $ | 18,861 |  |  | $ | 23,041 |
Residential Home Today | 2,774 |  |  | 2,868 |  |  | 2,858 |  |  | 3,032 |
Home equity lines of credit | 9,348 |  |  | 10,949 |  |  | 10,071 |  |  | 11,141 |
Home equity loans | 1,657 |  |  | 1,864 |  |  | 1,280 |  |  | 1,492 |
Total non-accrual loans | $ | 32,993 |  |  | $ | 38,974 |  |  | $ | 33,070 |  |  | $ | 38,706 |
Schedule Of The Allowance For Loan Losses |
| For the Three Months Ended December 31, 2025
| Beginning Balance |  |  |  | Provisions (Releases) |  | Charge-offs |  | Recoveries |  | Ending Balance
Real estate loans: |  |  |  |  |  |  |  |  |  |  |
Residential Core | $ | 39,939 |  |  |  |  | $ | (1,728) |  |  | $ | (15) |  |  | $ | 169 |  |  | $ | 38,365 |
Residential Home Today | (2,438) |  |  |  |  | (150) |  |  | (36) |  |  | 485 |  |  | (2,139) |
Home equity lines of credit | 22,069 |  |  |  |  | 756 |  |  | (260) |  |  | 480 |  |  | 23,045 |
Home equity loans | 14,645 |  |  |  |  | 1,181 |  |  | (137) |  |  | 12 |  |  | 15,701 |
Construction | 29 |  |  |  |  | (17) |  |  | — |  |  | — |  |  | 12 |
Total real estate loans | $ | 74,244 |  |  |  |  | $ | 42 |  |  | $ | (448) |  |  | $ | 1,146 |  |  | $ | 74,984 |
Total Unfunded Loan Commitments (1) | $ | 30,116 |  |  |  |  | $ | (1,042) |  |  | $ | — |  |  | $ | — |  |  | $ | 29,074 |
Total Allowance for Credit Losses | $ | 104,360 |  |  |  |  | $ | (1,000) |  |  | $ | (448) |  |  | $ | 1,146 |  |  | $ | 104,058 |
(1) For all periods presented, the total allowance for unfunded loan commitments is recognized in accrued expenses and other liabilities on the CONSOLIDATED STATEMENTS OF CONDITION and primarily relates to undrawn home equity lines of credit.
| For the Three Months Ended December 31, 2024
| Beginning Balance |  |  |  | Provisions (Releases) |  | Charge-offs |  | Recoveries |  | Ending Balance
Real estate loans: |  |  |  |  |  |  |  |  |  |  |
Residential Core | $ | 44,402 |  |  |  |  | $ | (2,444) |  |  | $ | (1) |  |  | $ | 519 |  |  | $ | 42,476 |
Residential Home Today | (2,672) |  |  |  |  | (336) |  |  | — |  |  | 479 |  |  | (2,529) |
Home equity lines of credit | 16,590 |  |  |  |  | 1,162 |  |  | (316) |  |  | 758 |  |  | 18,194 |
Home equity loans | 11,642 |  |  |  |  | 724 |  |  | — |  |  | 9 |  |  | 12,375 |
Construction | 40 |  |  |  |  | 3 |  |  | — |  |  | — |  |  | 43 |
Total real estate loans | $ | 70,002 |  |  |  |  | $ | (891) |  |  | $ | (317) |  |  | $ | 1,765 |  |  | $ | 70,559 |
Total Unfunded Loan Commitments (1) | $ | 27,811 |  |  |  |  | $ | (609) |  |  | $ | — |  |  | $ | — |  |  | $ | 27,202 |
Total Allowance for Credit Losses | $ | 97,813 |  |  |  |  | $ | (1,500) |  |  | $ | (317) |  |  | $ | 1,765 |  |  | $ | 97,761 |
(1) For all periods presented, the total allowance for unfunded loan commitments is recognized in accrued expenses and other liabilities on the CONSOLIDATED STATEMENTS OF CONDITION and primarily relates to undrawn home equity lines of credit.
Schedule Of Credit Quality Of Residential Loan Receivables By An Internally Assigned Grade | The following tables provide the amortized cost and information about the credit quality of residential loan receivables by an internally assigned grade as of the dates presented. Revolving loans reported at amortized cost include home equity lines of credit currently in their draw period. Revolving loans converted to term are home equity lines of credit that are in repayment. Loans, or the portions of loans, classified as loss are fully charged-off in the period in which they are determined to be uncollectible; therefore they are not included in the following tables. No Home Today loans are classified Special Mention and all construction loans are classified Pass for both periods presented.
|  |  |  |  |  |  | Revolving Loans Amortized Cost Basis | Revolving Loans Converted to Term |  |
| By fiscal year of origination |  |
| 2026 | 2025 | 2024 | 2023 | 2022 | Prior | Total |
December 31, 2025 |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |
Residential Core |  |  |  |  |  |  |  |  |  |
Pass | $ | 261,832 |  | $ | 665,391 |  | $ | 443,269 |  | $ | 1,332,395 |  | $ | 2,595,383 |  | $ | 5,347,634 |  | $ | — |  | $ | — |  | $ | 10,645,904 |  |
Special Mention | — |  | — |  | — |  | — |  | — |  | 577 |  | — |  | — |  | 577 |  |
Substandard | — |  | — |  | 157 |  | 1,313 |  | 4,425 |  | 24,087 |  | — |  | — |  | 29,982 |  |
Total Residential Core | 261,832 |  | 665,391 |  | 443,426 |  | 1,333,708 |  | 2,599,808 |  | 5,372,298 |  | — |  | — |  | 10,676,463 |  |
Residential Home Today (1) |  |  |  |  |  |  |  |  |  |
Pass | — |  | — |  | — |  | — |  | — |  | 31,051 |  | — |  | — |  | 31,051 |  |
Substandard | — |  | — |  | — |  | — |  | — |  | 3,272 |  | — |  | — |  | 3,272 |  |
Total Residential Home Today | — |  | — |  | — |  | — |  | — |  | 34,323 |  | — |  | — |  | 34,323 |  |
Home equity lines of credit |  |  |  |  |  |  |  |  |  |
Pass | — |  | — |  | — |  | — |  | — |  | — |  | 4,204,294 |  | 51,558 |  | 4,255,852 |  |
Special Mention | — |  | — |  | — |  | — |  | — |  | — |  | 5,932 |  | 269 |  | 6,201 |  |
Substandard | — |  | — |  | — |  | — |  | — |  | — |  | 10,165 |  | 4,722 |  | 14,887 |  |
Total Home equity lines of credit | — |  | — |  | — |  | — |  | — |  | — |  | 4,220,391 |  | 56,549 |  | 4,276,940 |  |
Home equity loans |  |  |  |  |  |  |  |  |  |
Pass | 118,375 |  | 290,501 |  | 218,667 |  | 117,346 |  | 40,945 |  | 26,205 |  | — |  | — |  | 812,039 |  |
Special Mention | — |  | 248 |  | 423 |  | 499 |  | 47 |  | 9 |  | — |  | — |  | 1,226 |  |
Substandard | — |  | 180 |  | 317 |  | 1,404 |  | 241 |  | 277 |  | — |  | — |  | 2,419 |  |
Total Home equity loans | 118,375 |  | 290,929 |  | 219,407 |  | 119,249 |  | 41,233 |  | 26,491 |  | — |  | — |  | 815,684 |  |
Total Construction | 1,268 |  | 3,479 |  | — |  | — |  | — |  | — |  | — |  | — |  | 4,747 |  |
Total real estate loans |  |  |  |  |  |  |  |  |  |
Pass | 381,475 |  | 959,371 |  | 661,936 |  | 1,449,741 |  | 2,636,328 |  | 5,404,890 |  | 4,204,294 |  | 51,558 |  | 15,749,593 |  |
Special Mention | — |  | 248 |  | 423 |  | 499 |  | 47 |  | 586 |  | 5,932 |  | 269 |  | 8,004 |  |
Substandard | — |  | 180 |  | 474 |  | 2,717 |  | 4,666 |  | 27,636 |  | 10,165 |  | 4,722 |  | 50,560 |  |
Total real estate loans | $ | 381,475 |  | $ | 959,799 |  | $ | 662,833 |  | $ | 1,452,957 |  | $ | 2,641,041 |  | $ | 5,433,112 |  | $ | 4,220,391 |  | $ | 56,549 |  | $ | 15,808,157 |  |
(1) No new originations of Home Today loans since fiscal year 2016.
|  |  |  |  |  |  | Revolving Loans Amortized Cost Basis | Revolving Loans Converted To Term |  |
| By fiscal year of origination |  |
| 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Total |
September 30, 2025 |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |
Residential Core |  |  |  |  |  |  |  |  |  |
Pass | $ | 757,380 |  | $ | 468,343 |  | $ | 1,373,019 |  | $ | 2,660,389 |  | $ | 1,626,170 |  | $ | 3,914,125 |  | $ | — |  | $ | — |  | $ | 10,799,426 |  |
Special Mention | — |  | — |  | — |  | — |  | — |  | 666 |  | — |  | — |  | 666 |  |
Substandard | — |  | 161 |  | 2,024 |  | 4,000 |  | 3,040 |  | 21,188 |  | — |  | — |  | 30,413 |  |
Total Residential Core | 757,380 |  | 468,504 |  | 1,375,043 |  | 2,664,389 |  | 1,629,210 |  | 3,935,979 |  | — |  | — |  | 10,830,505 |  |
Residential Home Today (1) |  |  |  |  |  |  |  |  |  |
Pass | — |  | — |  | — |  | — |  | — |  | 31,936 |  | — |  | — |  | 31,936 |  |
Substandard | — |  | — |  | — |  | — |  | — |  | 3,535 |  | — |  | — |  | 3,535 |  |
Total Residential Home Today | — |  | — |  | — |  | — |  | — |  | 35,471 |  | — |  | — |  | 35,471 |  |
Home equity lines of credit |  |  |  |  |  |  |  |  |  |
Pass | — |  | — |  | — |  | — |  | — |  | — |  | 4,028,977 |  | 51,726 |  | 4,080,703 |  |
Special Mention | — |  | — |  | — |  | — |  | — |  | — |  | 4,679 |  | 370 |  | 5,049 |  |
Substandard | — |  | — |  | — |  | — |  | — |  | — |  | 9,678 |  | 5,235 |  | 14,913 |  |
Total Home equity lines of credit | — |  | — |  | — |  | — |  | — |  | — |  | 4,043,334 |  | 57,331 |  | 4,100,665 |  |
Home equity loans |  |  |  |  |  |  |  |  |  |
Pass | 317,633 |  | 236,210 |  | 126,622 |  | 43,623 |  | 13,831 |  | 14,336 |  | — |  | — |  | 752,255 |  |
Special Mention | 197 |  | 538 |  | 173 |  | 113 |  | — |  | 25 |  | — |  | — |  | 1,046 |  |
Substandard | 155 |  | 324 |  | 1,199 |  | 227 |  | 106 |  | 178 |  | — |  | — |  | 2,189 |  |
Total Home equity loans | 317,985 |  | 237,072 |  | 127,994 |  | 43,963 |  | 13,937 |  | 14,539 |  | — |  | — |  | 755,490 |  |
Total Construction | 4,998 |  | 2,274 |  | — |  | — |  | — |  | — |  | — |  | — |  | 7,272 |  |
Total real estate loans |  |  |  |  |  |  |  |  |  |
Pass | 1,080,011 |  | 706,827 |  | 1,499,641 |  | 2,704,012 |  | 1,640,001 |  | 3,960,397 |  | 4,028,977 |  | 51,726 |  | 15,671,592 |  |
Special Mention | 197 |  | 538 |  | 173 |  | 113 |  | — |  | 691 |  | 4,679 |  | 370 |  | 6,761 |  |
Substandard | 155 |  | 485 |  | 3,223 |  | 4,227 |  | 3,146 |  | 24,901 |  | 9,678 |  | 5,235 |  | 51,050 |  |
Total real estate loans | $ | 1,080,363 |  | $ | 707,850 |  | $ | 1,503,037 |  | $ | 2,708,352 |  | $ | 1,643,147 |  | $ | 3,985,989 |  | $ | 4,043,334 |  | $ | 57,331 |  | $ | 15,729,403 |  |
(1) No new originations of Home Today loans since fiscal year 2016. The following table presents gross charge-offs of residential loan receivables recorded during the fiscal year-to-date periods presented. There were no gross charge-offs in the construction loan portfolios for the periods presented.
| For the Three Months Ended December 31, 2025
| By fiscal year of origination |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  |
| 2026 | 2025 | 2024 | 2023 | 2022 | Prior |  |  |  | Total
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |
Residential Core | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 15 |  |  | $ | — |  |  | $ | — |  |  | $ | 15 |
Residential Home Today | — |  | — |  | — |  | — |  | — |  | 36 |  |  | — |  |  | — |  |  | 36 |
Home equity lines of credit | — |  | — |  | — |  | — |  | — |  | — |  |  | 202 |  |  | 58 |  |  | 260 |
Home equity loans | — |  | 73 |  | 49 |  | — |  | 5 |  | 10 |  |  | — |  |  | — |  |  | 137 |
Total real estate loans | $ | — |  | $ | 73 |  | $ | 49 |  | $ | — |  | $ | 5 |  | $ | 61 |  |  | $ | 202 |  |  | $ | 58 |  |  | $ | 448 |
| For the Three Months Ended December 31, 2024
| By fiscal year of origination |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  |
| 2025 | 2024 | 2023 | 2022 | 2021 | Prior |  |  |  | Total
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |
Residential Core | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 1 |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |
Residential Home Today | — |  | — |  | — |  | — |  | — |  | — |  |  | — |  |  | — |  |  | — |
Home equity lines of credit | — |  | — |  | — |  | — |  | — |  | — |  |  | 157 |  |  | 159 |  |  | 316 |
Home equity loans | — |  | — |  | — |  | — |  | — |  | — |  |  | — |  |  | — |  |  | — |
Total real estate loans | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 1 |  |  | $ | 157 |  |  | $ | 159 |  |  | $ | 317 |
Schedule Of Modified Loans | The following tables present the amortized cost of modifications by type executed during the periods presented for borrowers experiencing financial difficulty. For the three months ended December 31, 2025 and December 31, 2024, there were no modifications made on construction loans.
| For the Three Months Ended December 31, 2025
| Interest Rate Reduction |  |  |  | Term Extension |  | Significant Payment Delay |  | Combination-Rate Reduction & Term Extension |  | Other |  | Total |  | % of Total Class
Residential Core | $ | — |  |  |  |  | $ | 621 |  |  | $ | 293 |  |  | $ | 171 |  |  | $ | — |  |  | $ | 1,085 |  |  | 0.01 | %
Residential Home Today | — |  |  |  |  | 81 |  |  | 28 |  |  | — |  |  | 3 |  |  | 112 |  |  | 0.33 |
Home equity lines of credit | — |  |  |  |  | — |  |  | — |  |  | 80 |  |  | — |  |  | 80 |  |  | — |
Home equity loans | — |  |  |  |  | — |  |  | 95 |  |  | — |  |  | — |  |  | 95 |  |  | 0.01 |
Total | $ | — |  |  |  |  | $ | 702 |  |  | $ | 416 |  |  | $ | 251 |  |  | $ | 3 |  |  | $ | 1,372 |  |  | 0.01 | %
| For the Three Months Ended December 31, 2024
| Interest Rate Reduction |  |  |  | Term Extension |  | Significant Payment Delay |  | Combination-Rate Reduction & Term Extension |  | Other |  | Total |  | % of Total Class
Residential Core | $ | — |  |  |  |  | $ | 213 |  |  | $ | 1,030 |  |  | $ | 177 |  |  | $ | — |  |  | $ | 1,420 |  |  | 0.01 | %
Residential Home Today | — |  |  |  |  | 27 |  |  | 138 |  |  | 1 |  |  | — |  |  | 166 |  |  | 0.42 |
Home equity lines of credit | — |  |  |  |  | 46 |  |  | 31 |  |  | 147 |  |  | — |  |  | 224 |  |  | 0.01 |
Home equity loans | — |  |  |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | — |  |  |  |  | $ | 286 |  |  | $ | 1,199 |  |  | $ | 325 |  |  | $ | — |  |  | $ | 1,810 |  |  | 0.01 | %
The following tables present the financial effects of the loan modifications presented above based on the type of modification.
|  | For the Three Months Ended December 31, 2025 |  | For the Three Months Ended December 31, 2024
|  | Interest Rate Reduction |  | Term Extension |  | Interest Rate Reduction |  | Term Extension
|  | Weighted-Average Contractual Interest Rate |  | Weighted-Average Years Added to Life |  | Weighted-Average Contractual Interest Rate |  | Weighted-Average Years Added to Life
|  | From |  | To |  |  | From |  | To |
Residential Core |  | 5.29% |  | 3.50% |  | 9.6 |  | 5.73% |  | 3.50% |  | 13.8
Residential Home Today |  | —% |  | —% |  | 11.6 |  | 4.00% |  | 3.50% |  | 9.8
Home equity lines of credit |  | 7.25% |  | 3.50% |  | 2.5 |  | 6.99% |  | 3.50% |  | 1.2
Home equity loans |  | —% |  | —% |  | 0.0 |  | —% |  | —% |  | 0.0
The following tables present performance by loan type as of December 31, 2025 and December 31, 2024, on loans modified during the previous 12 months for borrowers experiencing financial difficulties. The loans in delinquency status primarily consisted of loans with significant payment delays prior to modification, which continue to be reported delinquent based on their original contractual terms.
December 31, 2025 |  |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or More Past Due |  | Total Past Due |  | Current |  | Total
Residential Core |  |  | $ | — |  |  | $ | 80 |  |  | $ | 393 |  |  | $ | 473 |  |  | $ | 3,507 |  |  | $ | 3,980 |
Residential Home Today |  |  | — |  |  | 52 |  |  | 111 |  |  | 163 |  |  | 358 |  |  | 521 |
Home equity lines of credit |  |  | 64 |  |  | — |  |  | 105 |  |  | 169 |  |  | 654 |  |  | 823 |
Home equity loans |  |  | — |  |  | — |  |  | 64 |  |  | 64 |  |  | 95 |  |  | 159 |
Total |  |  | $ | 64 |  |  | $ | 132 |  |  | $ | 673 |  |  | $ | 869 |  |  | $ | 4,614 |  |  | $ | 5,483 |
December 31, 2024 |  |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or More Past Due |  | Total Past Due |  | Current |  | Total
Residential Core |  |  | $ | 817 |  |  | $ | 364 |  |  | $ | 1,301 |  |  | $ | 2,482 |  |  | $ | 3,697 |  |  | $ | 6,179 |
Residential Home Today |  |  | 43 |  |  | 149 |  |  | 207 |  |  | 399 |  |  | 159 |  |  | 558 |
Home equity lines of credit |  |  | — |  |  | — |  |  | 230 |  |  | 230 |  |  | 628 |  |  | 858 |
Home equity loans |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 90 |  |  | 90 |
Total |  |  | $ | 860 |  |  | $ | 513 |  |  | $ | 1,738 |  |  | $ | 3,111 |  |  | $ | 4,574 |  |  | $ | 7,685 |
Financing Receivable, Modified, Subsequent Default | The performance of loans modified for borrowers experiencing financial difficulty is closely monitored by the Company to evaluate the effectiveness of modification efforts. Modifications made to borrowers experiencing financial difficulty that subsequently become 90 days or more past due under the modified terms are considered subsequently defaulted. The following table provides information, by type of modification, about loans that were modified within the last 12 months and subsequently defaulted during the three months ended December 31, 2025 and December 31, 2024. There were no home equity loans that subsequently defaulted for the three months ended December 31, 2025 and December 31, 2024.
| For the Three Months Ended December 31, 2025
| Interest Rate Reduction |  | Term Extension |  | Significant Payment Delay |  | Combination-Rate Reduction & Term Extension |  | Other |  | Total
Residential Core | $ | — |  |  | $ | — |  |  | $ | 396 |  |  | $ | 78 |  |  | $ | — |  |  | $ | 474 |
Residential Home Today | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Home equity lines of credit | — |  |  | — |  |  | 45 |  |  | — |  |  | — |  |  | 45 |
Total | $ | — |  |  | $ | — |  |  | $ | 441 |  |  | $ | 78 |  |  | $ | — |  |  | $ | 519 |
| For the Three Months Ended December 31, 2024
| Interest Rate Reduction |  | Term Extension |  | Significant Payment Delay |  | Combination-Rate Reduction & Term Extension |  | Other |  | Total
Residential Core | $ | — |  |  | $ | — |  |  | $ | 25 |  |  | $ | 14 |  |  | $ | — |  |  | $ | 39 |
Residential Home Today | — |  |  | — |  |  | 58 |  |  | — |  |  | — |  |  | 58 |
Home equity lines of credit | — |  |  | — |  |  | 199 |  |  | — |  |  | — |  |  | 199 |
Total | $ | — |  |  | $ | — |  |  | $ | 282 |  |  | $ | 14 |  |  | $ | — |  |  | $ | 296 |

X
- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable with payment default and modified within previous 12 months preceding payment default for debtor experiencing financial difficulty. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 44 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-44 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 12A -Publisher FASB -URI https://asc.fasb.org/1943274/2147481933/310-10-55-12A + Details
Name: | us-gaap_FinancingReceivableModifiedSubsequentDefaultTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 14 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-14 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 80 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-80 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_ReceivablesAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 210 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(4)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 210 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(3)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1 + Details
Name: | us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable on nonaccrual status. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 16 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-16 + Details
Name: | us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable modified for debtor experiencing financial difficulty. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 42 -Subparagraph (a)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 42 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 12A -Publisher FASB -URI https://asc.fasb.org/1943274/2147481933/310-10-55-12A Reference 4: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 34 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-34 Reference 5: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 33 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-33 + Details
Name: | us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration