Ready Capital Investor Presentation Deck

Servicing Asset HISTORICAL RETENTION RATES EXCEEDING 15% $12,000 $10,000 $8,000 $6,000 $4,000 $2,000 $0 3.9% $4,175 2015 3.8% $5,483 2016 3.9% $6,558 2017 4.1% $7,467 2018 UPB 4.1% $8,165 2019 WAC 3.7% $9,529 2020 $10,996 3.4% 2021 $12,078 $12,156 3.6% 3.6% READY CAPITAL. 2022 2023 5.00% 4.00% 3.00% 2.00% 1.00% 0.00% 23

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