Q1'25 Loan Balance and Net Charge-offs by Loan Origination Year ($ in 000s) as of September 30, 2024 2025 2024 2023 2022 2021 Prior Total Amortized Cost Basis by Fiscal Year of Origination Loans Held for Investment $ 3,269,463 $ 2,765,356 $ 186,872 $ 16,269 $ 301 $ 66 $ 6,238,327 (2) and Loans Held for Sale Current period charge-offs (1,552) (107,403) (11,829) (510) (94) (60) (121,448) Current period recoveries 88 3,184 3,357 1,227 242 54 8,152 Current period net charge- (1,464) (104,219) (8,472) 717 148 (6) (113,296) offs Notes: 1. Metrics are unaudited 31 2. Totals shown include the amortized cost basis excluding accrued interest receivable, by fiscal year of origination as of September 30, 2024.