Ready Capital Corp

A review and evaluation was performed by the Company’s management, including the Company’s Chief Executive

Officer and Chief Financial Officer, of the effectiveness of the design and operation of the Company’s disclosure

controls and procedures (as such term is defined in Rules 13a-15(e) and 15d-15(e) under the Exchange Act), as of the

end of the period covered by this Form 10-K. Based on that review and evaluation, the Chief Executive Officer and

Chief Financial Officer have concluded that the Company’s current disclosure controls and procedures, as designed and

implemented, were effective. Notwithstanding the foregoing, a control system, no matter how well designed and

operated, can provide only reasonable, not absolute, assurance that it will detect or uncover failures within the Company

to disclose material information otherwise required to be set forth in the Company’s periodic reports.

Management of the Company is responsible for establishing and maintaining adequate internal control over financial

reporting for the Company. Internal control over financial reporting is defined in Rules 13a-15(f) and 15d-15(f)

promulgated under the Securities Exchange Act of 1934, as amended (the “Exchange Act”) as a process designed by, or

under the supervision of, the Company’s principal executive and principal financial officers and effected by the

Company’s board of directors, management and other personnel to provide reasonable assurance regarding the reliability

of financial reporting and the preparation of financial statements for external purposes in accordance with U.S. GAAP

and includes those policies and procedures that:

•pertain to the maintenance of records that in reasonable detail accurately and fairly reflect the transactions and

dispositions of the assets of the Company;

•provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial

statements in accordance with U.S. GAAP, and that receipts and expenditures of the Company are being made

only in accordance with authorizations of management and directors of the Company; and

•provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use or

disposition of the Company’s assets that could have a material effect on the financial statements.

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements.

Projections of any evaluation of effectiveness to future periods are subject to the risks that controls may become

inadequate because of changes in conditions or that the degree of compliance with the policies or procedures may

deteriorate.

The Company’s management assessed the effectiveness of the Company’s internal control over financial reporting as of

December 31, 2025. In making this assessment, the Company’s management used criteria set forth by the 2013

Committee of Sponsoring Organizations of the Treadway Commission in Internal Control-Integrated Framework.

Based on its assessment, the Company’s management believes that, as of December 31, 2025, the Company’s internal

control over financial reporting was effective based on those criteria.

Changes in Internal Control over Financial Reporting

There have been no changes to the Company’s internal control over financial reporting as defined in Exchange Act Rule

13a-15(f) during the quarter ended December 31, 2025 that has materially affected, or is reasonably likely to materially

affect, the Company’s internal control over financial reporting.

Our company’s independent registered public accounting firm, Deloitte & Touche LLP, has issued an attestation report

on the effectiveness of our company’s internal control over financial reporting. Management’s Report on Internal

Control over Financial Reporting and the Report of Independent Registered Public Accounting Firm are set forth in Part

II, Item 8 of this Form 10-K.

Item 9B. Other Information