MSR Value Growth & Market Trends

6 | SUMMARY 3Q'21 FINANCIAL RESULTS $ mm's, except per share data Servicing Originations Corporate debt interest expense Corporate expense/other Pretax operating income from continuing operations (1) Other mark-to-market Loss on redemption of unsecured senior notes Gain from Title365 sale Discontinued operations Adjustments Intangible amortization Pretax income Income tax expense Net income Weighted average diluted sharecount Diluted EPS (2) GAAP ROTCE Operating ROTCE (1) (3) 3Q'21 $44 273 (30) (24) $263 153 (15) 1 (3) $399 (100) $299 82.1 $3.29 37.8% 25.2% (1) Please see appendix for reconciliations of non-GAAP items (2) Per share data calculated based on net income (loss) attributable to common shareholders (3) Assumes GAAP tax-rate of 24.2% and does not give credit to cash flow benefits of the DTA 2Q¹21 $80 213 (30) (36) $227 (135) 485 16 (7) (3) $583 (144) $439 89.6 $4.85 58.9% 23.1% 3Q'20 ($62) 438 (44) (19) $313 (4) (53) 35 (1) (9) $281 (67) $214 95.0 $2.18 41.2% 45.7% $273 million in Originations pretax operating income (1) included $20 million impact of adverse fee removal Servicing pretax operating income (1) benefitted from $131 million in EBOS • We are no longer reporting Xome as a separate segment but instead including results in Corporate/other ● • $153 million other mark-to-market from higher interest rates at quarter-end ● • Discontinued operations includes Reverse, which is on schedule to close in December Adjustments include $7 million gain from the sale of Valuations, $4 million in transaction-related costs associated with Title365 sale, and $2 million in charges in Originations related to corporate actions Mr. CooperGroup

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