Quarter ended September 30,

Nine months ended September 30,

2024

2023

2024

2023

(in thousands)

Balance at beginning of period

$

28,688

$

30,146

$

30,788

$

32,421

Provision for losses:

Resulting from sales of loans

4,070

4,011

12,151

8,885

Resulting from change in estimate

(3,481)

(2,552)

(10,877)

(6,005)

Losses incurred

(991)

(1,114)

(3,776)

(4,810)

Balance at end of period

$

28,286

$

30,491

$

28,286

$

30,491

Unpaid principal balance of loans subject to representations and warranties at end of period

$

396,102,491

$

335,044,546