Amount Outstanding at

September 30,

December 31,

2024

2023

(In thousands)

Description

Interest Rate

Maturity

Warehouse lines of credit

3.00% over CP yield rate (Minimum 3.75%) 8.27% and 8.58% at September 30, 2024 and December 31 2023, respectively

July 2026

$

109,059

$

165,628

4.50% over a commercial paper rate (Minimum 7.50%) 9.60% and 9.63% at September 30 2024, and December 31 2023, respectively

March 2026

–

68,997

Residual interest financing

7.86%

June 2026

50,000

Residual interest financing

11.50%

March 2029

50,000

–

Subordinated renewable notes

Weighted average rate of 9.22% and 8.45% at September 30, 2024 and December 31, 2023, respectively

Weighted average maturity of October 2026 and February 2026 at September 30, 2024 and December 31, 2023, respectively

24,288

17,188

$

233,347

$

301,813