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MORTGAGE SERVICING RIGHTS (Tables)

3 Months Ended

Mar. 31, 2026

Mortgage Servicing Rights MSR Disclosure [Abstract]

The following table presents the Company's MSR activity for the three months ended March 31, 2026 and the three months ended March 31, 2025:


	March 31, 2026			March 31, 2025
Balance at beginning of period	$	554,246		$	649,287
Changes in fair value due to:
Changes in valuation inputs or assumptions used in valuation model	(11,147)			(10,310)
Other changes to fair value(1)	(19,098)			(12,208)
Balance at end of period	$	524,001		$	626,769

Loans associated with MSRs(2)	$	52,755,018		$	60,896,737
MSR values as percent of loans(3)	0.99		%	1.03		%

(1)Amounts represent changes due to realization of expected cash flows and prepayment of principal of the underlying loan portfolio.

(2)Amounts represent the unpaid principal balance of loans associated with MSRs outstanding at March 31, 2026 and March 31, 2025, respectively.

(3)Amounts represent the carrying value of MSRs at March 31, 2026 and March 31, 2025, respectively, divided by the outstanding balance of the loans associated with these MSRs.

Schedule of Components of Servicing Income

The following table presents the servicing income recorded on the Company's consolidated statements of operations for the three months ended March 31, 2026 and March 31, 2025:


	Three Months Ended March 31, 2026		Three Months Ended March 31, 2025
Servicing income, net	$	54,421	$	64,880
Total servicing income	$	54,421	$	64,880