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Onity Group (ONIT) investor relations material
Onity Group BofA Securities Leveraged Finance Conference 2025 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.BofA Securities Leveraged Finance Conference 2025 summary2 Dec, 2025
Business Overview and Strategy
Operates as a non-bank mortgage servicer and originator, managing owned and sub-serviced MSRs across forward, reverse, conventional, government, private, and small balance commercial loans.
Maintains a balanced, capital-light model with industry-leading cost structure, leveraging technology, data analytics, and machine learning for targeted refinancing, recapture, and dynamic asset management.
Focuses on organic growth, expanding products and services, and optimizing liquidity, with a target 50/50 mix of owned and sub-servicing MSRs.
Committed to optimizing shareholder returns through responsible capital deployment and periodic evaluation of value return opportunities.
Recognized for operational scale, efficiency, and multiple industry awards for service and technology.
Market Trends and Competitive Landscape
The US mortgage origination market is estimated at $1.9 trillion, with the servicing market typically 6–8 times larger and projected to reach $14.7T in 2025.
Non-banks service about 62% and originate 82% of the top 25 market share.
Sub-servicing is a growing segment as asset managers seek specialized providers, with industry consolidation and increased scrutiny of sub-servicing relationships.
Lower mortgage rates and flat home prices have improved affordability, supporting increased new home sales.
The company is open to M&A opportunities that enhance shareholder value.
Recent Transactions and Business Changes
Executed sale of $9.6 billion UPB of Ginnie Mae HECM reverse MSRs and originations to Finance of America, with a three-year subservicing agreement for sold assets.
Net proceeds of $100-110M from the sale will be redeployed for growth in forward MSRs, debt reduction, and potential share repurchases, simplifying the balance sheet.
Signed nine new sub-servicing clients this year and is negotiating with several large prospects for next year.
Rithm contract non-renewal will not materially impact future financials due to advance planning.
Focus is shifting to forward originations, recapture, and commercial servicing expansion.
How will reverse servicing exit proceeds be deployed?
How does M&A impact subservicing client acquisition?
What is the growth outlook for commercial subservicing?
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Next Onity Group earnings date
Q4 202527 Feb, 2026
Next Onity Group earnings date
Q4 202527 Feb, 2026
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Frequently asked questions
Onity Group Inc. is a non-bank mortgage servicer and originator offering solutions through its primary brands, PHH Mortgage and Liberty Reverse Mortgage. The company provides services across the entire mortgage lifecycle, including loan servicing and origination, catering to homeowners, investors, and financial institutions. Onity operates in the United States, the U.S. Virgin Islands, India, and the Philippines, delivering a range of mortgage-related services. The company is headquartered in West Palm Beach, Florida, and its shares are listed on the NYSE.
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