Residential Mortgage Banking Overview

Financial Flexibility UNENCUMBERED ASSET POOL 14% 9% 9% 10% $1.8B Total Unencumbered Assets 36% 22% ■ Unrestricted cash ■ Servicing rights ■ Securities ■ REO ■ Loans ■ Other Assets CORPORATE DEBT MATURITY PROFILE ($ in millions) $800 $600 $400 $200 $761 .I.. $120 $0 2023 2024 2025 2026 $100 2027 $146 2028 and beyond HIGHLIGHTS READY CAPITAL. Diversified unencumbered asset pool of $1.8 billion, including $182 million of unrestricted cash • 2.3x unencumbered assets to unsecured debt • $4 billion in available warehouse borrowing capacity across 19 counterparties • Limited usage of securities repo financing at 4.0% of total debt Full mark to market liabilities and credit mark to market liabilities represent 18% of total debt . 89% of corporate debt maturities in 2026 or later 27 27

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