Blend
footnotes | Blend
Company
Deck Type
Sector
Industry
Deck date
February 2024
Slide
24 of 24
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Investor Day
February 2024
footnotes note core mortgage per funded loan the contractual rates for our mortgage product multiplied by the number of loans funded by a customer in the period divided by the total number of loans funded by all mortgage customers in that same period mortgage attach per funded loan the contractual rate for our mortgage related products multiplied by the number of transactions completed by a customer in the period divided by the total number of loans funded by all mortgage customers in that same period additionally partnerships and veri cation of income contribution which occurs during the mortgage application stage is aligned with the timing of funding the related loan typically a month delay from the time of application note market share is management calculation of blend mortgage market share for the period based on funded loan volumes from signed customers funded volume is calculated as i the number of mortgage banking funded loans processed on the blend platform in the period actual reported funded loans in the period plus an estimate of unreported funded loans for the current quarter divided by total mortgage market volume in the same period as calculated using mortgage bankers association data mortgage market volumes are updated periodically by management based on updates from the mortgage bankers association and updated home mortgage disclosures act data which may provide further revisions to historical data from time to time note we free cash flow a non measure as net cash provided by used in operating activities less purchases of property and equipment free cash margin is calculated as free cash flow as a percentage of total revenues free cash flow is free cash flow before cash paid interest we believe information regarding free cash flow free cash flow margin and free cash flow provide useful information to investors as a basis for comparing our performance with other companies in our industry and as a measurement of the cash generation that is available to invest in our business and meet our needs however given our debt service obligations including the existing million term loan under our credit agreement due in june and other contractual obligations free cash flow does not represent residual cash available for discretionary expenditures | Blend
Investor Day
February 2024
footnotes note consumer banking suite revenues consist of home equity personal lending credit cards deposit accounts auto and other banking product revenue but exclude enabled title revenue note mortgage suite revenues consist of mortgage revenue mortgage add on revenue from blend income veri cation blend close and revenue from blend insurance and blend realty note mortgage suite revenue per transaction consists of mortgage suite revenue for the given period divided by the number of funded loans from signed mortgage customers in that same period the number of funded loans mortgage banking transactions can be found in this appendix under the heading mortgage transactions note economic value per funded loan in our mortgage suite represents the contractual rates for mortgage and mortgage related products multiplied by the number of loans funded or transactions completed as applicable by a customer in the period divided by the total number of loans funded by all mortgage customers in that same period additionally the value derived from partnerships and veri cation of income products that is associated with the mortgage application stage is aligned with the timing of funding the related loan typically a month delay from the time of application we use economic value per funded loan to measure our success at broadening the client relationships from the underlying mortgage transactions and selling additional products through our platform | Blend
Results
February 2024
footnotes | Blend
Investor Day
September 2023
footnotes note core mortgage per funded loan the contractual rates for our mortgage product multiplied by the number of loans funded by a customer in the period divided by the total number of loans funded by all mortgage customers in that same period mortgage attach per funded loan the contractual rate for our mortgage related products multiplied by the number of transactions completed by a customer in the period divided by the total number of loans funded by all mortgage customers in that same period additionally partnerships and veri cation of income contribution which occurs during the mortgage application stage is aligned with the timing of funding the related loan typically a month delay from the time of application note market share is management calculation of blend mortgage market share for the period based on funded loan volumes from signed customers funded volume is calculated as i the number of mortgage banking funded loans processed on the blend platform in the period actual reported funded loans in the period plus an estimate of unreported funded loans for the current quarter divided by total mortgage market volume in the same period as calculated using mortgage bankers association data mortgage market volumes are updated periodically by management based on updates from the mortgage bankers association and updated home mortgage disclosures act data which may provide further revisions to historical data from time to time note we free cash flow a non measure as net cash provided by used in operating activities less purchases of property and equipment free cash margin is calculated as free cash flow as a percentage of total revenues free cash flow is free cash flow before cash paid interest we believe information regarding free cash flow free cash flow margin and free cash flow provide useful information to investors as a basis for comparing our performance with other companies in our industry and as a measurement of the cash generation that is available to invest in our business and meet our needs however given our debt service obligations including the existing million term loan under our credit agreement due in june and other contractual obligations free cash flow does not represent residual cash available for discretionary expenditures | Blend
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