Hanmi Financial Results Presentation Deck
Residential Real Estate Portfolio
The RRE(¹) portfolio was $887.0 million at June 30, 2023, representing 15% 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.
(4)
Jumbo Non-QM -
7%
Non-QM
Non-QM -
91%
Jumbo Non-QM
H Hanmi Financial Corporation
(2)
QM-
2%
QM
●
29.8% of the Residential Real Estate portfolio is fixed and 70.2% is
variable. Of the variable mortgage portfolio, 86.0% is expected to
reset after 12 months and 14.0% within the next 12 months
Total delinquencies are 0.15%, consisting of 0.4% within 30-59
days and 0.11% in 60-89 days delinquency categories.
(1) RRE includes $2.2 million of Home Equity Line of Credit (HELOC) and $4.6 million in consumer loans
(2) QM loans conform to the to-Repay (ATR) rules/requirements of CFPB
(3) Non-QM loans do not conform to the Dodd-Frank Act
(4) Jumbo Non-QM loan amounts exceed FHFA limits, but generally conform to the ATR/QM rules
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