Residential Mortgage Banking Overview

SBC Market READY CAPITAL. SBC loans are 1 st liens on either investor or owner occupied commercial real estate assets Typically, property appraised values of <$10M and <50,000 square feet TOTAL SMALL-CAP COMMERICAL MARKET VALUE COMMERCIAL/MULTIFAMILY LOAN ORIGINATION TREND Q4 2022 Total Market Value Estimate: $3.5 Trillion $600B $500B $0.9 Retail Industrial $400B $1.4 Office $300B $0.7 Multifamily $200B $0.5 $100B $0 Source: Boxwood Means, LLC; CoStar 2019 Source: Mortgage Bankers Association ● Commercial Multifamily 2020 2021 2022 8

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