According to the latest filing submitted to the U.S. Securities and Exchange Commission (SEC), Optimumfunding, a lending platform under Home Bancorp, has announced the expansion of its loan product line to include bridge loans and Federal Housing Administration (FHA) loans.

This move aims to meet the funding needs of borrowers at different stages by introducing more flexible financing solutions. Bridge loans will primarily target real estate investors who require short-term capital turnover, while FHA loans, characterized by low down payments and relaxed credit requirements, will focus on serving first-time homebuyers and low- to middle-income groups. The coordinated launch of these two products is expected to further expand HeYi Bank's coverage in the housing credit market. This business expansion reflects HeYi Bank Holdings' intention to enhance its market competitiveness through a diversified credit strategy. Market analysis suggests that, in the current environment of interest rate fluctuations, the combination of bridge loans and government-backed loans may become a new path for small and medium-sized banks to improve asset returns.