Residential Mortgage Banking Overview

SBC Investment by Platform 21.3% 10-year CAGR Current 0.3% SBC market share with 1.5% 3-year target HISTORICAL INVESTMENT ACTIVITY1 $5,000 $4,000 $3,000 $2,000 $1,537 $1,000 $862 $588 $140 $98 $0 Pre-2016(2) 2016 $868 $372 $1,188 $863 $1,738 $1,160 $5,272 READY CAPITAL. $4,520 $660 $213 $197 2017 2018 2019 2020 2021 2022 ■Acquisitions ■Originations 1. In millions 23 2. SBC Acquisitions began in 2008; Originations began in 2013 3. As of October 31, 2023 $1,418 $0 2023 YTD(3) 110

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