Bose George

“Actually, I wanted to ask on the mortgage banking side, it looks like your gain on sale margin, you know, is up in the consumer direct and the wholesale.”

“So you guys noted that, I guess, it was the one time of $8 million. But can you just talk a little more broadly about margin expectations? In 2027, if volumes, if RSI volumes remain around, you know, this $2 trillion, or even, I guess, MBA is looking for even less than that.”

“Actually, first, just on the commercial side, so you guys noted some timing in terms of deals getting pushed out. Can you help quantify that?”

“Can I start with the quick, just get an update on the mark-to-market book value?”

“And then actually just on that topic of what's happening with the credit scores, I think one concern in the market is that, you know, with Vantage score, picking up momentum there, you know, that lenders could use that to game the system.”