Ready Capital Investor Presentation Deck

Residential Mortgage Banking QUARTERLY ORIGINATIONS UPB $875.8M 46% Production by Purpose 54% ■ Purchased ■ Refinanced QUARTERLY SALES UPB $921.7M 21% 3% Sales by Investor 76% ■ Fannie/Freddie Ginnie Mae ■ Other $10 $8 $6 MSR PORTFOLIO UPDATE ($ in billions) $12 $4 $2 $0 3.7% $9.5 18% 37% Q4'20 Production 45% by Platform ■ Retail Correspondent Wholesale 3.6% 3.5% ITTH $10.7 $10.4 $9.9 Q1'21 READY CAPITAL. Q2'21 UPB — 3.4% Q3'21 WAC 3.4% $11.0 Q4'21 4.0% 3.5% 3.0% 2.5% 2.0% 23

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