Investor Presentaiton

Q3 2023 OUTLOOK Metric Low High Pull-through Weighted $5.5 $7.5 Rate Lock Volume ($bn) Origination Volume ($bn) $5.0 $7.0 Pull-through Weighted GOS Margin, bps 245 285 Q3 2023 outlook reflects current interest rate environment, seasonality, and competitive pressures . . Current Market Conditions Higher interest rates adversely impacts home affordability Limited supply of new and resale homes adversely impacts homebuying activity • Homeowner equity levels drives demand for cash-out refinance and HELOC products Higher interest rates resulting in little incentive for rate and term refinance Sharper focus on industry consolidation, driven primarily by headcount reductions and competitor exits to shed excess capacity given lower industry volume expectations 11 п loanDepot

View entire presentation