Home Point Capital : Investor Presentation (November 2021)

Investor Presentation

November 2021

Forward-Looking Statements

This presentation contains certain "forward-looking statements," as that term is defined in the U.S. federal securities laws, including the Private Securities Litigation Reform Act of 1995. In addition, from time to time, Home Point Capital Inc. ("we," "our," "us" or the "Company") or its representatives have made, or may make, forward-looking statements orally or in writing. These forward-looking statements include, but are not limited to, statements other than statements of historical facts, including among others, statements relating to the Company's future financial performance, the Company's business prospects and strategy, anticipated financial position, liquidity and capital needs, the industry in which the Company operates and other similar matters. Words such as "anticipates," "expects," "intends," "plans," "predicts," "believes," "seeks," "estimates," "could," "would," "will," "may," "can," "continue," "potential," "should" and the negative of these terms or other comparable terminology often identify forward-looking statements. These forward-looking statements, which are based on currently available information, operating plans, and projections about events and trends, are not guarantees of future performance and are subject to risks and uncertainties that could cause actual results to differ materially from the results contemplated by the forward-looking statements. Factors, risks, and uncertainties that could cause actual outcomes and results to be materially different from those contemplated by forward-looking statements include, among others: our reliance on our financing arrangements to fund mortgage loans and otherwise operate our business; the dependence of our loan origination and servicing revenues on macroeconomic and U.S. residential real estate market conditions; counterparty risk; the requirement to make servicing advances that can be subject to delays in recovery or may not be recoverable in certain circumstances; competition for mortgage assets that may limit the availability of desirable originations, acquisitions and result in reduced risk-adjusted returns; our ability to continue to grow our loan origination business or effectively manage significant increases in our loan production volume; competition in the industry in which we operate; our success and growth of our production and servicing activities and the dependence upon our ability to adapt to and implement technological changes; the effectiveness of our risk management efforts; our ability to detect misconduct and fraud; any cybersecurity risks, cyber incidents and technology failures; our vendor relationships; our failure to deal appropriately with various issues that may give rise to reputational risk, including legal and regulatory requirements; risks and uncertainties associated with litigation, including any employment, intellectual property, consumer protection, class action and other litigation matters, and related unfavorable publicity; exposure to new risks and increased costs as a result of initiating new business activities or strategies or significantly expanding existing business activities or strategies; the impact of changes in political or economic stability or in government policies on our material vendors with operations in India; the impact of interest rate fluctuations; risks associated with hedging against interest rate exposure; the impact of any prolonged economic slowdown, recession or declining real estate values; risks associated with financing our assets with borrowings; risks associated with a decrease in value of our collateral; the dependence of our operations on access to our financing arrangements; risks associated with the financial and restrictive covenants included in our financing agreements; risks associated with higher risk loans that we service; risks associated with derivative financial instruments; our ability to foreclose on our mortgage assets in a timely manner or at all; our ability to obtain and/or maintain licenses and other approvals in those jurisdictions where required to conduct our business; legislative and regulatory changes that impact the mortgage loan industry or housing market; changes in regulations or the occurrence of other events that impact the business, operations or prospects of government agencies or such changes that increase the cost of doing business with such entities; and the spread of the COVID-19 outbreak and severe disruptions in the U.S. and global economy and financial markets it has caused. You should carefully consider the foregoing factors and the other risks and uncertainties that may affect the Company's business, including those described in documents filed from time to time by the Company with the Securities and Exchange Commission. Many of the important factors that will determine these results are beyond our ability to control or predict. You are cautioned not to put undue reliance on any forward-looking statements, which speak only as of the date thereof. Except as required under applicable law, the Company does not assume any obligation to update these forward-looking statements.

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Home Point Capital at a Glance

One of the largest U.S. residential	Founded in 2015; completed
mortgage originators and servicers	IPO in February 2021 (Nasdaq: HMPT)

Primary emphasis on large and growing	Differentiated business model focused on
third-party origination market	optimizing lifetime customer value

Headquartered in Ann Arbor, Michigan;

~3,500 associates

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1. Different, Better Kind of Mortgage Company

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Platform designed to capitalize on growing third-partyorigination market with a focus on scalability and partner experience

Balanced, capital-efficient business model allows for growth in a variety of interest rate environments

Technology and process-focused strategy drives ability for further scale and efficiency, while producing high quality loans

Comprehensive servicing and customer retention approach seeks to maximize lifetime value of

customer

Home Point's principles and stakes guide the

interactions with all our stakeholders - customers, associates, partners and shareholders

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Home Point Capital by the Numbers

#7	$100bn	#3	10%
Non-Bank	LTM Q3 2021 Funded	Wholesale	Q2'2021 Wholesale
Mortgage Originator1	Origination Volume	Lender1	Channel Market Share2

~429k	~8,100	$1.2bn	$331mm
Servicing	Third-Party	LTM Q3 2021	LTM Q3 2021
Customers3	Origination Relationships4	Total Revenue, Net5	Net Income5

1. Source: Inside Mortgage Finance. As of June 30, 2021.
2. Wholesale channel share calculated as Home Point Capital's wholesale originations dollar value divided by the total wholesale originations in the United States per Inside Mortgage Finance.
3. As of September 30, 2021.

(4)	Includes correspondent and broker partners combined. As of September 30, 2021.	5
(5)	Last twelve months for the period ended September 30th. Third quarter 2021 LTM information is derived from a numerical calculation of our fiscal year 2020 financial information plus first

nine months 2021 financial information less first nine months 2020 financial information. Home Point Capital does not prepare or present separate LTM financial statements.