**We have reduced the time from HELOC application to funding from an industry median of approximately 42 days, according to industry sources, to a median of 10 days for the nine months ended September 30, 2025.**-行业数据

of 754 and average income of approximately $184,000 for originations during the nine months ended September 30, 2025. Our customer base values financial products that reflect their strong financial standing. We provide a HELOC product that is fast and months ended September 30, 2025, 16% of the total principal amount of loans originated via our LOS were first-lien. Partner-branded: Our partners are mortgage originators, servicers, banks, wholesale brokers, and credit unions. These partners use our consumer-facing application portal, which is branded in the partner's name and provides homogeneous automated underwriting, loan-decisioning software, and loan closing tools. The offering is used by both retail and wholesale lenders. Our lending and distribution platform is designed to support the diverse business models of our Partner-branded loan originations have grown from $331 million for the last twelve months ended September 30, 2022 to approximately $5.2 billion for the last twelve months ended September 30, 2025. For the nine months ended September 30, 2025, Partner-branded loans comprised 76% of our total loan originations. Our network of partners has grown from three partners as of December 31, 2021, to 246 as of September 30, 2025, with our top 10 partners contributing 56% and 52% of our origination volume for the nine months ended September 30, 2025 and the year ended December 31, 2024, respectively. Our top 10 partners are medium to large non-bank finance companies in the mortgage industry. They are concentrated in the United States, with some having a nationwide presence and others focusing on specific to prove demand and product efficacy and validate results of upgrades and modifications. 2019, our first year of activity, to approximately $1.4 billion for the nine months ended September 30, 2025 and approximately loans comprised 24% of our total loan originations.