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  "documentTitle": "2025 Investor Day",
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      "text": "Originations split into HELD (Total Assets * Net Interest Margin = Net Interest Income) and SOLD (Sold Loans * Day-1 Revenue Margin = Marketplace Revenue)",
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      "kind": "disclaimer",
      "text": "Net interest margin is defined as annualized net interest income/average interest-earning assets. Day-1 revenue margin is defined as origination fee + gain on sale of servicing + loan sale premium/(discount)",
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      "text": "Optimizing Originations to Drive Both Net Interest Income and Marketplace Non-Interest Income",
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