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  "documentTitle": "Hanmi Financial | Results Presentation Deck | 48 slides",
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  "authorName": "Hanmi Financial Corporation",
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  "presentationDate": "2024-01-01 00:00:00",
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      "kind": "chart",
      "text": "Portfolio composition by loan type: Non-QM (91%), Jumbo Non-QM (7%), QM (2%)",
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      "text": "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",
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      "text": "(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 Ability-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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      "text": "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.",
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      "text": "Residential Real Estate Portfolio",
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