176-66-152 143-162-253 24-61-133 88-219-212 30-140-250 0-9-52 29-70-243 230-107-144 247-247-247 20-122-117 190-190-190 1
176-66-152 143-162-253 24-61-133 88-219-212 30-140-250 0-9-52 29-70-243 230-107-144 247-247-247 20-122-117 190-190-190 Vintage WAC WA Loan Size WA Credit Score WA Ann. Income WA DTI WA PTI 2021-Q1 21.53% 8,076 673 $86,920 24.25% 6.70% 2021-Q2 22.28% 6,641 658 $77,595 23.10% 6.39% 2021-Q3 22.17% 6,261 653 $76,516 22.61% 6.27% 2021-Q4 21.23% 6,153 657 $84,604 22.60% 5.69% 2022-Q1 18.56% 7,655 665 $95,989 22.33% 5.78% 2022-Q2 18.71% 8,679 666 $101,917 22.39% 5.93% 2022-Q3 20.44% 8,932 665 $103,905 23.75% 5.72% 2022-Q4 20.84% 9,676 666 $108,529 24.28% 6.05% 2023-Q1 20.71% 9,886 664 $108,646 24.01% 6.28% 2023-Q2 20.42% 9,617 664 $108,583 25.07% 6.14% 2023-Q3 20.49% 9,227 667 $111,146 26.48% 6.11% 2023-Q4 20.02% 10,184 674 $117,409 26.75% 6.48% 2024-Q1 20.39% 10,386 672 $113,381 28.55% 6.74% 2024-Q2 21.05% 9,879 671 $112,905 27.50% 6.74% 2024-Q3 20.94% 9,309 668 $113,799 26.75% 6.49% 2024-Q4 21.01% 9,112 664 $113,145 26.68% 6.37% 2025-Q1 20.78% 10,328 663 $110,902 28.00% 6.91% 2025-Q2 20.64% 10,351 661 $112,229 28.17% 6.88% 2025-Q3 20.83% 10,150 659 $111,561 27.60% 6.70% 2025-Q4 20.50% 10,752 661 $114,905 27.57% 6.77% 2026-Q1 19.53% 11,241 667 $120,020 28.00% 6.75% 2026-Q2 20.13% 11,459 662 $124,538 28.02% 6.64% Personal Loan Portfolio Overview ~$11K Average Loan Size 662 Weighted Average Credit Score ~20% Weighted Average Coupon ~$125K Average Borrower Annual Income Source: Pagaya Technologies, Data as of July 2026. 2 Definitions: WAC – Weighted Average Coupon | WA Loan Size – Weighted Average Loan Size | WA Credit Score – Weighted Average Credit Score | WA Ann. Income – Weighted Average Annual Income | WA DTI – Weighted Average Debt-to-Income | WA PTI – Weighted Average Payment-to-Income Summary as of Q2’26
176-66-152 143-162-253 24-61-133 88-219-212 30-140-250 0-9-52 29-70-243 230-107-144 247-247-247 20-122-117 190-190-190 Vintage WAC WA OT WA Credit Score WA LTV WA DTI WA PTI WA Miles WA Ann. Inc. WA Car Age 2021-Q1 20.68% 71.3 572 130% 26.66% 13.09% 51,340 $55,727 4.11 2021-Q2 20.37% 71.4 586 125% 26.32% 12.84% 56,066 $61,318 4.49 2021-Q3 20.81% 71.5 590 129% 25.51% 12.91% 63,720 $63,202 5.07 2021-Q4 21.18% 71.4 590 131% 25.04% 13.42% 68,893 $61,708 5.37 2022-Q1 19.83% 71.1 588 128% 24.71% 14.07% 69,454 $58,081 5.41 2022-Q2 19.16% 71.0 591 128% 23.63% 13.77% 69,658 $63,477 5.43 2022-Q3 20.64% 71.5 586 128% 23.74% 15.04% 69,226 $62,708 5.50 2022-Q4 21.19% 71.5 591 127% 23.34% 15.53% 65,184 $62,302 5.32 2023-Q1 21.90% 71.7 589 128% 24.71% 15.50% 56,694 $61,584 4.73 2023-Q2 20.50% 71.4 597 127% 24.05% 14.63% 54,586 $69,883 4.82 2023-Q3 20.75% 71.2 596 127% 24.47% 14.56% 54,934 $67,215 4.84 2023-Q4 21.57% 71.1 592 126% 24.96% 15.15% 53,750 $67,632 4.67 2024-Q1 20.95% 71.0 587 125% 24.84% 12.05% 54,594 $64,814 4.63 2024-Q2 20.51% 71.2 601 124% 25.02% 12.06% 53,118 $68,343 4.61 2024-Q3 21.25% 71.3 600 125% 26.43% 12.61% 51,134 $68,356 4.50 2024-Q4 20.22% 71.2 603 125% 26.09% 12.64% 47,827 $74,787 4.19 2025-Q1 20.44% 71.0 592 122% 26.19% 12.58% 45,898 $70,588 3.88 2025-Q2 20.22% 71.4 590 122% 25.60% 12.16% 37,390 $74,861 3.26 2025-Q3 20.38% 71.3 592 122% 26.01% 12.50% 36,991 $76,625 3.26 2025-Q4 20.46% 71.6 593 121% 26.12% 12.61% 35,033 $77,867 3.10 2026-Q1 18.89% 72.6 593 122% 25.90% 12.20% 31,963 $75,726 2.75 2026-Q2 17.73% 75.2 594 124% 25.40% 11.14% 23,984 $88,012 2.18 Auto Portfolio Overview 18% Weighted Average Coupon $37K Average Loan Size 594 Weighted Average Credit Score 124% Weighted Average LTV $88K Average Borrower Income Source: Pagaya Technologies, Data as of July 2026. 3 Definitions: WAC – Weighted Average Coupon | WA OT – Weighted Average Original Term | WA Credit Score – Weighted Average Credit Score | WA LTV – Weighted Average Loan-to-Value | WA DTI – Weighted Average Debt-to-Income | WA PTI – Weighted Average Payment-to-Income | WA Miles – Weighted Average Vehicle Mileage | WA Ann. Inc. – Weighted Average Annual Income | WA Car Age – Weighted Average Vehicle Age Summary as of Q2’26