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Visual31 Oct 2025
Three decades of Rolls-Royce
Rocket Companies (RKT) investor relations material
Rocket Companies Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Achieved record Q3 2025 results, exceeding adjusted revenue guidance and gaining market share in both purchase and refinance segments, despite a challenging housing market.
Completed acquisitions of Redfin and Mr. Cooper, creating a vertically integrated homeownership platform spanning search, finance, and servicing, now serving 9.5M servicing clients and holding the #1 position in both mortgage origination and servicing.
Leveraged AI and data to drive operational efficiency, improve conversion rates, personalization, and reduce costs across origination and servicing, launching multiple AI-driven mortgage tools.
Reported a GAAP net loss of $124 million, but adjusted net income was $158 million and adjusted EBITDA reached $349 million with a 20% margin.
Financial highlights
Adjusted revenue for Q3 2025 reached $1.783 billion, up 35% year-over-year and surpassing guidance.
Net mortgage rate lock volume was $36 billion, up 26% sequentially and 20% year-over-year.
Closed loan origination volume was $32.4 billion, up 14% year-over-year and 12% sequentially.
Adjusted EBITDA was $349 million (20% margin), and adjusted diluted EPS was $0.07.
Gain on sale margin held steady at 2.80% in Q3 2025.
Outlook and guidance
Q4 2025 adjusted revenue expected between $2.1 billion and $2.3 billion, reflecting a full quarter of Redfin and Mr. Cooper results.
Q4 total expenses projected at $2.3 billion, including $140 million in one-time transaction costs and $120 million in new amortization of intangibles.
Anticipates continued market share gains and strong purchase pipeline, despite typical Q4 seasonality.
2026 outlook is optimistic, with market growth forecasted at 25% and potential for rates below 6%.
Total Mr. Cooper legacy debt refinanced?
Annual team member hours saved by AI?
Analyze Partner Network Q3 margin compression.
How will Agentic AI transform servicing?
What drives Mr. Cooper's revenue synergies?
What makes the new business model resilient?
Detail AI agent impact on conversion & hours saved
Redfin attach rate: path to 50% target
Mr. Cooper synergy realization confidence
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Next Rocket Companies earnings date
Q4 202527 Feb, 2026
Next Rocket Companies earnings date
Q4 202527 Feb, 2026
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Frequently asked questions
Mortgages and Financial Services
Rocket Companies Inc., is an American company providing various types of lending and other financial services in the US and Canada. The company specializes primarily in home loan and mortgage lending through its flagship brand, Rocket Mortgage, but has over a dozen subsidiaries providing various services to its customers. The company uses digital methods to streamline the mortgage process, allowing for online applications, approvals, and loan management. The company is headquartered in Detroit, Michigan and its shares are traded on the NYSE.
Rock Financial, Quicken Loans, and Online Mortgages
Rocket Companies traces its roots to 1985 when Dan Gilbert founded Rock Financial, a traditional mortgage lender. The company evolved significantly over the years, marking a pivotal transformation with its shift to online operations in the late 1990s, becoming Quicken Loans and establishing itself as a dominant force in the online mortgage lending industry. Rocket Mortgage launched in 2015 and was a major milestone, offering a fully digital mortgage application process. Quicken Loans went public in 2020 under the name Rocket Companies, and today the corporation operates several financial services companies besides Rocket Mortgage. Today, the company competes with large traditional banks such as Wells Fargo, JPMorgan Chase, Bank of America, and other similar institutions.
Rocket Mortgage
Rocket Mortgage is the parent company’s flagship subsidiary and provides various mortgage financing services, with its primary offerings including fixed-rate and adjustable-rate conventional mortgages. The company also issues government-backed loans like FHA and VA loans, targeting first-time homebuyers and military personnel.
The company is known for its end-to-end online service platform, allowing customers to apply for, process, and manage their mortgage loans remotely. It also provides refinancing options for those looking to adjust their mortgage terms or tap into home equity. Rocket Mortgage provides a streamlined application process, rapid loan approval, and personalized customer service through its digital platform.
Other Subsidiaries
Besides Rocket Mortgage, Rocket Companies' portfolio includes a diverse range of businesses. One of the most notable is Rocket Homes, a real estate listing service that also provides a platform for home-buying and selling with integrated search tools and services. Rocket Auto, on the other hand, operates within the automotive sales industry, offering a platform for customers to shop for new and used vehicles across a network of dealerships.
Additionally, Rocket Loans offers personal lending services, offering personal loans with a swift application process. The group also includes Rocket Money, formerly known as Truebill, a financial management app that helps users track spending, manage subscriptions, and set up budgets.
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