Mortgage Stocks

Rocket Companies, Inc. is a leading enterprise focused on leveraging technology across the real estate, mortgage, and e-commerce industries, with operations spanning the United States and Canada. The firm organizes its activities into two principal divisions: direct engagement with consumers and a collaborative partner network. Its extensive suite of solutions encompasses: Rocket Mortgage: A primary provider of mortgage lending services. Amrock: Offering vital services such as title insurance, property valuation, and transaction settlement. Rocket Homes: A comprehensive platform for home searching and a referral network connecting clients with real estate agents, employing technology to simplify the home buying and selling journey. Rocket Auto: An online marketplace for automotive retail that facilitates centralized and virtual support for car purchases. Rocket Loans: A service specializing in online personal loans. Core Digital Media: A digital advertising agency prominent in the mortgage, insurance, and education sectors. Rocket Solar: Connecting homeowners to digital financing options for solar energy installations through expert advisors. Truebill: A personal finance application designed to help users manage various aspects of their financial lives. Lendesk: A technology services company providing point-of-sale systems for mortgage professionals and loan origination software for private lenders. Edison Financial: A digital mortgage brokerage. Beyond these specific brands, Rocket Companies also undertakes the initiation, finalization, sale, and servicing of agency-conforming loans. Established in 1985, the company maintains its headquarters in Detroit, Michigan, and operates as a subsidiary of Rock Holdings, Inc.

PennyMac Financial Services, Inc. (PFSI), through its various subsidiaries, is actively engaged in mortgage banking and investment management activities across the United States. The company's operations are structured into three primary divisions: Production, Servicing, and Investment Management. The Production segment focuses on the creation, acquisition, and subsequent sale of loans. Its primary involvement is with first-lien residential mortgage loans, encompassing both conventional products and those insured or guaranteed by the government. The Servicing segment is responsible for the administration of newly originated loans, in addition to managing early buyout transactions and providing servicing for other loan portfolios. This involves a broad range of activities, such as general loan administration, payment collection, and managing defaults. Specific duties include processing loan payments, addressing customer inquiries, meticulously accounting for principal and interest, holding custodial funds for property taxes and insurance premiums, providing guidance to delinquent borrowers, and supervising foreclosure processes and property dispositions. Furthermore, this segment implements loss mitigation strategies, including loan modification and forbearance programs. The Investment Management segment's core functions include identifying potential investment assets, conducting thorough due diligence, submitting bids, and finalizing acquisitions. It also oversees the correspondent production operations for PennyMac Mortgage Investment Trust and manages the acquired asset base. PennyMac Financial Services, Inc. was established in 2008 and maintains its headquarters in Westlake Village, California.

UWM Holdings Corporation is a U.S.-based enterprise specializing in the provision of residential mortgage financing. The company originates home loans predominantly through a wholesale distribution model, with its offerings primarily consisting of conforming and government-backed mortgages. Established in 1986, its corporate headquarters are situated in Pontiac, Michigan.

Walker & Dunlop, Inc., operating through its subsidiaries, offers a comprehensive range of financial products and services tailored for real estate owners and developers throughout the United States. The company specializes in financing for multifamily and various other commercial real estate ventures. Their core offerings include a diverse portfolio of loan products such as first mortgages, second trust deeds, supplemental financing, construction loans, mezzanine debt, preferred equity, small-balance loans, and bridge/interim financing. They are particularly active in multifamily finance, supporting properties like manufactured housing communities, student housing, affordable housing, and senior housing, often leveraging Fannie Mae's DUS program. Additionally, they provide both construction and permanent loans for multifamily, affordable, senior living, and healthcare facilities. Beyond direct lending, Walker & Dunlop acts as a crucial conduit, connecting commercial real estate owners with a wide array of institutional capital providers. These sources include life insurance companies, investment banks, commercial banks, pension funds, CMBS conduits, and other institutional investors. In this intermediary role, the firm offers expertise in capital structure advisory, crafts bespoke financing packages, facilitates negotiations between parties, coordinates due diligence, and guides transactions through to completion. Further expanding its service array, the company also provides property sales brokerage, robust underwriting and risk management solutions, and comprehensive loan servicing and asset management. Established in 1937, Walker & Dunlop, Inc. is headquartered in Bethesda, Maryland.

Encore Capital Group, Inc. operates as a specialized financial institution, offering global solutions for debt resolution and associated support services to individual consumers holding diverse financial assets. The company acquires portfolios of consumer debts that are in default, often at substantial discounts from their original value. It then oversees these accounts by engaging with individuals to assist them in fulfilling their repayment responsibilities and working towards their financial recovery. Additionally, Encore Capital Group provides a range of services including initial collection efforts, business process outsourcing, performance-based collection, loan servicing, and various other portfolio administration services to lenders grappling with non-performing loans. The enterprise was established in 1999 and its main offices are situated in San Diego, California.

Ladder Capital Corp engages in three core business activities. Its Lending division originates first mortgage loans, comprising "conduit" loans backed by stable, revenue-generating commercial real estate, and "balance sheet" loans for commercial properties undergoing significant change, such as lease-up, sale preparation, or rehabilitation. This segment also deploys capital into various structured real estate debt instruments, including note purchase financings, subordinated debt, and mezzanine financing. The Securities division focuses its investments on commercial mortgage-backed securities (CMBS), U.S. Agency Securities, corporate bonds, and equity holdings. Through its Real Estate division, the company acquires and maintains a diverse portfolio of commercial and residential properties, which spans office buildings, student housing, hotels, industrial sites, retail centers, and condominium units. Established in 2008 and headquartered in New York City, Ladder Capital Corp is recognized as a real estate investment trust (REIT) for federal income tax purposes, enabling it to generally bypass federal corporate income taxes by distributing at least 90% of its taxable earnings to shareholders.

Guild Holdings Company operates as a mortgage firm primarily engaged in the origination, sale, and servicing of home loans throughout the United States. With a robust presence, it maintains nearly 260 branch locations and possesses licenses in 49 states. The company facilitates residential mortgage creation through both its retail channels and correspondent partnerships. Established in 1960, its corporate headquarters are located in San Diego, California.

Operating across the United States, Velocity Financial, Inc. functions as a specialized real estate finance firm. Its core business involves generating and overseeing investment loans, which are typically secured by 1-4 unit residential rental properties and smaller commercial real estate assets. The company delivers its financial offerings to clients via an extensive network of independent mortgage brokers. Velocity Financial, Inc. was established in 2004 and is headquartered in Westlake Village, California.

loanDepot, Inc. is a financial services company operating within the United States' residential mortgage industry. It manages the full lifecycle of home loans, from initial origination and financing through their eventual sale and ongoing servicing. The firm offers a comprehensive suite of mortgage products, including conventional agency-conforming loans, prime jumbo mortgages, federal assistance residential loans, and home equity financing. Beyond its lending activities, loanDepot provides various ancillary services, such as proprietary title and escrow settlement solutions, real estate referral programs, and diverse consumer insurance policies, particularly for homeowners. Established in 2010, the company's primary corporate office is situated in Foothill Ranch, California.

Better Home & Finance Holding Company operates as a U.S.-based enterprise dedicated to various facets of homeownership. The company provides a comprehensive suite of mortgage products, including Government-Sponsored Enterprise (GSE) conforming loans, FHA-insured loans, VA-guaranteed loans, and jumbo loans. These lending solutions are offered to a diverse client base that encompasses GSEs, banks, insurance providers, asset managers, and mortgage real estate investment trusts. Additionally, its service portfolio extends to real estate agency, title insurance, settlement coordination, and homeowners' insurance. Formerly known as Better Mortgage Corporation, the company officially rebranded to Better Home & Finance Holding Company in August 2023. Its corporate headquarters are located in New York, New York.

Onity Group Inc. operates as a financial services firm focused on the creation and administration of both conventional (forward) and reverse mortgage loans. Its business activities extend across the United States, the U.S. Virgin Islands, India, and the Philippines, and are structured into two core divisions: Servicing and Originations. The company provides a wide array of offerings, including the management of owned mortgage servicing rights and subservicing products. Its comprehensive loan portfolio features traditional conventional mortgages, government-backed loans, non-agency mortgages, reverse mortgages, multi-family property loans, and both residential forward and small commercial mortgage solutions. Onity actively originates and acquires conventional and government-insured residential forward and reverse mortgage loans through various avenues, such as correspondent lending partnerships, broker relationships, and direct retail channels. Services are delivered under its recognized brands, PHH Mortgage and Liberty Reverse Mortgage, primarily catering to other financial institutions. Established in 1988 and headquartered in West Palm Beach, Florida, the organization recently rebranded in June 2024, transitioning from its former identity as Ocwen Financial Corporation to its current name, Onity Group Inc.

Security National Financial Corporation (SNFC) operates across three distinct sectors: life insurance, cemetery and mortuary services, and mortgage lending. Its Life Insurance division provides a comprehensive suite of products, encompassing various forms of life insurance – such as funeral pre-planning and interest-sensitive policies – alongside traditional life, accident, and health coverage. The segment also offers diverse annuity products, including single premium, flexible premium deferred, and immediate annuities, as well as specialized diver's accident protection. To manage its financial exposure, this division participates in reinsurance activities, both assuming and ceding risks with approved third-party reinsurers. The Cemetery and Mortuary segment manages a network of facilities, with fifteen mortuaries and seven cemeteries strategically located across Utah (eleven mortuaries, five cemeteries), California (one cemetery), and New Mexico (four mortuaries, one cemetery). Beyond operating these sites, it supplies a range of funeral and burial merchandise, including interment plots, vaults, mausoleum crypts, grave markers, caskets, and urns. Additionally, the segment delivers essential professional services such as funeral direction, grave preparation, access to chapels and viewing rooms, and specialized transportation. Through its Mortgages division, SNFC originates and underwrites loans for both residential and commercial properties. These financial services support new construction, the purchase of existing homes, and various other real estate endeavors, primarily within the states of Florida, Nevada, Texas, and Utah. The segment extends its residential lending solutions to a broad clientele, including real estate professionals like brokers and builders, as well as directly to individual consumers. Established in 1965, Security National Financial Corporation maintains its corporate headquarters in Salt Lake City, Utah.

Greystone Housing Impact Investors LP actively manages a diverse portfolio of mortgage revenue bonds (MRBs). These bonds are utilized to provide both construction and permanent financing solutions for a range of residential and commercial developments, specifically targeting multifamily, student housing, and general commercial properties. The company's business is organized into four main operating areas: investments in affordable multifamily MRBs, MRBs dedicated to seniors and skilled nursing facilities, direct multifamily property ownership, and market-rate joint venture investments. Founded in 1998, the firm maintains its principal office in Omaha, Nebraska. It operated under the name America First Multifamily Investors, L.P. until December 2022, when it officially rebranded to Greystone Housing Impact Investors LP.

CNFinance Holdings Limited is a financial services provider based in the People's Republic of China, specializing in home equity financing. The company also offers microcredit solutions specifically designed for owners of micro and small enterprises, and functions as a loan origination agent for other financial entities. Additionally, it provides bridge financing, which consists of unsecured, short-term loans intended to help clients repay existing debts secured by real property. Established in 1999 and headquartered in Guangzhou, CNFinance maintains a significant operational presence, with a network of 63 branches and sub-branches spread across approximately 50 cities in China. This network includes 14 locations within the Pearl River Delta region, 7 in the Yangtze River Delta region, and an additional 42 facilities in other parts of the country.