Residential Mortgage Banking Overview

Revenue Trends 140,000 120,000 100,000 80,000 READY CAPITAL. Diverse & re-occurring revenue from stabilized net interest and servicing revenue with alpha from gain on sale operations 60,000 40,000 20,000 Q419 Q120 Q220 Q320 Q420 Q121 Q221 Q321 Q421 Q122 Q222 Q322 Q422 Q123 Q223 Q323 ■Servicing ■NIM ■Gain on Sale ■Mortgage Banking Other Current WA Servicing Fee: 33bps Current WAC: 9.1% 29 29

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