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Rocket Companies (RKT) investor relations material

Rocket Companies UBS’s 2025 Global Technology and AI Conference summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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UBS’s 2025 Global Technology and AI Conference summary3 Dec, 2025

Evolution and strategic focus

  • Leadership change two years ago brought renewed focus on core mortgage and home ownership business, exiting ancillary activities.

  • Technology-first culture remains central, with automation and proprietary systems prioritized for efficiency.

  • Strong balance sheet enables investment through market cycles, supporting resilience and adaptability.

  • New leadership emphasizes a unified home ownership platform, integrating services across the value chain.

Home ownership platform and acquisitions

  • Integration of Redfin and Mr. Cooper creates a seamless consumer experience from search to servicing.

  • Redfin acquisition provides access to 50 million monthly users, improving early consumer engagement and conversion rates above 40%.

  • Mr. Cooper brings scale as the largest mortgage servicer, proprietary technology, and strong recapture rates.

  • Combined, the platform services 10 million loans and leverages deep management expertise.

  • Acquisitions were strategically driven to accelerate growth and platform completeness.

Competitive landscape and industry trends

  • Industry is seeing reduced competition as some firms pull back due to higher rates and lower profitability.

  • Banks are less active in mortgage origination, creating more opportunity for focused players.

  • Consolidation and withdrawal of competitors are expected to continue, benefiting larger, integrated platforms.

What gives Rocket an AI competitive edge?
How do recent acquisitions solve growth challenges?
How does Rocket's platform approach drive share?
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Next Rocket Companies earnings date

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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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