2Q 2025 INVESTOR PRESENTATION August 7, 2025 We make the American Dream of home possible. homeownership journey. SECOND QUARTER FACT SHEET Financial Operational (1) We define organic refinance consumer direct recapture rate as the total unpaid principal balance ("UPB") of loans in our servicing portfolio that are paid in full for purposes of refinancing the loan on the same property, with the Company acting as lender on both the existing and new loan, divided by the UPB of all loans in our servicing portfol ...