Home loans can include fixed loans, Federal Housing Administration loans, United States Department of Agriculture loans, jumbo loans, and reverse mortgage loans. Most nonbank mortgage lenders offer consumers two major services: home loans and loan refinancing.

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Because nonbanks operate without full banking licenses, they don't have to adhere to as many regulations as legacy banks, resulting in faster loan approvals and more flexible rates. Nonbank mortgage lenders offer similar services to those of traditional institutions but with lower down payments and fewer financial criteria. These factors can impact the availability of credit, loan terms, and overall market conditions for borrowers. The US home loan market is influenced by a wide range of factors, including economic conditions, interest rates, housing market trends, government policies, and regulatory changes. Borrowers have the option to choose between fixed-rate mortgages, where the interest rate remains constant over the loan term, or adjustable-rate mortgages (ARMs), where the interest rate can change periodically. Mortgage rates in the US home loan market fluctuate based on various factors, including economic conditions, inflation, and market forces. The US government plays a significant role in the home loan market through various programs and agencies. The home loan market in the USA is one of the largest in the world, reflecting the country's high rate of homeownership. It plays a crucial role in facilitating homeownership by providing individuals and families with the funds necessary to purchase residential properties.

The home loan market in the USA is a significant component of the overall mortgage industry.

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With an abundance of volume and thick margins, mortgage lenders were a pleased lot, and, if anything, the only real worry for them was how to scale up operations to meet the large volumes coming in. The mortgage industry in 2020 saw record low-interest rates, and this fueled the refinance boom as millions of homeowners were able to save significantly on their monthly payments. The COVID-19 pandemic caused significant upheavals across all sectors of the economy, and although one would have expected the mortgage industry to suffer, too, in reality, it was quite the opposite. For the avoidance of doubt, CUMA is not intended to be the same as (and is calculated differently as compared to) Antares Capital Advisers LLC’s regulatory assets under management, as reported under Item 5.F on Part 1 of Form ADV.The USA Home Loan Market is valued at USD 4,400 billion and is expected to register a CAGR of 18% during the forecasted period. Contract investor programs are not advised clients of Antares Capital Advisers LLC and are either self-directed or managed by a third party. Please contact Antares if you have any questions. For purposes of the foregoing clause (i), the maximum leverage limit included herein may be different from the actual amount of leverage applied in the case of any given account.

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$ 64 B + Capital Under Management & Administration As of June 30, 2023, Capital Under Management and Administration (“CUMA”) is defined as the sum of, without duplication (i) for actively investing advised accounts (i.e., funds and separately managed accounts) and contract investor programs, the total equity commitments and, with respect to such actively investing advised accounts, maximum leverage limits per the limited partnership agreement or other governing document of such accounts as of June 30, 2023, plus (ii) for advised accounts or contract investor programs that are no longer investing, without duplication, total outstanding principal balance of loans and loan commitments held by such vehicles as of June 30, 2023, plus (iii) for advised CLOs that are not consolidated on the Antares balance sheet, the sum of total outstanding principal balance of loans and loan commitments held thereby for investment, including cash, restricted cash and cash equivalents, as of June 30, 2023, plus (iv) for the consolidated Antares balance sheet (inclusive of CLOs that are consolidated within the Antares balance sheet), the sum of total outstanding principal balance of loans and loan commitments held thereby for investment, including investment securities (i.e., equity tags), cash, restricted cash and cash equivalents, as of June 30, 2023.