What changed 10-K

Item 7A. Quantitative and Qualitative Disclosures About Market Risk

2025-02-14 compared with 2024-02-16 · 1 added, 1 removed, 54 unchanged (4% of the section changed)

6 unchanged sentences

Typically, the IRLCs will have a duration of less than six months;

however, in certain markets, the duration could extend to nine months.

however, in certain markets, the duration could extend to twelve months.

Some IRLCs are committed to a specific third-party investor through the use of whole loan delivery commitments matching the exact terms of the IRLC loan.

46 unchanged sentences

Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.