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FY2025
12 months to Dec 31, 2025
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FY2024
12 months to Dec 31, 2024
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FY2023
12 months to Dec 31, 2023
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FY2022
12 months to Dec 31, 2022
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FY2021
12 months to Dec 31, 2021
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|---|---|---|---|---|---|
| Cash flows from operating activities: | |||||
| Net income | |||||
| Adjustments to reconcile net income to net cash provided by operating activities: | |||||
| Depreciation and amortization | |||||
| Amortization of right-of-use assets | |||||
| Provision for credit losses | |||||
| Origination of loans held for sale | |||||
| Proceeds from sales of loans held for sale | |||||
| Net accretion of discount on purchased loans and deferred loan origination costs | |||||
| Provision for (reversal of) uncollectible corporate and escrow advances receivable | |||||
| Gain on disposition of loans | |||||
| Related Party | |||||
| Nonrelated Party | |||||
| Total gain on disposition of loans | |||||
| Real estate acquired through foreclosure in excess of recorded investment | |||||
| Amortization of debt issuance discount and costs | |||||
| Change in valuation of real estate owned | |||||
| Change in valuation of fair value loans | |||||
| Change in valuation of mortgage servicing rights | |||||
| Change in valuation of fair value securitized debt | |||||
| Hedging activities | |||||
| Gain on sale of real estate owned | |||||
| Stock-based compensation | |||||
| Deferred tax (benefit) expense | |||||
| Change in operating assets and liabilities: | |||||
| Accrued interest and other receivables | |||||
| Other assets | |||||
| Accounts payable and accrued expenses | |||||
| Net cash provided by operating activities | |||||
| Cash flows from investing activities: | |||||
| Purchase of loans held for investment | |||||
| Origination of loans held for investment | |||||
| Proceeds from sales of loans originally classified as held for investment | |||||
| Related Party | |||||
| Total proceeds from sales of loans originally classified as held for investment | |||||
| Payments of loans held for investment | |||||
| Proceeds from sale of real estate owned | |||||
| Capitalized improvement on real estate owned | |||||
| Change in corporate and escrow advances receivable | |||||
| Change in impounds and deposits | |||||
| Purchase of property and equipment | |||||
| Proceeds from sale of property and equipment | |||||
| Purchase of mortgage servicing rights | |||||
| Net cash used in investing activities | |||||
| Cash flows from financing activities: | |||||
| Warehouse repurchase facilities advances | |||||
| Warehouse repurchase facilities repayments | |||||
| Proceeds from secured financing | |||||
| Proceeds of securitized debt | |||||
| Repayment of securitized debt | |||||
| Purchase of treasury stock | |||||
| Debt issuance costs | |||||
| Proceeds from issuance of common stock related to warrants exercised | |||||
| Proceeds from issuance of common stocks, net | |||||
| Deferred stock issuance costs | |||||
| Distribution to non-controlling interest | |||||
| Net cash provided by financing activities | |||||
| Net increase (decrease) in cash, cash equivalents, and restricted cash | |||||
| Cash, cash equivalents, and restricted cash at beginning of year | |||||
| Cash, cash equivalents, and restricted cash at end of year | |||||
| Supplemental cash flow information: | |||||
| Cash paid during the year for interest | |||||
| Cash paid during the year for income taxes | |||||
| Noncash transactions from investing and financing activities: | |||||
| Transfer of loans held for investment to loans held for sale | |||||
| Transfer of loans held for investment to real estate owned | |||||
| Transfer of loans held for sale to held for investment | |||||
| Capitalized interest on loans held for investment | |||||
| Discount on issuance of securitized debt | |||||
| Recognition of new leases in exchange for lease obligations | |||||
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