Amount Outstanding at

September 30,

December 31,

2025

2024

(In thousands)

Description

Interest Rate

Subordinate Lender Interest Rate

Maturity

Warehouse lines of credit

2.85% over CP yield rate (Minimum 3.75%) 7.18% and 7.52% at September 30, 2025 and December 31 2024, respectively

6.40% over SOFR yield rate (Minimum 7.15%) 10.78% and 11.09% at September 30, 2025 and December 31, 2024, respectively

July 2026

$

291,217

$

269,602

Warehouse lines of credit

4.50% over a commercial paper rate (Minimum 7.50%) 8.65% and 8.90% at September 30 2025, and December 31 2024, respectively

March 2026

51,685

145,597

Residual interest financing

7.86%

June 2026

36,490

50,000

Residual interest financing

11.50%

March 2029

49,988

50,000

Residual interest financing

11.00%

June 2032

64,632

–

Subordinated renewable notes

Weighted average rate of 8.99% and 9.24% at September 30, 2025 and December 31, 2024, respectively

Weighted average maturity of October 2027 and December 2026 at September 30, 2025 and December 31, 2024, respectively

28,589

26,489

$

522,601

$

541,688