Hanmi Financial Results Presentation Deck
Residential Real Estate Portfolio
The RRE(¹) portfolio was $962.7 million at December 31, 2023, representing 16% of the total loan portfolio.
Our conservative underwriting policy focuses on high-quality mortgage originations with maximum Loan-to-Value (LTV)
between 60% and 70%, maximum Debt-to-Income (DTI) of 43% and minimum FICO scores of 680.
Jumbo Non-QM¹
7%
Non-QM
Non-QM-
91%
Jumbo Non-QM
H Hanmi Financial Corporation
(2)
QM -
2%
QM
27.6% of the Residential Real Estate portfolio is fixed and 72.4% is
variable. Of the variable mortgage portfolio, 84.8% is expected to
reset after 12 months and 15.2% within the next 12 months
Total delinquencies are 0.09% of the residential portfolio, consisting
of 0.05% within 30-59 and 0.03% in 60-89 days delinquency
categories
(1) RRE includes $1.9 million of Home Equity Line of Credit (HELOC) and $4.5 million in consumer loans
(2) QM loans conform to the Abili to-Repay (ATR) rules/requirements of CFPB
(3) Non-QM loans do not conform to the CFPB Dodd-Frank Act
(4) Jumbo Non-QM loan amounts exceed FHFA limits, but generally conform to the ATR/QM rules
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