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  <xsd:element name="OffsettingAssetsAndLiabilitiesTextBlock" id="rc_OffsettingAssetsAndLiabilitiesTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherIncomeAndOperatingExpensesDisclosureTextBlock" id="rc_OtherIncomeAndOperatingExpensesDisclosureTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfOtherIncomeAndOperatingExpensesTableTextBlock" id="rc_ScheduleOfOtherIncomeAndOperatingExpensesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansHeldForSaleMember" id="rc_LoansHeldForSaleMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueServicingExpense" id="rc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueServicingExpense" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ManagementFeeMember" id="rc_ManagementFeeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IncentiveFeeMember" id="rc_IncentiveFeeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ExpenseReimbursementMember" id="rc_ExpenseReimbursementMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SutherlandPartnersLpMember" id="rc_SutherlandPartnersLpMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ReadycapHoldingsLlcMember" id="rc_ReadycapHoldingsLlcMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SbaGuaranteedLoansMember" id="rc_SbaGuaranteedLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ChildDayCareServicesMember" id="rc_ChildDayCareServicesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="VeterinaryServicesMember" id="rc_VeterinaryServicesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DiningMember" id="rc_DiningMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PhysicianOfficesMember" id="rc_PhysicianOfficesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="GroceryStoreMember" id="rc_GroceryStoreMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="GasolineServiceStationsMember" id="rc_GasolineServiceStationsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherBusinessesMember" id="rc_OtherBusinessesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="HeldToMaturitySecuritiesDebtSecuritiesInterestRateAbstract" id="rc_HeldToMaturitySecuritiesDebtSecuritiesInterestRateAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ForeclosureMember" id="rc_ForeclosureMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivableModificationsModificationsIncludingFinancialEffects" id="rc_FinancingReceivableModificationsModificationsIncludingFinancialEffects" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfInformationOnSecuritizedDebtObligationsTableTextBlock" id="rc_ScheduleOfInformationOnSecuritizedDebtObligationsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RelatedPartyTransactionIndependentDirectorVotesRequiredForApprovalPercentage" id="rc_RelatedPartyTransactionIndependentDirectorVotesRequiredForApprovalPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NumberOfTaxableYearsUnableToQualifyAsRealEstateInvestmentTrustAfterQualificationLapse" id="rc_NumberOfTaxableYearsUnableToQualifyAsRealEstateInvestmentTrustAfterQualificationLapse" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NondeductibleExciseTaxRate" id="rc_NondeductibleExciseTaxRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RestrictedCashMember" id="rc_RestrictedCashMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MortgageBackedSecuritiesPolicyTextBlock" id="rc_MortgageBackedSecuritiesPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DueFromServicersPolicyTextBlock" id="rc_DueFromServicersPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RepairAndDenialReservePolicyTextBlock" id="rc_RepairAndDenialReservePolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansAndLeasesReceivableSecuritizedDebtObligationsPolicyPolicy" id="rc_LoansAndLeasesReceivableSecuritizedDebtObligationsPolicyPolicy" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinanceLoanAndLeaseReceivablesHeldPolicyPolicyTextBlock" id="rc_FinanceLoanAndLeaseReceivablesHeldPolicyPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ConcentrationRiskPercentageSbaLoans" id="rc_ConcentrationRiskPercentageSbaLoans" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RelatedPartyTransactionMinimumCoreEarningsThreshold" id="rc_RelatedPartyTransactionMinimumCoreEarningsThreshold" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="RelatedPartyTransactionPeriodForMinimumCoreEarningsThresholdMeasurement" id="rc_RelatedPartyTransactionPeriodForMinimumCoreEarningsThresholdMeasurement" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PaymentsForOriginationOfLoansHeldForSaleAtFairValue" id="rc_PaymentsForOriginationOfLoansHeldForSaleAtFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="TroubledDebtRestructuringsOnFinancingReceivablesModificationsTableTextBlock" id="rc_TroubledDebtRestructuringsOnFinancingReceivablesModificationsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSalesAndSettlements" id="rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSalesAndSettlements" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="LoansEligibleForRepurchaseFromAgency" id="rc_LoansEligibleForRepurchaseFromAgency" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="ServicingRightsAmortizationExpenseYearOne" id="rc_ServicingRightsAmortizationExpenseYearOne" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="ResidentialMortgageBankingMember" id="rc_ResidentialMortgageBankingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedRestrictedCash" id="rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedRestrictedCash" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSaleAtFairValue" id="rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSaleAtFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageBackedSecuritiesAtFairValue" id="rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageBackedSecuritiesAtFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesAccountsPayableAndOtherLiabilities" id="rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesAccountsPayableAndOtherLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="ResidentialMortgageServicingRightsAtFairValue" id="rc_ResidentialMortgageServicingRightsAtFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="LiabilityForLoansEligibleForRepurchase" id="rc_LiabilityForLoansEligibleForRepurchase" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="ReadyCapCommercialMortgageTrustThreeMember" id="rc_ReadyCapCommercialMortgageTrustThreeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="StockIssuedDuringPeriodValueConversionOfUnitsPursuantToReverseMerger" id="rc_StockIssuedDuringPeriodValueConversionOfUnitsPursuantToReverseMerger" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="NumberOfClassesOfServicingAssetsUsedForRiskManagementPurposes" id="rc_NumberOfClassesOfServicingAssetsUsedForRiskManagementPurposes" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ShareholderCategoryAxis" id="rc_ShareholderCategoryAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NameOfShareholderDomain" id="rc_NameOfShareholderDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="JpMorganMember" id="rc_JpMorganMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="KeybankMember" id="rc_KeybankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ComericaMember" id="rc_ComericaMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AssociatedBankMember" id="rc_AssociatedBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ResidentialMortgageServicingRightsMember" id="rc_ResidentialMortgageServicingRightsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DueFromServicers" id="rc_DueFromServicers" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="DueFromThirdParties" id="rc_DueFromThirdParties" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="LoanIndemnificationReserve" id="rc_LoanIndemnificationReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="FavorableLeaseMember" id="rc_FavorableLeaseMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SbaLicenseMember" id="rc_SbaLicenseMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SbcLoanMember" id="rc_SbcLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ServicingAssetAtFairValueChangesInFairValueResultingFromUnrealizedGains" id="rc_ServicingAssetAtFairValueChangesInFairValueResultingFromUnrealizedGains" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="RelatedPartyTransactionIncentiveFeePaid" id="rc_RelatedPartyTransactionIncentiveFeePaid" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="AmortizationOfFinancingCostsAndIntangibleAssets" id="rc_AmortizationOfFinancingCostsAndIntangibleAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="AssetsExcludingAssetsOfDiscontinuedOperations" id="rc_AssetsExcludingAssetsOfDiscontinuedOperations" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="ScheduleOfCarryingValueAndFairValueAssetsAndLiabilitiesNotCarriedAtFairValueTableTextBlock" id="rc_ScheduleOfCarryingValueAndFairValueAssetsAndLiabilitiesNotCarriedAtFairValueTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DerivativeAssetFairValueAsset" id="rc_DerivativeAssetFairValueAsset" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="IncreaseDecreaseInAssetsOfConsolidatedViesAccruedInterestAndDueFromServicers" id="rc_IncreaseDecreaseInAssetsOfConsolidatedViesAccruedInterestAndDueFromServicers" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="VariableInterestEntityConsolidatedSecuritizedDebtObligations" id="rc_VariableInterestEntityConsolidatedSecuritizedDebtObligations" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="ProceedsFromIssuanceOfSecuritizedDebtObligationsConsolidatedVariableInterestEntity" id="rc_ProceedsFromIssuanceOfSecuritizedDebtObligationsConsolidatedVariableInterestEntity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="RepaymentsOfSecuritizedDebtObligationsConsolidatedVariableInterestEntity" id="rc_RepaymentsOfSecuritizedDebtObligationsConsolidatedVariableInterestEntity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="LoansNonAccrualStatusNumberOfConsecutiveMonthsPaymentsReceivedBeforeResumingRecognitionOfInterestIncome" id="rc_LoansNonAccrualStatusNumberOfConsecutiveMonthsPaymentsReceivedBeforeResumingRecognitionOfInterestIncome" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansReceivableHeldForInvestmentPledgedAsCollateralForGuaranteedLoanFinancing" id="rc_LoansReceivableHeldForInvestmentPledgedAsCollateralForGuaranteedLoanFinancing" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="ReleaseOfRepairAndDenialReserve" id="rc_ReleaseOfRepairAndDenialReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="RelatedPartyTransactionTerminationFeePeriodPrecedingTerminationUsedAsBasisForDeterminationOfFee" id="rc_RelatedPartyTransactionTerminationFeePeriodPrecedingTerminationUsedAsBasisForDeterminationOfFee" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="GmfsLlcMember" id="rc_GmfsLlcMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NoncontrollingInterestSharesOfCommonStockIssuedForEachUnitRedeemed" id="rc_NoncontrollingInterestSharesOfCommonStockIssuedForEachUnitRedeemed" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NoncontrollingInterestOwnershipByNoncontrollingOwnersPartnershipUnits" id="rc_NoncontrollingInterestOwnershipByNoncontrollingOwnersPartnershipUnits" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InterestExpenseSeniorSecuredNote" id="rc_InterestExpenseSeniorSecuredNote" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="TransferOfLoansHeldToLoansHeldForSaleAtFairValue" id="rc_TransferOfLoansHeldToLoansHeldForSaleAtFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersFromLoansHeldForInvestmentNet" id="rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersFromLoansHeldForInvestmentNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="ServicingAssetAtFairValueLoanPayOffs" id="rc_ServicingAssetAtFairValueLoanPayOffs" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="ServicingRightsAmortizationExpenseAfterYearFive" id="rc_ServicingRightsAmortizationExpenseAfterYearFive" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmountAbstract" id="rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmountAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmount" id="rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValueAmount" id="rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValueAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValueAmount" id="rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValueAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValueAmount" id="rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValueAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="NonCashCompensationExpenseNotYetChargedToNetIncome" id="rc_NonCashCompensationExpenseNotYetChargedToNetIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="RelatedPartyTransactionThresholdForDeterminationOfFeePercentage" id="rc_RelatedPartyTransactionThresholdForDeterminationOfFeePercentage" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="RelatedPartyTransactionPercentageFeeBelowThreshold" id="rc_RelatedPartyTransactionPercentageFeeBelowThreshold" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RelatedPartyTransactionPercentageFeeAboveThreshold" id="rc_RelatedPartyTransactionPercentageFeeAboveThreshold" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SeniorSecuredNotePolicyPolicyTextBlock" id="rc_SeniorSecuredNotePolicyPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfUnpaidPrincipalBalanceAndCarryingValueOfLoansTableTextBlock" id="rc_ScheduleOfUnpaidPrincipalBalanceAndCarryingValueOfLoansTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfCollateralPledgedForBorrowingsUnderCreditFacilitiesAndPromissoryNotePayableTableTextBlock" id="rc_ScheduleOfCollateralPledgedForBorrowingsUnderCreditFacilitiesAndPromissoryNotePayableTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInCostOfService" id="rc_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInCostOfService" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInCostOfService" id="rc_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInCostOfService" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="FuneralServiceAndCrematoriesMember" id="rc_FuneralServiceAndCrematoriesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CertainEmployeesMember" id="rc_CertainEmployeesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RestrictedStockUnitsRsusAndRestrictedStockAwardsRsasMember" id="rc_RestrictedStockUnitsRsusAndRestrictedStockAwardsRsasMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansEligibleForRepurchase" id="rc_LoansEligibleForRepurchase" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ResidentialMortgageBankingActivitiesTextBlock" id="rc_ResidentialMortgageBankingActivitiesTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfResidentialMortgageBankingActivitiesTableTextBlock" id="rc_ScheduleOfResidentialMortgageBankingActivitiesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CorrespondentFeesAndOtherDirectLoanExpenses" id="rc_CorrespondentFeesAndOtherDirectLoanExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="OriginBankMember" id="rc_OriginBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DueFromServicersAndInterestReceivable" id="rc_DueFromServicersAndInterestReceivable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="DueToRelatedPartiesAndInterestPayableCurrentAndNoncurrent" id="rc_DueToRelatedPartiesAndInterestPayableCurrentAndNoncurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="OriginatedSba7LoansMember" id="rc_OriginatedSba7LoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OriginatedResidentialAgencyLoansMember" id="rc_OriginatedResidentialAgencyLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OriginatedFreddieLoansMember" id="rc_OriginatedFreddieLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansReceivableUnpaidPrincipleBalanceAbstract" id="rc_LoansReceivableUnpaidPrincipleBalanceAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansHeldForSaleFairValueDisclosureUnpaidPrincipalBalance" id="rc_LoansHeldForSaleFairValueDisclosureUnpaidPrincipalBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="InterestExpenseConvertibleNote" id="rc_InterestExpenseConvertibleNote" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="SeniorSecuredNotesAndConvertibleNotesTextBlock" id="rc_SeniorSecuredNotesAndConvertibleNotesTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SutherlandCommercialMortgageLoansTwoMember" id="rc_SutherlandCommercialMortgageLoansTwoMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DebtInstrumentPrincipalAmountDenominationForConversionIntoCommonStock" id="rc_DebtInstrumentPrincipalAmountDenominationForConversionIntoCommonStock" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="ConvertibleDebtGross" id="rc_ConvertibleDebtGross" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="DebtInstrumentConvertibleGossCarryingAmountOfEquityComponent" id="rc_DebtInstrumentConvertibleGossCarryingAmountOfEquityComponent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="BorrowingsUnderRepurchaseAgreementsMember" id="rc_BorrowingsUnderRepurchaseAgreementsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DeutscheBankMember" id="rc_DeutscheBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CitibankMember" id="rc_CitibankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FreddieMacLoansMember" id="rc_FreddieMacLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ServicingAssetAtAmortizedCostImpairments" id="rc_ServicingAssetAtAmortizedCostImpairments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="CarryingValueOfModifiedLoansClassifiedAsTdrsAbstract" id="rc_CarryingValueOfModifiedLoansClassifiedAsTdrsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ConvertibleNotePolicyPolicyTextBlock" id="rc_ConvertibleNotePolicyPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfMortgageServicingRightsPortfolioTableTextBlock" id="rc_ScheduleOfMortgageServicingRightsPortfolioTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DebtInstrumentConvertibleCarryingAmountOfEquityComponents" id="rc_DebtInstrumentConvertibleCarryingAmountOfEquityComponents" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfAdverseChangeInAssumptionAbstract" id="rc_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfAdverseChangeInAssumptionAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DebtInstrumentConvertibleAverageMarketPricePeriod" id="rc_DebtInstrumentConvertibleAverageMarketPricePeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DebtInstrumentConvertibleThresholdPercentagePerShareValueOfDistributionsInExcessOfAverageMarketPriceTrigger" id="rc_DebtInstrumentConvertibleThresholdPercentagePerShareValueOfDistributionsInExcessOfAverageMarketPriceTrigger" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DebtInstrumentConvertibleThresholdPercentageProductOfConversionRateAndCommonStockMarketPriceOverConsecutiveTradingDaysTrigger" id="rc_DebtInstrumentConvertibleThresholdPercentageProductOfConversionRateAndCommonStockMarketPriceOverConsecutiveTradingDaysTrigger" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DebtInstrumentConvertibleThresholdConsecutiveTradingDaysProductOfConversionRateAndMarketPrice" id="rc_DebtInstrumentConvertibleThresholdConsecutiveTradingDaysProductOfConversionRateAndMarketPrice" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansNetMember" id="rc_LoansNetMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MortgageBackedSecuritiesFairValueMaximumLossExposureAmount" id="rc_MortgageBackedSecuritiesFairValueMaximumLossExposureAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="InvestmentInUnconsolidatedJointVentureMaximumLossExposure" id="rc_InvestmentInUnconsolidatedJointVentureMaximumLossExposure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="LoanOriginationCosts" id="rc_LoanOriginationCosts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="ReadyCapCommercialMortgageTrustFourMember" id="rc_ReadyCapCommercialMortgageTrustFourMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IncreaseDecreaseInRepairAndDenialReserve" id="rc_IncreaseDecreaseInRepairAndDenialReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="BankServicingIncome" id="rc_BankServicingIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="LondonInterbankOfferedRateOneMonthLiborMember" id="rc_LondonInterbankOfferedRateOneMonthLiborMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LondonInterbankOfferedRateThreeMonthLiborMember" id="rc_LondonInterbankOfferedRateThreeMonthLiborMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InterestExpenseCorporateDebt" id="rc_InterestExpenseCorporateDebt" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="LoanAcquisitionCosts" id="rc_LoanAcquisitionCosts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="SeniorUnsecuredNotesMember" id="rc_SeniorUnsecuredNotesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SeniorUnsecuredNotes" id="rc_SeniorUnsecuredNotes" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="SeniorSecuredNotes" id="rc_SeniorSecuredNotes" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="EastWestBankMember" id="rc_EastWestBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansReceivableUnfundedLoanCommitmentsLoansHeldForSaleAtFairValue" id="rc_LoansReceivableUnfundedLoanCommitmentsLoansHeldForSaleAtFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="ServicingAssetAtAmortizedValueAcquired" id="rc_ServicingAssetAtAmortizedValueAcquired" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="ServicingAssetAtAmortizedValueAdditionsLoansSoldServicingRetained" id="rc_ServicingAssetAtAmortizedValueAdditionsLoansSoldServicingRetained" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="LodgingMember" id="rc_LodgingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CorporateDebtPolicyPolicyTextBlock" id="rc_CorporateDebtPolicyPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="BusinessAcquisitionEquityInterestIssuedOrIssuableNumberOfSharesIssuedExchangeRatio" id="rc_BusinessAcquisitionEquityInterestIssuedOrIssuableNumberOfSharesIssuedExchangeRatio" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="BusinessCombinationPercentageOfOwnershipInterestAfterPostClosing" id="rc_BusinessCombinationPercentageOfOwnershipInterestAfterPostClosing" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="ExistingAcquirerShareholdersMember" id="rc_ExistingAcquirerShareholdersMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ExistingAcquireeShareholdersMember" id="rc_ExistingAcquireeShareholdersMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DeferredLoanExitFees" id="rc_DeferredLoanExitFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="SecSchedule1229RealEstateCompaniesInvestmentInMortgageLoansOnRealEstateLoanTypeAxis" id="rc_SecSchedule1229RealEstateCompaniesInvestmentInMortgageLoansOnRealEstateLoanTypeAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SecSchedule1229RealEstateCompaniesInvestmentInMortgageLoansOnRealEstateLoanTypeDomain" id="rc_SecSchedule1229RealEstateCompaniesInvestmentInMortgageLoansOnRealEstateLoanTypeDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetIncomeLossFromContinuingOperationsBasic" id="rc_NetIncomeLossFromContinuingOperationsBasic" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="NetIncomeLossFromContinuingOperationsDiluted" id="rc_NetIncomeLossFromContinuingOperationsDiluted" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="VariableInterestEntityCashCashEquivalentsAndRestrictedCash" id="rc_VariableInterestEntityCashCashEquivalentsAndRestrictedCash" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueServicingExpenseValue" id="rc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueServicingExpenseValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansNet" id="rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedRealEstateHeldForSale" id="rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedRealEstateHeldForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestmentInUnconsolidatedJointVentures" id="rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestmentInUnconsolidatedJointVentures" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterest" id="rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="ReadyCapCommercialMortgageTrustFiveMember" id="rc_ReadyCapCommercialMortgageTrustFiveMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecuredBorrowings" id="rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecuredBorrowings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="BusinessAcquisitionProFormaInterestIncome" id="rc_BusinessAcquisitionProFormaInterestIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="BusinessAcquisitionProFormaInterestExpense" id="rc_BusinessAcquisitionProFormaInterestExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="BusinessAcquisitionProFormaNoninterestIncome" id="rc_BusinessAcquisitionProFormaNoninterestIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="BusinessAcquisitionProFormaNoninterestExpense" id="rc_BusinessAcquisitionProFormaNoninterestExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="BusinessAcquisitionProFormaIncomeLossBeforeIncomeTax" id="rc_BusinessAcquisitionProFormaIncomeLossBeforeIncomeTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="BusinessAcquisitionProFormaIncomeTaxBenefit" id="rc_BusinessAcquisitionProFormaIncomeTaxBenefit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="BusinessAcquisitionProFormaNonrecurringAcquisitionCostsExcluded" id="rc_BusinessAcquisitionProFormaNonrecurringAcquisitionCostsExcluded" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="OtherRealEstateAcquiredThroughForeclosure" id="rc_OtherRealEstateAcquiredThroughForeclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoanReceivablesPrincipal" id="rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoanReceivablesPrincipal" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="ContingentConsiderationMember" id="rc_ContingentConsiderationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CreationOfNewMortgageServicingRightsNetOfPayoffs" id="rc_CreationOfNewMortgageServicingRightsNetOfPayoffs" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="ReadycapCapitalFinancingThreeMember" id="rc_ReadycapCapitalFinancingThreeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CorporateDebtFairValueDisclosures" id="rc_CorporateDebtFairValueDisclosures" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="FinancingReceivable90DaysPastDueAndStillAccruingPercentPastDue" id="rc_FinancingReceivable90DaysPastDueAndStillAccruingPercentPastDue" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="TbkBankMember" id="rc_TbkBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SixPointTwoPercentSeniorNotesDue2026Member" id="rc_SixPointTwoPercentSeniorNotesDue2026Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="KnightCapitalLlcMember" id="rc_KnightCapitalLlcMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansReceivableUnfundedLoanCommitments" id="rc_LoansReceivableUnfundedLoanCommitments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="CommitmentsToOriginateLoans" id="rc_CommitmentsToOriginateLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetIssuancesAndPurchases" id="rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetIssuancesAndPurchases" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="LoansHeldForSaleFairValueExcludingLoansOfConsolidatedVariableInterestEntities" id="rc_LoansHeldForSaleFairValueExcludingLoansOfConsolidatedVariableInterestEntities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="SutherlandCommercialMortgageLoansFourMember" id="rc_SutherlandCommercialMortgageLoansFourMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SixPointFivePercentSeniorNotesDue2021Member" id="rc_SixPointFivePercentSeniorNotesDue2021Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PurchasedFutureReceivablesNet" id="rc_PurchasedFutureReceivablesNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="ReadyCapLendingSmallBusinessTrustFourMember" id="rc_ReadyCapLendingSmallBusinessTrustFourMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ReadyCapCommercialMortgageTrustSixMember" id="rc_ReadyCapCommercialMortgageTrustSixMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NonInterestIncomeOnPurchasedFutureReceivables" id="rc_NonInterestIncomeOnPurchasedFutureReceivables" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="AllowanceForDoubtfulAccountsIncomeOnPurchasedFutureReceivables" id="rc_AllowanceForDoubtfulAccountsIncomeOnPurchasedFutureReceivables" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="PurchasedFutureReceivablesNetOfPayoffs" id="rc_PurchasedFutureReceivablesNetOfPayoffs" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="AllowanceForDoubtfulAccountsOnPurchasedFutureReceivablesNet" id="rc_AllowanceForDoubtfulAccountsOnPurchasedFutureReceivablesNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="BrokerNetworkMember" id="rc_BrokerNetworkMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PurchasedFutureReceivablesPolicyTextBlock" id="rc_PurchasedFutureReceivablesPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RentAndPropertyTaxExpense" id="rc_RentAndPropertyTaxExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="FinancingCostsOnPurchasedFutureReceivables" id="rc_FinancingCostsOnPurchasedFutureReceivables" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="PurchasedFutureReceivablesMember" id="rc_PurchasedFutureReceivablesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CreditSuisseMember" id="rc_CreditSuisseMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AcquiredLoansSbaLoansMember" id="rc_AcquiredLoansSbaLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SbaLoansMember" id="rc_SbaLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AcquiredLoansNonUsdMember" id="rc_AcquiredLoansNonUsdMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EuriborRateMember" id="rc_EuriborRateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ResidentialLoansMember" id="rc_ResidentialLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FixedRateTransitionalAcquiredLoansMember" id="rc_FixedRateTransitionalAcquiredLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FixedRateTransitionalLoansMember" id="rc_FixedRateTransitionalLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TransitionalLoansMember" id="rc_TransitionalLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RealizedGainsLossesNet" id="rc_RealizedGainsLossesNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="UnrealizedGainsLossesNet" id="rc_UnrealizedGainsLossesNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="OffsettingAssetsAndLiabilitiesTableTextBlock" id="rc_OffsettingAssetsAndLiabilitiesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfFinancingReceivableClassificationUpbAndCarryingValueOfLoanByOriginationTableTextBlock" id="rc_ScheduleOfFinancingReceivableClassificationUpbAndCarryingValueOfLoanByOriginationTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LeasePayable" id="rc_LeasePayable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="UsSmallBusinessAdministrationPaycheckProtectionProgramMember" id="rc_UsSmallBusinessAdministrationPaycheckProtectionProgramMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfFinancingReceivableDelinquencyByYearOfOriginationTableTextBlock" id="rc_ScheduleOfFinancingReceivableDelinquencyByYearOfOriginationTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PrincipalAmountOutstandingOnLoansSecuritizedNonCompanySponsored" id="rc_PrincipalAmountOutstandingOnLoansSecuritizedNonCompanySponsored" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="SutherlandCommercialMortgageLoansFiveMember" id="rc_SutherlandCommercialMortgageLoansFiveMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ReadycapCapitalFinancingFourMember" id="rc_ReadycapCapitalFinancingFourMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AccruedPppRelatedCosts" id="rc_AccruedPppRelatedCosts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="NoncashInvestingItemsAbstract" id="rc_NoncashInvestingItemsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NoncashFinancingItemsAbstract" id="rc_NoncashFinancingItemsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SupplementalOperatingActivitiesAbstract" id="rc_SupplementalOperatingActivitiesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoanProcessingFeeIncome" id="rc_LoanProcessingFeeIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="FeeIncomeLoans" id="rc_FeeIncomeLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="PaycheckProtectionProgramLoansUnderwrittenAndSold" id="rc_PaycheckProtectionProgramLoansUnderwrittenAndSold" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="DueToThirdPartiesCurrentAndNoncurrent" id="rc_DueToThirdPartiesCurrentAndNoncurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="OriginationFeesAndFeeIncome" id="rc_OriginationFeesAndFeeIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="OtherOperatingExpensesMember" id="rc_OtherOperatingExpensesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ServicingIncomeMember" id="rc_ServicingIncomeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfBalanceSheetImpactOfPaycheckProtectionProgramActivitiesTableTextBlock" id="rc_ScheduleOfBalanceSheetImpactOfPaycheckProtectionProgramActivitiesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfIncomeAndExpensesOfPaycheckProtectionProgramActivitiesTableTextBlock" id="rc_ScheduleOfIncomeAndExpensesOfPaycheckProtectionProgramActivitiesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="VariableInterestEntitiesAndSecuritizationActivitiesAbstract" id="rc_VariableInterestEntitiesAndSecuritizationActivitiesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFour" id="rc_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFour" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="ContractualObligationDueAfterFourthYear" id="rc_ContractualObligationDueAfterFourthYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFour" id="rc_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFour" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="FinancingReceivablesEqualToGreaterThan60DaysPastDueMember" id="rc_FinancingReceivablesEqualToGreaterThan60DaysPastDueMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ShareRepurchasePolicyTextBlock" id="rc_ShareRepurchasePolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ConvertibleSeniorNotes7.00PercentDue2023Member" id="rc_ConvertibleSeniorNotes7.00PercentDue2023Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RelatedPartyTransactionTemporaryQuarterlyFeeReduction" id="rc_RelatedPartyTransactionTemporaryQuarterlyFeeReduction" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="RelatedPartyTransactionTemporaryQuarterlyFeeReductionNumberOfQuarters" id="rc_RelatedPartyTransactionTemporaryQuarterlyFeeReductionNumberOfQuarters" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OriginatedPaycheckProtectionProgramLoansAtFairValueMember" id="rc_OriginatedPaycheckProtectionProgramLoansAtFairValueMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OriginatedPaycheckProtectionProgramLoansHeldForInvestmentMember" id="rc_OriginatedPaycheckProtectionProgramLoansHeldForInvestmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PaycheckProtectionProgramLoansUnpaidPrincipalBalance" id="rc_PaycheckProtectionProgramLoansUnpaidPrincipalBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="TotalLoansNetAndLoansHeldForSaleFairValueDisclosure" id="rc_TotalLoansNetAndLoansHeldForSaleFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="TotalLoansNetAndLoansHeldForSaleUnpaidPrincipalBalance" id="rc_TotalLoansNetAndLoansHeldForSaleUnpaidPrincipalBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="CarWashBusinessMember" id="rc_CarWashBusinessMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LodgingAndResidentialMember" id="rc_LodgingAndResidentialMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PerformanceTrustMember" id="rc_PerformanceTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="VariousMember" id="rc_VariousMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PaycheckProtectionProgramLoans" id="rc_PaycheckProtectionProgramLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="PaycheckProtectionProgramLiquidityFacilityBorrowings" id="rc_PaycheckProtectionProgramLiquidityFacilityBorrowings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="InterestExpensePaycheckProtectionProgramLiquidityFinancingBorrowings" id="rc_InterestExpensePaycheckProtectionProgramLiquidityFinancingBorrowings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="ReadycapCapitalFinancingFiveMember" id="rc_ReadycapCapitalFinancingFiveMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PaycheckProtectionProgramFeeReceivable" id="rc_PaycheckProtectionProgramFeeReceivable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="PaycheckProtectionProgramLoansFairValueDisclosure" id="rc_PaycheckProtectionProgramLoansFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="DividendsPreferredStockSeriesB" id="rc_DividendsPreferredStockSeriesB" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="DividendsPreferredStockSeriesC" id="rc_DividendsPreferredStockSeriesC" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="DividendsPreferredStockSeriesD" id="rc_DividendsPreferredStockSeriesD" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="PaymentsForOriginationOfPaycheckProtectionProgramLoans" id="rc_PaymentsForOriginationOfPaycheckProtectionProgramLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="PaymentsToAcquirePaycheckProtectionProgramLoans" id="rc_PaymentsToAcquirePaycheckProtectionProgramLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="ProceedsFromBorrowingsPaycheckProtectionProgramLiquidityFinancingPpplf" id="rc_ProceedsFromBorrowingsPaycheckProtectionProgramLiquidityFinancingPpplf" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="AnworthMortgageAssetCorporationMember" id="rc_AnworthMortgageAssetCorporationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PaymentsOnPaycheckProtectionProgramLiquidityFacility" id="rc_PaymentsOnPaycheckProtectionProgramLiquidityFacility" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="ProceedsFromDispositionAndPrincipalPaymentOfPaycheckProtectionProgramLoans" id="rc_ProceedsFromDispositionAndPrincipalPaymentOfPaycheckProtectionProgramLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="InterestAndFeeIncomePaycheckProtectionProgramLoans" id="rc_InterestAndFeeIncomePaycheckProtectionProgramLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="SeniorNotes5.75PercentDueIn2026Member" id="rc_SeniorNotes5.75PercentDueIn2026Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AnworthCapitalTrustIMember" id="rc_AnworthCapitalTrustIMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDerivativeInstruments" id="rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDerivativeInstruments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCorporateDebt" id="rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCorporateDebt" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="BusinessAcquisitionProFormaProvisionForRecoveryOfLoanLosses" id="rc_BusinessAcquisitionProFormaProvisionForRecoveryOfLoanLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="JuniorSubordinatedIBDebtMember" id="rc_JuniorSubordinatedIBDebtMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="JuniorSubordinatedIaDebtMember" id="rc_JuniorSubordinatedIaDebtMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="UsSmallBusinessAdministrationPaycheckProtectionProgramCaresActMember" id="rc_UsSmallBusinessAdministrationPaycheckProtectionProgramCaresActMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="UsSmallBusinessAdministrationPaycheckProtectionProgramEconomicAidActMember" id="rc_UsSmallBusinessAdministrationPaycheckProtectionProgramEconomicAidActMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OriginationOfLoansPaycheckProtectionProgram" id="rc_OriginationOfLoansPaycheckProtectionProgram" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="PercentageOfTargetSharesGrantedThatMayBeAchieved" id="rc_PercentageOfTargetSharesGrantedThatMayBeAchieved" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PercentageOfLiquidationPreferenceAtWhichCompanyCanOptToRedeem" id="rc_PercentageOfLiquidationPreferenceAtWhichCompanyCanOptToRedeem" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CommonStockIssuedDuringPeriodAcquisitionsValue" id="rc_CommonStockIssuedDuringPeriodAcquisitionsValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="PaycheckProtectionProgramLoansPolicyTextBlock" id="rc_PaycheckProtectionProgramLoansPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PaycheckProtectionProgramLiquidityFacilityBorrowingsPolicyTextBlock" id="rc_PaycheckProtectionProgramLiquidityFacilityBorrowingsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfPreferredStockTableTextBlock" id="rc_ScheduleOfPreferredStockTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CourierBusinessesMember" id="rc_CourierBusinessesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DividendsPreferredStockSeriesE" id="rc_DividendsPreferredStockSeriesE" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="SixPointTwoPercentAndFivePointSevenFivePercentSeniorNotesDue2026Member" id="rc_SixPointTwoPercentAndFivePointSevenFivePercentSeniorNotesDue2026Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AtMarketIssuanceSalesAgreementDebtNotesAuthorizedToBeSold" id="rc_AtMarketIssuanceSalesAgreementDebtNotesAuthorizedToBeSold" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="SutherlandCommercialMortgageLoansSixMember" id="rc_SutherlandCommercialMortgageLoansSixMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EquityAtMarketMember" id="rc_EquityAtMarketMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EquityAtMarketProgramAuthorizedAmount" id="rc_EquityAtMarketProgramAuthorizedAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="BusinessAcquisitionPaymentsForEmployeeRetention" id="rc_BusinessAcquisitionPaymentsForEmployeeRetention" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="LoanPortfolioExpenseNetOfAdjustments" id="rc_LoanPortfolioExpenseNetOfAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
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  <xsd:element name="WesternAllianceMember" id="rc_WesternAllianceMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="InvestmentInUnconsolidatedJointVenturesMember" id="rc_InvestmentInUnconsolidatedJointVenturesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="RedStoneMember" id="rc_RedStoneMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedServicingRights" id="rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedServicingRights" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="ScheduleOfAggregateConsiderationTransferredNetAssetsAcquiredAndRelatedGoodwillTableTextBlock" id="rc_ScheduleOfAggregateConsiderationTransferredNetAssetsAcquiredAndRelatedGoodwillTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MeasurementInputOriginationPullThroughRateMember" id="rc_MeasurementInputOriginationPullThroughRateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MeasurementInputServicingFeeMultipleMember" id="rc_MeasurementInputServicingFeeMultipleMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MeasurementInputPercentageOfUnpaidPrincipalBalanceMember" id="rc_MeasurementInputPercentageOfUnpaidPrincipalBalanceMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MeasurementInputLiabilityDiscountRateMember" id="rc_MeasurementInputLiabilityDiscountRateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MeasurementInputEbtVolatilityMember" id="rc_MeasurementInputEbtVolatilityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="AssetsVariableInterestEntities" id="rc_AssetsVariableInterestEntities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="FinancialAssetNotPastDueAnd1To29DaysPastDueMember" id="rc_FinancialAssetNotPastDueAnd1To29DaysPastDueMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SbcLendingAndAcquisitionsMember" id="rc_SbcLendingAndAcquisitionsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="ReallocationOfNoncontrollingInterest" id="rc_ReallocationOfNoncontrollingInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="SeriesCAndSeriesEPreferredStockMember" id="rc_SeriesCAndSeriesEPreferredStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SeniorNotes5.50PercentDueIn2028Member" id="rc_SeniorNotes5.50PercentDueIn2028Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DebtInstrumentRedemptionPeriodFourAndThereafterMember" id="rc_DebtInstrumentRedemptionPeriodFourAndThereafterMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InvestmentInternalRateOfReturnIncrementalPercentageInExcessOfInvestmentRateOfReturn" id="rc_InvestmentInternalRateOfReturnIncrementalPercentageInExcessOfInvestmentRateOfReturn" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InvestmentPercentOfCarriedInterestDistributionsReceivedByGeneralPartner" id="rc_InvestmentPercentOfCarriedInterestDistributionsReceivedByGeneralPartner" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="WaterfallAtlasFundLpMember" id="rc_WaterfallAtlasFundLpMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DeferredFinanceCostsExcludingSecuredDebtOfferingsNet" id="rc_DeferredFinanceCostsExcludingSecuredDebtOfferingsNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
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  <xsd:element name="ValuationIncomeApproachAndProbabilityWeightedExpectedReturnMethodMember" id="rc_ValuationIncomeApproachAndProbabilityWeightedExpectedReturnMethodMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MeasurementInputRevaluationDiscountRateMember" id="rc_MeasurementInputRevaluationDiscountRateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoanParticipationsSold" id="rc_LoanParticipationsSold" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="DueToThirdPartiesFundsHeld" id="rc_DueToThirdPartiesFundsHeld" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
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  <xsd:element name="CommonClassBTrancheFourMember" id="rc_CommonClassBTrancheFourMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetMergersAndAcquisitionsTotal" id="rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetMergersAndAcquisitionsTotal" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
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  <xsd:element name="GoldmanSachsMember" id="rc_GoldmanSachsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ChurchillMember" id="rc_ChurchillMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TransitionalAcquiredLoansMember" id="rc_TransitionalAcquiredLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FixedRateLoansMember" id="rc_FixedRateLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherLoansMember" id="rc_OtherLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DebtSecuritiesHeldToMaturityAbstract" id="rc_DebtSecuritiesHeldToMaturityAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="HeldToMaturitySecuritiesMaturitiesWithinOneYearWeightedAverageInterestRate" id="rc_HeldToMaturitySecuritiesMaturitiesWithinOneYearWeightedAverageInterestRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="ConstructionPreferredEquitiesMember" id="rc_ConstructionPreferredEquitiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoanParticipationsSold" id="rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoanParticipationsSold" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDueToThirdParties" id="rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDueToThirdParties" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="BusinessCombinationConsiderationTransferredContingentLiability" id="rc_BusinessCombinationConsiderationTransferredContingentLiability" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="BusinessCombinationConsiderationValuePerShareOfContingentConsideration" id="rc_BusinessCombinationConsiderationValuePerShareOfContingentConsideration" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SeniorNotes6.125PercentDueIn2025Member" id="rc_SeniorNotes6.125PercentDueIn2025Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DebtInstrumentRepurchasePriceInEventOfChangeOfControlPercentage" id="rc_DebtInstrumentRepurchasePriceInEventOfChangeOfControlPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DebtOfferedThroughAtMarketProgramNumberOfSharesSold" id="rc_DebtOfferedThroughAtMarketProgramNumberOfSharesSold" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DebtOfferedThroughAtMarketProgramPricePerShare" id="rc_DebtOfferedThroughAtMarketProgramPricePerShare" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="HeldToMaturityDebtSecuritiesUnfundedLoanCommitments" id="rc_HeldToMaturityDebtSecuritiesUnfundedLoanCommitments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="DeferredFeesToBeRecognized" id="rc_DeferredFeesToBeRecognized" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="NetFeesCreatingExcessPppLiquidityFacilityBorrowingsOverPppLoans" id="rc_NetFeesCreatingExcessPppLiquidityFacilityBorrowingsOverPppLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="InvestmentsHeldToMaturityPolicyPolicyTextBlock" id="rc_InvestmentsHeldToMaturityPolicyPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoanParticipationsSoldPolicyPolicyTextBlock" id="rc_LoanParticipationsSoldPolicyPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DueToThirdPartiesPolicyTextBlock" id="rc_DueToThirdPartiesPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CreditDeterioratedLoansPurchasedTableTextBlock" id="rc_CreditDeterioratedLoansPurchasedTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ExpensesAttributableToDilutiveInstruments" id="rc_ExpensesAttributableToDilutiveInstruments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="ProbabilityWeightedExpectedReturnMethodReturnOfCapitalAssumptionPercentage" id="rc_ProbabilityWeightedExpectedReturnMethodReturnOfCapitalAssumptionPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ReadyCapitalMortgageFinancing2022Fl9Member" id="rc_ReadyCapitalMortgageFinancing2022Fl9Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="ReadycapCommercialMortgageTrustSevenMember" id="rc_ReadycapCommercialMortgageTrustSevenMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RepairAndDenialReserveReleaseNet" id="rc_RepairAndDenialReserveReleaseNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="SeniorNotes7.375PercentDueIn2027Member" id="rc_SeniorNotes7.375PercentDueIn2027Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EquityAtMarketProgramAvailableForSale" id="rc_EquityAtMarketProgramAvailableForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="PreferredStockBasisForConversionPrincipalAmount" id="rc_PreferredStockBasisForConversionPrincipalAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityMergersAndAcquisitionsTotal" id="rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityMergersAndAcquisitionsTotal" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="MultiFamilyServicingRightsMember" id="rc_MultiFamilyServicingRightsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivableAllowanceForCreditLossSalesAndWriteoff" id="rc_FinancingReceivableAllowanceForCreditLossSalesAndWriteoff" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableNonaccrualWithRelatedAllowance" id="rc_FinancingReceivableNonaccrualWithRelatedAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableNonaccrualAllowanceForCreditLoss" id="rc_FinancingReceivableNonaccrualAllowanceForCreditLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableNonaccrualUnpaidPrincipalBalance" id="rc_FinancingReceivableNonaccrualUnpaidPrincipalBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableGrossExcludingFinancingReceivablesOfConsolidatedVariableInterestEntities" id="rc_FinancingReceivableGrossExcludingFinancingReceivablesOfConsolidatedVariableInterestEntities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableAllowanceExcludingConsolidatedVariableInterestEntities" id="rc_FinancingReceivableAllowanceExcludingConsolidatedVariableInterestEntities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableNetReportedAmountExcludingLoansOfConsolidatedVariableInterestEntities" id="rc_FinancingReceivableNetReportedAmountExcludingLoansOfConsolidatedVariableInterestEntities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableNetAmountInConsolidatedVariableInterestEntities" id="rc_FinancingReceivableNetAmountInConsolidatedVariableInterestEntities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivablesGeneralAllowanceForLoanLossesAssessedOnCollectiveBasis" id="rc_FinancingReceivablesGeneralAllowanceForLoanLossesAssessedOnCollectiveBasis" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableNetAmountIncludingLoansOfConsolidatedVariableInterestEntities" id="rc_FinancingReceivableNetAmountIncludingLoansOfConsolidatedVariableInterestEntities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivablePercentageOfTotalOutstanding" id="rc_FinancingReceivablePercentageOfTotalOutstanding" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivableAmountIncludingLoansOfConsolidatedVariableInterestEntitiesNetOfGeneralAllowanceForLoanLosses" id="rc_FinancingReceivableAmountIncludingLoansOfConsolidatedVariableInterestEntitiesNetOfGeneralAllowanceForLoanLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableSpecificAllowance" id="rc_FinancingReceivableSpecificAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableAllowanceSpecificAndPurchasedCreditDeterioratedLoans" id="rc_FinancingReceivableAllowanceSpecificAndPurchasedCreditDeterioratedLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableNetAmountUnpaidPrincipalAmountIncludingLoansOfConsolidatedVariableInterestEntities" id="rc_FinancingReceivableNetAmountUnpaidPrincipalAmountIncludingLoansOfConsolidatedVariableInterestEntities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableUnpaidPrincipalBalanceGrossExcludingLoansOfConsolidatedVariableInterestEntities" id="rc_FinancingReceivableUnpaidPrincipalBalanceGrossExcludingLoansOfConsolidatedVariableInterestEntities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableNetReportedAmountExcludingLoansOfConsolidatedVariableInterestEntitiesUnpaidPrincipalBalance" id="rc_FinancingReceivableNetReportedAmountExcludingLoansOfConsolidatedVariableInterestEntitiesUnpaidPrincipalBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableUnpaidPrincipalBalanceGross" id="rc_FinancingReceivableUnpaidPrincipalBalanceGross" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableNetUnpaidPrincipalAmount" id="rc_FinancingReceivableNetUnpaidPrincipalAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableUnpaidPrincipalBalanceNetAmountTotal" id="rc_FinancingReceivableUnpaidPrincipalBalanceNetAmountTotal" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingUnfundedLendingCommitmentsCreditLossExpenseReversal" id="rc_FinancingReceivableExcludingUnfundedLendingCommitmentsCreditLossExpenseReversal" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableAllowanceForCreditLossPurchasedWithCreditDeterioration" id="rc_FinancingReceivableAllowanceForCreditLossPurchasedWithCreditDeterioration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableAllowanceForCreditLossRecoveryAdjustment" id="rc_FinancingReceivableAllowanceForCreditLossRecoveryAdjustment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="OperatingPartnershipUnitsRetiredDuringPeriodValue" id="rc_OperatingPartnershipUnitsRetiredDuringPeriodValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="HsbcBankMember" id="rc_HsbcBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ConstructionLoansNonUsdMember" id="rc_ConstructionLoansNonUsdMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SterlingOvernightIndexAverageRateMember" id="rc_SterlingOvernightIndexAverageRateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DebtInstrumentsSoldFaceAmount" id="rc_DebtInstrumentsSoldFaceAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="EmployeeRetentionCreditConsultingIncome" id="rc_EmployeeRetentionCreditConsultingIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLoss" id="rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="InvestmentCommitment" id="rc_InvestmentCommitment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="InvestmentCommitmentRemainingCommitmentNotYetFunded" id="rc_InvestmentCommitmentRemainingCommitmentNotYetFunded" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="InvestmentCommitmentCashContributed" id="rc_InvestmentCommitmentCashContributed" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DebtInstrumentRedemptionPriorTo20October2023Member" id="rc_DebtInstrumentRedemptionPriorTo20October2023Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DebtInstrumentRedemptionOnOrAfter20October2023AndPriorTo20October2024Member" id="rc_DebtInstrumentRedemptionOnOrAfter20October2023AndPriorTo20October2024Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DebtInstrumentRedemptionOnOrAfter20October2024AndPriorTo20October2025Member" id="rc_DebtInstrumentRedemptionOnOrAfter20October2024AndPriorTo20October2025Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DebtInstrumentRedemptionOnOrAfter20October2025AndPriorToMaturityDateMember" id="rc_DebtInstrumentRedemptionOnOrAfter20October2025AndPriorToMaturityDateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DebtInstrumentRedemptionPriorTo31July2025Member" id="rc_DebtInstrumentRedemptionPriorTo31July2025Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DebtInstrumentRedemptionOnOrAfter31July2025AndPriorTo31July2026Member" id="rc_DebtInstrumentRedemptionOnOrAfter31July2025AndPriorTo31July2026Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DebtInstrumentRedemptionOnOrAfter31July2026AndPriorToMaturityDateMember" id="rc_DebtInstrumentRedemptionOnOrAfter31July2026AndPriorToMaturityDateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivablePurchasedWithCreditDeteriorationDuringPeriod" id="rc_FinancingReceivablePurchasedWithCreditDeteriorationDuringPeriod" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="CommonStockSharesIssuedDuringPeriod" id="rc_CommonStockSharesIssuedDuringPeriod" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
</xsd:schema>
