Note 16—Liability for Losses Under Representations and Warranties Following is a summary of the Company’s liability for losses under representations and warranties: | | | | | | | | | | | | | | | Quarter ended June 30, | | Six months ended June 30, | | | 2026 | | 2025 | | 2026 | | 2025 | | | | (in thousands) | Balance at beginning of period | | $ | 35,805 | | $ | 30,774 | | $ | 34,894 | | $ | 29,129 | Provision for losses: | | | | | | | | | | | | | Resulting from sales of loans | | | 5,807 | | | 4,054 | | | 10,275 | | | 7,601 | Resulting from change in estimate | | | (3,662) | | | (2,220) | | | (6,652) | | | (3,635) | Losses incurred | | | (659) | | | (845) | | | (1,226) | | | (1,332) | Balance at end of period | | $ | 37,291 | | $ | 31,763 | | $ | 37,291 | | $ | 31,763 | Unpaid principal balance of loans subject to
representations and warranties at end of period | | | | | | | | $ | 521,743,590 | | $ | 452,998,620 |
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