
	June 29, 2024		March 30, 2024
Loans held for investment, previously securitized	$	15,989	$	16,968
Loans held for investment	12,612		12,826
Loans held for sale	22,432		15,140
Construction advances	1,615		722
	52,648		45,656
Deferred financing fees and other, net	(594)		(523)
Allowance for loan losses	(1,016)		(1,066)
	51,038		44,067
Less current portion	(28,887)		(20,713)
	$	22,151	$	23,354


	June 29, 2024		March 30, 2024
Weighted average contractual interest rate	8.1	%	8.1	%
Weighted average effective interest rate	8.9	%	10.4	%
Weighted average months to maturity	208		196

The following table is a consolidated summary of the delinquency status of the outstanding principal balance of consumer loans receivable (in thousands):


	June 29, 2024		March 30, 2024
Current	$	50,756	$	43,810
31 to 60 days	547		1,063
61 to 90 days	446		131
91+ days	899		652
	$	52,648	$	45,656

The following table disaggregates the outstanding principal balance of consumer loans receivable by credit quality indicator and fiscal year of origination (in thousands):


	June 29, 2024
	2025		2024		2023		2022		2021		Prior		Total
Prime- FICO score 680 and greater	$	10,791	$	9,707	$	327	$	95	$	879	$	15,566	$	37,365
Near Prime- FICO score 620-679	1,128		2,144		—		—		1,044		9,269		13,585
Sub-Prime- FICO score less than 620	—		—		—		—		18		718		736
No FICO score	212		446		—		—		—		304		962
	$	12,131	$	12,297	$	327	$	95	$	1,941	$	25,857	$	52,648


	March 30, 2024
	2024		2023		2022		2021		2020		Prior		Total
Prime- FICO score 680 and greater	$	14,107	$	328	$	96	$	885	$	1,808	$	14,425	$	31,649
Near Prime- FICO score 620-679	1,633		—		—		1,202		942		8,684		12,461
Sub-Prime- FICO score less than 620	—		—		—		18		49		723		790
No FICO score	447		—		—		—		—		309		756
	$	16,187	$	328	$	96	$	2,105	$	2,799	$	24,141	$	45,656

As of June 29, 2024, 49% of the outstanding principal balance of the consumer loans receivable portfolio was concentrated in Texas. As of March 30, 2024, 46% of the outstanding principal balance of the consumer loans receivable portfolio was concentrated in Texas and 10% was concentrated in Florida. Other than Texas and Florida, no state had concentrations in excess of 10% of the outstanding principal balance of the consumer loans receivable as of June 29, 2024 or March 30, 2024.

The commercial loans receivable balance consists of direct financing arrangements for the home product needs of our independent distributors, community owners and developers.


	June 29, 2024		March 30, 2024
Loans receivable	$	96,366	$	91,938
Allowance for loan losses	(884)		(781)
Deferred financing fees, net	(138)		(116)
	95,344		91,041
Less current portion of commercial loans receivable (including from affiliates), net	(42,147)		(43,316)
	$	53,197	$	47,725


	June 29, 2024		March 30, 2024
Weighted average contractual interest rate	7.0	%	7.4	%
Weighted average months outstanding	12		12

Nonperforming status includes loans accounted for on a non-accrual basis and accruing loans with principal payments 90 days or more past due. As of June 29, 2024 and March 30, 2024, there were no commercial loans considered nonperforming. The following table disaggregates the outstanding principal balance of our commercial loans receivable by fiscal year of origination (in thousands):


	June 29, 2024
	2025		2024		2023		2022		2021		Total
Performing	$	69,499	$	19,089	$	3,761	$	1,925	$	2,092	$	96,366


	March 30, 2024
	2024		2023		2022		2021		2020		Total
Performing	$	57,691	$	25,066	$	4,823	$	2,144	$	2,214	$	91,938

As of June 29, 2024 and March 30, 2024, there were no commercial loans 90 days or more past due that were still accruing interest, and we were not aware of any potential problem loans that would have a material effect on the commercial loans receivable balance.

As of June 29, 2024, we had concentrations of our outstanding principal balance of the commercial loans receivable balance in New York of 19% and California of 14%. As of March 30, 2024, 18% of our outstanding principal balance of the commercial loans receivable balance was in New York. No other state had concentrations in excess of 10% of the outstanding principal balance of the commercial loans receivable as of June 29, 2024 or March 30, 2024.