GFG Executive Operating Dashboard — Guidance Financial Group

The 8 Pillars at a Glance — Wed Jun 3, 2026

1 · Finance

27.3%

Operating EBITDA Margin · Plan

2 · Secondary Markets

215 bps

GOS May actual · target 225 · low 191

3 · Origination Sales

$2.41B

YTD Production · GR Master

4 · Origination Ops

38 days

Lock-to-Close · Target <30

5 · Mortgage Servicing

$5.3B

UPB · EOY target

6 · GHS

62 bps

Referral Fee · on volume

7 · GI

$7.6M → $60M

AUM ramp · FY26 target

8 · Marketing

25th Anniversary

Signature campaign · FY26

Finance

Owner — Nancy Whipp · SVP CFO · Refresh: P&L monthly (Nancy reforecast) · OpEx daily (AMB GL) · Volume intraday (GR Master)

⚠ Under ReviewLive

⚠ FINANCE FIGURES UNDER REVIEW (2026-06-22)

The tiles below are labeled "Q1 Actual" but currently show FY26 Reforecast full-year values. Per Figure Verification Audit 2026-06-22 (DL-28), true Q1 numbers per BOD Final Slide 64: Revenue $7.31M, OpEx $6.97M, Operating Income $0.22M, GAAP NI $3.87M. P-CORRECT-C will replace these tiles with true Q1 actuals pending Nancy confirmation. Until then, treat displayed values as FY26 Reforecast full-year.

Cash Net Income — Q1 Actual

$6.06M

FY26 Plan $25.5M · Q1 trk 24%

Operating EBITDA — Q1 Actual

$9.76M

Plan $11.06M · -$1.30M (-11.8%)

EBITDA Margin (FY26 Reforecast)

27.3%

FY25 actual: 27.2% · Q1 Plan: 28.1% · see Finance UNDER REVIEW

Total Revenue — Q1 Actual

$35.7M

FY26 Reforecast · Jun 18

Total OpEx — Q1 Actual

$25.97M

Plan $28.34M · -$2.37M (-8.4%)

Dividend

$2.0M Q1

$4.0M FY26 plan · ~70% Cash NI payout

Pricing Exceptions

Sales Discipline · Margin Impact · Comp Pool Adjustment

Source: Daily Pricing Exception Report (IT_HelpDesk) · feeds Hussam v5 comp formula

Exceptions · MTD

—

Source never delivered — see CTO escalation 2026-06-23

Exception Rate

—

Source never delivered — see CTO escalation 2026-06-23

Margin Given Up · $ MTD

—

Source never delivered — see CTO escalation 2026-06-23

Margin Given Up · bps

—

Source never delivered — see CTO escalation 2026-06-23

Avg Exception Size

—

Source never delivered — see CTO escalation 2026-06-23

Comp Pool Impact

—

Source never delivered — see CTO escalation 2026-06-23

AMB-Powered · Vendor Discipline

Vendor Cost Concentration · Top-10 Risk Lens

Source: AMB-Richey-May-Query (DOMO · read-only per SD-19) · Pilot tile · DL-15 D-2 approved

Vendor Cost Concentration (LTM)

AMB

Top-10 vendors as % of OpEx · pilot card pending DOMO embed

Single-Vendor Threshold

>5%

Any vendor over threshold flags red

Top Vendor (LTM)

AMB

Pending tie-out vs Finance reference

YoY Vendor Concentration Δ

AMB

12-mo trailing vs prior 12-mo

Secondary Markets

Owner — Capital Markets · Refresh: daily lock book · monthly GOS realization

Live

GOS Blended Realization

214 bps

FY26 Reforecast blended · Jun 18

Pricing Bps · Wholesale

175 bps

Sustained Q2

Pricing Bps · Retail

285 bps

Premium channel

Lock Volume MTD

Build

Awaiting lock-book wire — prior $87.2M was duplicate of Sales Disb

Pull-Through Rate

61.5%

$ basis (87.2/141.8M) · units basis 58.7% · target 65%

Investor Mix

Multi

Sharia investors active

Origination Sales

Owner — Hussam · SVP Sales · Refresh: Flash Report daily 8 AM ET · GR Master intraday

Live

YTD Production

$1.32B

FY26 Reforecast · Jun 18, 2026

Disbursement MTD

feed down

Source pipeline broken since May 28 — restoration in flight

STP MTD

$141.8M

358 units · pipeline source (STALE — May 28)

Approved MTD

$46.0M

105 units · approval velocity (STALE — May 28)

CTC MTD

$9.3M

25 units · closing pipeline (STALE — May 28)

Active AEs

across 10 regions · 8 RM · 2 DM (STALE — May 28)

Hussam's Sales Organization — MTD Performance (as of May 28, 2026)

Click a region to expand AE list

Faizan JaliawalaAESTP 12 · $4.60MApp 3 · $0.83MCTC —Disb $2.92M

Ameer AboalnadieAESTP 8 · $3.60MApp 4 · $1.61MCTC 1 · $0.36MDisb 4 · $2.11M

Mahmoud AlmallahiAESTP 7 · $2.51M——Disb 8 · $2.76M

Hoda AshourAESTP 3 · $1.43M———

Abdullah IlahiAESTP 1 · $0.40MApp 2.25 · $0.71MCTC 1 · $0.31MDisb 3.25 · $0.98M

Mahamud GorodAESTP 1 · $0.65M——Disb 3 · $0.99M

Zain IqbalAE · newSTP 1 · $0.24M———

Region Subtotal33u · $13.4M9.25u · $3.15M2u · $0.67M25u · $9.77M

Nabil EidAESTP 12 · $4.00MApp 2 · $0.78M—Disb 8.5 · $2.99M

Samer TajeddinAESTP 8.25 · $3.49MApp 0.75 · $0.16M—Disb 2 · $0.51M

Ihab AltufailiAESTP 7.5 · $2.84MApp 3 · $1.21MCTC 1 · $0.17MDisb 1.75 · $0.37M

Shiraz MushtaqAE · newSTP 6 · $2.21M——Disb 2.75 · $0.88M

Siddiq HassanAESTP 2 · $0.85MApp 1 · $0.42M—Disb 1 · $0.42M

Khalil KhairAE————

Region Subtotal35.75u · $13.4M6.75u · $2.56M1u · $0.17M16u · $5.17M

Abdalrahman RamadanAESTP 6 · $1.04M——Disb 3 · $0.55M

Safira SharieffAESTP 5.5 · $1.35MApp 2 · $0.24M—Disb 3 · $1.16M

Emdadul HaqueAESTP 4 · $0.71M———

Hadia ArdoudAESTP 3 · $0.85MApp 2 · $1.16MCTC 1 · $0.61MDisb 3 · $0.57M

Tazim SiddiqueeAE · newSTP 3 · $0.65MApp 2 · $0.44M—Disb 5 · $1.66M

Region Subtotal21.5u · $4.6M6u · $1.84M1u · $0.61M14u · $3.93M

Saleh SiddiqueeAESTP 23 · $4.91MApp 3 · $1.14MCTC 1 · $0.19MDisb 8 · $1.36M

Nabil MaataouiAESTP 14 · $5.69MApp 5 · $2.57MCTC 3 · $1.58MDisb 3 · $1.06M

Fatima ElherzAESTP 11 · $5.50MApp 5 · $2.92MCTC 1 · $0.64MDisb 6 · $1.84M

Kazi ArzuniAESTP 6 · $2.65MApp 3 · $1.42M—Disb 4 · $1.44M

Abdellatif AitelfqihAESTP 5 · $2.65M——Disb 2 · $1.25M

Afifa MelouaneAE · newSTP 4 · $1.36MApp 1 · $0.50M——

Mohammed ChowdhuryAESTP 3 · $1.39MApp 1 · $0.94MCTC 1 · $0.94MDisb 2 · $0.78M

Adil SadiqueAE · newSTP 2 · $0.70MApp 1 · $0.55M——

Muhammad KhalidAE · newSTP 2 · $0.85M———

Shabana PatelAESTP 2 · $0.89MApp 1 · $0.35M—Disb 1 · $0.59M

Region Subtotal72u · $26.6M20u · $10.4M6u · $3.35M26u · $8.33M

Tarannum MoonAESTP 9 · $3.61MApp 2.75 · $0.50M—Disb 6.25 · $3.59M

Saara UsmanAESTP 7 · $2.86MApp 3 · $1.26M—Disb 4 · $1.13M

Daoud MoonAESTP 5 · $1.69MApp 3 · $1.25MCTC 1 · $0.09M—

Omar JasserAESTP 4.25 · $2.13MApp 3 · $1.53M—Disb 6 · $2.51M

Mohammad NajibAESTP 3 · $1.27M——Disb 1 · $0.44M

Sam StaaliAESTP 3 · $1.83MApp 1 · $0.48M—Disb 0.75 · $0.27M

Minhajul AzadAESTP 2 · $0.65MApp 1 · $0.25M—Disb 2 · $0.87M

Region Subtotal33.25u · $14.0M13.75u · $5.27M1u · $0.09M20u · $8.81M

Abu BaqibillahAESTP 4 · $2.34MApp 2 · $1.37M—Disb 3 · $1.28M

Ayesha AkhtarAE · newSTP 4 · $1.60MApp 3 · $0.95MCTC 1 · $0.38MDisb 2 · $1.14M

Ejaz AhmadAESTP 4 · $1.75M——Disb 1 · $0.45M

Taha AbdelRaheemAE · newSTP 3 · $1.07M——Disb 1 · $0.75M

Elmouataz GardamAE · newSTP 2 · $0.71M——Disb 1 · $0.90M

Muhammad SabriAESTP 2 · $0.44M———

Region Subtotal19u · $7.9M5u · $2.32M1u · $0.38M8u · $4.52M

Ekramul ChowdhuryAESTP 8 · $2.77MApp 0.25 · $0.03M—Disb 2.2 · $0.90M

Muhammad TariqAESTP 7.75 · $3.26M——Disb 2.25 · $0.58M

Zahra LabbarAESTP 7.5 · $2.67MApp 2.25 · $0.85MCTC 0.75 · $0.14MDisb 2.25 · $0.82M

Ahmed ElJishiAESTP 4.75 · $2.00M——Disb 2 · $0.83M

Shima AbdelwahedAESTP 4 · $2.02MApp 3 · $1.71M——

Mostafa BoulhannaAESTP 3.25 · $0.92MApp 1 · $0.35M—Disb 1 · $0.13M

Yasmine NoubaniAESTP 3.25 · $2.15MApp 1 · $0.45MCTC 1 · $0.45MDisb 1 · $0.07M

Ahmed RagabAESTP 3 · $0.95M——Disb 2 · $0.56M

Salah ElGhazzaliAESTP 2.75 · $0.79MApp 1.75 · $0.53MCTC 1.25 · $0.29MDisb 6.75 · $2.46M

Region Subtotal45.25u · $17.7M9.25u · $3.91M3u · $0.89M20.25u · $6.71M

Babar NiaziAESTP 5.75 · $1.83MApp 5 · $1.41MCTC 1 · $0.20MDisb 6.25 · $2.92M

Motasem AbdulrahmanAESTP 5.75 · $3.12MApp 4 · $1.42M—Disb 4 · $1.38M

Fadi AwadallahAESTP 3 · $1.17MApp 1 · $0.39M—Disb 2 · $0.74M

Wesam AbdelHameedAESTP 3 · $1.14MApp 1 · $0.41MCTC 1 · $0.41MDisb 3 · $1.51M

Ruhaama MahmoodAESTP 2.25 · $1.20MApp 2 · $1.01MCTC 0.75 · $0.47MDisb 0.5 · $0.15M

Zalkifl ZahirAE · newSTP 2.25 · $0.89MApp 0.75 · $0.12MCTC 0.75 · $0.12MDisb 1.25 · $0.61M

Javed IqbalAESTP 2 · $0.72M——Disb 1.25 · $0.52M

Sajid KhanAESTP 2 · $0.43MApp 0.25 · $0.05MCTC 1.25 · $0.38MDisb 5.75 · $1.96M

Obayed RahamanAESTP 1.75 · $0.58MApp 2.75 · $0.81MCTC 2 · $0.53MDisb 1 · $0.22M

Mohammed SalamAESTP 1 · $0.23MApp 2 · $0.79M——

Samar MourtadaAESTP 1 · $0.47MApp 1 · $0.47M——

Sidy DialloAESTP 0.25 · $0.05MApp 0.25 · $0.05MCTC 0.25 · $0.05MDisb 1.25 · $0.61M

Region Subtotal30u · $11.8M20u · $6.94M7u · $2.15M26.25u · $10.6M

Taher RasheedAESTP 10 · $3.73MApp 3 · $1.83MCTC 1 · $0.11MDisb 10 · $4.39M

Hassan KhokharAESTP 9.25 · $3.11MApp 2 · $1.04M—Disb 5 · $1.35M

Mahmoud AwadallahAESTP 5.5 · $2.21MApp 1.75 · $1.16M—Disb 8.5 · $4.80M

Suraga BabikerAESTP 4.25 · $1.30M——Disb 5 · $1.75M

Papa DiengAESTP 3 · $1.60MApp 1.25 · $0.56MCTC 1 · $0.44MDisb 1.25 · $0.34M

Asad KhanAESTP 0.25 · $0.15M———

Region Subtotal32.25u · $12.1M8u · $4.59M2u · $0.55M29.75u · $12.6M

Moomtaz AshrafiAESTP 16 · $9.00MApp 2 · $1.35MCTC 1 · $0.43MDisb 9 · $6.05M

Abdisa TufaAESTP 11.2 · $6.70MApp 2 · $1.37M—Disb 7.25 · $4.78M

Hany IbrahimAESTP 6.75 · $3.35M———

Saad AlameddinAESTP 2 · $0.71MApp 1 · $0.87M—Disb 1 · $1.24M

Hashmat AhmedAE · newSTP 1 · $0.55MApp 1 · $0.55M——

Umran MokabberAESTP 0.25 · $0.10M——Disb 5 · $3.48M

Aasim IkramullahAE———Disb 0.5 · $0.26M

Ameer JalalAE—App 1 · $0.83M——

Jamal ElhablyAE———Disb 2 · $0.87M

Region Subtotal38u · $20.9M7u · $4.97M1u · $0.43M24.75u · $16.7M

Grand Total — All Regions (MTD May 28, 2026)

STP: 358u · $141.8M | Approved: 105u · $46.0M | CTC: 25u · $9.3M | Disbursement: 210u · $87.2M | WAC: 6.63%

Top Producer · MTD

By Pipeline $: Moomtaz Ashrafi (R11) — 16 STP / $9.00M, 9 Disbursed / $6.05M.
By Pipeline Units: Saleh Siddiquee (R4) — 23 STP / $4.91M, 8 Disbursed / $1.36M.

Top Region · MTD

By Pipeline: R4 (Sami Kabir) — 72 STP / $26.6M · 20 Approved · 6 CTC — deepest pipeline + strongest approval velocity.
By Closings: R11 (Munther Qtaish) — 24.75 Disb / $16.7M · 2.0× R4 on disbursement dollars.

Origination Operations

Owner — Ops · Refresh: Daily Ops Sales Productivity Report · daily UW board

Live

STP→Disbursed · Avg (org-wide)

38.2 days

Was mislabeled "Lock-to-Close" — see DL-28 (STALE — May 28)

Originated → STP MTD

40 / 33

Region 1 example · 83% conversion (STALE — May 28)

STP → Disbursed Days

42.3 days

R1 avg · target <35 (STALE — May 28)

UW Decline Rate

Tracking

Marcus to wire (STALE — May 28)

CTC Velocity (5-28)

25 units

$9.3M ready to close · MTD (STALE — May 28)

Capacity Utilization

Marcus

Pending data wire

Action Item — STP→Disbursed at 38.2 Days (org-wide)

27% over <30-day target. R11 best at 27.3 days · R9 second at 28.8 · R3 mid-pack at 39.4 · R5 worst at 49.25 (range 42-67). Replicate R11 (Munther Qtaish) playbook org-wide, NOT R3. Per DL-28: prior "R3 best 23-26" claim was based on a single AE pairing, not regional avg.

Mortgage Servicing

Owner — Servicing · Refresh: monthly UPB roll · daily collection

Live

UPB · EOY 26 Target

$5.30B

UPB EOY · Reforecast Jun 18

Servicing Fee Income

Tracking

Monthly recurring

Delinquency · 30+

0.72%

30+ DQ · UPB EOY $5.30B · Reforecast Jun 18

Customer Retention

High

Faith-aligned client base

Prepayment Speed

Marcus

Pending data wire

Investor Reporting

Marcus

Pending data wire

Guidance Home Services

Owner — GHS leadership · Refresh: monthly P&L · GR cross-sell funnel

Build

Referral Fee · On Volume

62 bps

Avg revenue per closing

Closed Transactions YTD

pending

GHS CRM feed pending — ETA Q3

Cross-Sell Conversion

~12%

GR customer → GHS RE agent

Active Markets

Multi

Top 12 Muslim metros

Avg Commission · Per Deal

Pending

GHS to wire

Agent Network Size

Pending

GHS to wire

Guidance Investments

Owner — Nick Minardi · Refresh: weekly AUM snapshot (Monday) · monthly fund NAV

Live

AUM · Current

$60.0M

FY26 Reforecast EOY · was $104M plan

AUM · FY26 Target

$60M

Mortgage REIT ramp

Yield · Target

≥ MMF rate

Plus 5-7 day liquidity

Investor Count

Growing

Weekly add cadence

Sharia Compliance

SSB approved

Annual review

Liquidity Promise

5–7 days

Full access to capital

Marketing

Owner — CMO · Refresh: campaign performance weekly · brand metrics monthly

Live

FY26 Signature Campaign

25th Anniversary

Anchor: 25 Years of Sharia Excellence

Lead Volume MTD

Tracking

Per channel · per region (STALE — May 28)

Cost per Lead

Tracking

Channel-weighted blend (STALE — May 28)

Brand Search Trend

↑

YoY brand impressions (STALE — May 28)

Event Calendar · Active

25th Year

Regional + national milestones (STALE — May 28)

CMO Search Status

Open req

Retained search engaged

Online PQ Funnel

SEM Spend → PQ Generation → Call Center (Pakistan) → AE Handoff → Conversion

Source: Daily Online PQ Transaction Report (IT_HelpDesk) · SEM finance feed · AMB conversion

PQs Generated · MTD

—

Source never delivered — see CTO escalation 2026-06-23

SEM Spend · MTD

—

Source never delivered — see CTO escalation 2026-06-23

Cost per PQ

—

Source never delivered — see CTO escalation 2026-06-23

Call Center Connect

—

Source never delivered — see CTO escalation 2026-06-23

AE Assignment Rate

—

Source never delivered — see CTO escalation 2026-06-23

PQ → Application

—

Source never delivered — see CTO escalation 2026-06-23

PQ → Lock

—

Source never delivered — see CTO escalation 2026-06-23

Cost per Funded Loan

—

Source never delivered — see CTO escalation 2026-06-23

The 8 Pillars at a Glance — Wed Jun 3, 2026

Data Sources · Refresh Cadence