Ready Capital Investor Presentation Deck

Residential Mortgage Banking Overview 1. GMFS, founded in 1999, has a leading Southeast market share and acquired via the ZFC merger in 2016 Licensed in 18 states, approved FNMA and FHLMC seller-servicer, GNMA issuer, HUD / FHA / USDA originator and VA lender GMFS provides a wide range of residential mortgage services, including home purchase financing, refinancing and other mortgage products Operates through 15 retail branches located in Louisiana, Georgia, Mississippi, Alabama, Florida, and South Carolina Servicing retained model provides natural hedge to production Year to Date GMFS Originations of $449.7 million ¹ As of April 30, 2023 READY CAPITAL. 21

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