Residential Mortgage Banking Overview

Servicing Asset HISTORICAL RETENTION RATES EXCEEDING 15% READY CAPITAL. 5.00% $12,000 4.1% 4.1% $12,078 $12,341 3.9% 3.8% 3.9% 3.7% 3.8% $10,996 4.00% $10,000 3.6% 3.4% $9,529 $8,000 3.00% $8,165 $7,467 $6,000 $6,558 2.00% $5,483 $4,000 $4,175 1.00% $2,000 $0 0.00% 2015 2016 2017 2018 2019 2020 2021 2022 2023 UPB WAC 23 23

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