WHERT 2025-1 · Report 9

Monthly distribution report, March 16, 2026

Collection period February 1, 2026 to February 28, 2026. Payment date March 16, 2026.

Pool
ItemAmount
Beginning pool balance$335,136,468.75
Scheduled payments (principal portion)-$7,393,102.63
Prepayments and buyouts-$525,185.38
Defaulted contracts-$21,089.01
Ending pool balance$327,197,091.73
Pool factor0.7934270
Contracts outstanding3,548
Weighted average remaining term34.34 months
Collections and fees
ItemAmount
Total collections$10,287,008.52
of which Utilization Pricing above minimums$333,820.56
Recoveries on defaulted contracts$10,117.12
Servicing fee$279,280.39
Trustee and backup servicer fees$2,916.67
Released to the depositor$1,397,643.51
Notes
ClassBeginning balanceInterest paidPrincipal paidEnding balanceNote factor
Class A-1$1,048,528.89$3,905.77$1,048,528.89$0.000.0000000
Class A-2$142,300,000.00$558,527.50$6,283,485.79$136,016,514.210.9558434
Class A-3$108,150,000.00$439,810.00$0.00$108,150,000.001.0000000
Class B$24,600,000.00$106,805.00$0.00$24,600,000.001.0000000
Class C$18,400,000.00$86,480.00$0.00$18,400,000.001.0000000
Class D$15,000,000.00$79,625.00$0.00$15,000,000.001.0000000
Total$309,498,528.89$1,275,153.27$7,332,014.68$302,166,514.21
Delinquency, share of ending pool balance
Days past dueShare
31 to 600.86%
61 to 900.18%
91 to 1200.10%
More than 1200.02%
Total more than 600.30%
Credit enhancement and losses
ItemAmount
Overcollateralization$25,030,577.52
as a share of the pool7.65%
Reserve account balance$4,123,846.17
Cumulative net losses$376,433.58
Cumulative net loss ratio0.091%
Enrolled assets in service hold at period end0

Collection account: Fenwright Trust Company, N.A., for the benefit of the noteholders, account ending 5129. Reserve account: same, ending 5136.

Prepared by Wardmore Health Capital, LLC, as servicer, under the sale and servicing agreement dated as of June 18, 2025. The servicer certifies that, to its knowledge, this report is accurate in all material respects. Figures are unaudited. Questions: investor.reporting@wardmorehealth.com.