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  "documentTitle": "Hanmi Financial | Results Presentation Deck | 47 slides",
  "authorId": "hanmi-financial",
  "authorName": "Hanmi Financial",
  "documentKindSlug": "conference-presentation",
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  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2023-08-01 00:00:00",
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  "notes": "The slide uses a donut chart to show portfolio segments (Non-QM, Jumbo Non-QM, QM) and a text box for additional portfolio metrics.",
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      "text": "Portfolio composition by loan type",
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      "text": "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",
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      "text": "(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 Ability-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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      "kind": "subtitle",
      "text": "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.",
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      "text": "Residential Real Estate Portfolio",
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