{"id":62183,"date":"2026-01-28T03:05:04","date_gmt":"2026-01-28T02:05:04","guid":{"rendered":"https:\/\/housesmarketplace.com\/rocket-cfo-touts-all-weather-model-as-mortgage-market-improves\/"},"modified":"2026-01-28T03:05:04","modified_gmt":"2026-01-28T02:05:04","slug":"rocket-cfo-touts-all-weather-model-as-mortgage-market-improves","status":"publish","type":"post","link":"https:\/\/housesmarketplace.trio-tv.com\/ru\/rocket-cfo-touts-all-weather-model-as-mortgage-market-improves\/","title":{"rendered":"\u0424\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0439 \u0434\u0438\u0440\u0435\u043a\u0442\u043e\u0440 Rocket \u0440\u0435\u043a\u043b\u0430\u043c\u0438\u0440\u0443\u0435\u0442 \u00ab\u0432\u0441\u0435\u043f\u043e\u0433\u043e\u0434\u043d\u0443\u044e\u00bb \u043c\u043e\u0434\u0435\u043b\u044c \u043d\u0430 \u0444\u043e\u043d\u0435 \u0443\u043b\u0443\u0447\u0448\u0435\u043d\u0438\u044f \u0441\u0438\u0442\u0443\u0430\u0446\u0438\u0438 \u043d\u0430 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u043e\u043c \u0440\u044b\u043d\u043a\u0435."},"content":{"rendered":"
\n

Brian Brown, chief financial officer and treasurer for Rocket Companies<\/a><\/strong>, expects continued improvement in the mortgage market in 2026, building on momentum<\/a> that emerged in the second half of 2025.<\/p>\n

\u201cIf you look at the mortgage forecasts, it depends on which one you choose, but they\u2019re up anywhere from 8% to 25% based on the Fannie Mae<\/strong> and MBA<\/strong> numbers,\u201d Brown said during a webinar with Fitch Ratings<\/strong>. \u201cThat would be very good for this industry.\u201d<\/p>\n

Brown said 2025 ultimately resembled 2024, although conditions improved in the latter half of the year as inventory increased and mortgage rates<\/a> eased, but not \u201cas much as some of us would like.\u201d<\/p>\n

\u201cIn 2024, mortgage rates averaged around 7%, and when we look at [the end of] 2025, they were about 6.15%,\u201d Brown said. \u201cA 25- and 50-basis-point change makes a big difference in terms of affordability<\/a> to the average consumer, if you\u2019re in the buying process \u2014 and it also makes a big deal in terms of whether you\u2019re eligible for a rate-and-term refinance<\/a>.\u201d
\u00a0
Mortgage cycles do not shift overnight, Brown added, but incremental changes matter. He expects rates could dip into the 5% range by the end of this year.<\/p>\n

\u2018All-weather business\u2019<\/h2>\n

While Rocket will \u201ctake some help from the market,\u201d Brown said the company is very \u201cbullish\u201d on its positioning for 2026 following its acquisitions<\/a> of Redfin<\/strong> and Mr. Cooper<\/strong> in 2025.\u00a0<\/p>\n

\u201cRedfin has 50 million monthly active users,\u201d Brown said. \u201cNot all of them will buy a home this year, but based on our estimation, about 20% to 25% of all the people that will buy a home in a given year will have visited that Redfin site.\u201d\u00a0<\/p>\n

The company is building what Brown describes as an \u201call-weather business\u201d \u2014 one that benefits from servicing cash flows if rates stay higher for longer, and from recapture opportunities<\/a> if rates fall. On the servicing side, Rocket and Mr. Cooper together now service roughly one in every six mortgages in the U.S., he added.<\/p>\n

A key tailwind is consumers\u2019 heightened sensitivity to mortgage rates following the pandemic-era refinancing boom.<\/p>\n

\u201cThe number of inbound calls we get on a Fed meeting day \u2014 or when there\u2019s news about (Jerome) Powell or rate cuts<\/a> \u2014 is really substantial,\u201d Brown said. \u201cConsumers are much more tuned into their mortgage rate and understand that it doesn\u2019t take much, in terms of basis points, to make a transaction work.\u201d<\/p>\n

According to Brown, about 25% of Rocket\u2019s servicing portfolio carries rates above 6%, representing roughly $320 billion in unpaid principal balance. Brown said Rocket\u2019s ability to close loans in 10 to 14 days allows borrowers to realize savings sooner than they might through traditional financial institutions.<\/p>\n

\u201cWe didn\u2019t design the servicing<\/a> experience to make money from ancillary fees, because we know the bad downstream effect,\u201d Brown said. \u201cThe servicing asset is very valuable. We care deeply about it, but the opportunity to capture that next mortgage is four or five times the value of that servicing asset.<\/p>\n

\u201cAnd, by the way, when we do really good recapture, we replace that servicing asset with a brand new one at prevailing rates that, in some cases, is actually worth more.\u201d\u00a0<\/p>\n

Liquidity is king<\/h2>\n

Asked how Rocket manages downside risk, Brown emphasized liquidity \u2014 particularly the need to fund servicing advances. As of the third quarter of 2025, Rocket reported $9.3 billion in liquidity, including $6.2 billion in cash and $3.1 billion in available credit lines.<\/p>\n

\u201cThe thing about advances is, they\u2019re temporary,\u201d Brown said. \u201cIt could be maybe three to six to maybe nine months of cash outstanding, but that can peak at any given time. You have to measure your liquidity against the peak advances number, and that\u2019s really how we think about it, but we feel pretty good about where we stand there.\u201d<\/p>\n

Brown added that Rocket has invested in technology to automate loss-mitigation<\/a> workflows, allowing borrowers to select workout options more efficiently.<\/p>\n

Looking ahead, he expects continued consolidation<\/a> in a fragmented mortgage industry increasingly shaped by technology, artificial intelligence and scale advantages.<\/p>\n

\u201cIt surprises me that it took this long for consolidation to really begin,\u201d Brown said.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Brian Brown, chief financial officer and treasurer for Rocket Companies, expects continued improvement in the mortgage market in 2026, building on momentum that emerged in the second half of 2025. \u201cIf you look at the mortgage forecasts, it depends on which one you choose, but they\u2019re up anywhere from 8% to 25% based on the […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-62183","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"\nRocket CFO touts \u2018all-weather\u2019 model as mortgage market improves - Houses Marketplace<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/housesmarketplace.trio-tv.com\/ru\/rocket-cfo-touts-all-weather-model-as-mortgage-market-improves\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rocket CFO touts \u2018all-weather\u2019 model as mortgage market improves - Houses Marketplace\" \/>\n<meta property=\"og:description\" content=\"Brian Brown, chief financial officer and treasurer for Rocket Companies, expects continued improvement in the mortgage market in 2026, building on momentum that emerged in the second half of 2025. \u201cIf you look at the mortgage forecasts, it depends on which one you choose, but they\u2019re up anywhere from 8% to 25% based on the […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/housesmarketplace.trio-tv.com\/ru\/rocket-cfo-touts-all-weather-model-as-mortgage-market-improves\/\" \/>\n<meta property=\"og:site_name\" content=\"Houses Marketplace\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-28T02:05:04+00:00\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u041d\u0430\u043f\u0438\u0441\u0430\u043d\u043e \u0430\u0432\u0442\u043e\u0440\u043e\u043c\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u041f\u0440\u0438\u043c\u0435\u0440\u043d\u043e\u0435 \u0432\u0440\u0435\u043c\u044f \u0434\u043b\u044f \u0447\u0442\u0435\u043d\u0438\u044f\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 \u043c\u0438\u043d\u0443\u0442\u044b\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/housesmarketplace.trio-tv.com\\\/ru\\\/rocket-cfo-touts-all-weather-model-as-mortgage-market-improves\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/housesmarketplace.trio-tv.com\\\/ru\\\/rocket-cfo-touts-all-weather-model-as-mortgage-market-improves\\\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\\\/\\\/housesmarketplace.trio-tv.com\\\/#\\\/schema\\\/person\\\/1276f6cf52b5de6bd341c72ea8c75b0b\"},\"headline\":\"Rocket CFO touts \u2018all-weather\u2019 model as mortgage market improves\",\"datePublished\":\"2026-01-28T02:05:04+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/housesmarketplace.trio-tv.com\\\/ru\\\/rocket-cfo-touts-all-weather-model-as-mortgage-market-improves\\\/\"},\"wordCount\":681,\"articleSection\":[\"Uncategorized\"],\"inLanguage\":\"ru-RU\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/housesmarketplace.trio-tv.com\\\/ru\\\/rocket-cfo-touts-all-weather-model-as-mortgage-market-improves\\\/\",\"url\":\"https:\\\/\\\/housesmarketplace.trio-tv.com\\\/ru\\\/rocket-cfo-touts-all-weather-model-as-mortgage-market-improves\\\/\",\"name\":\"Rocket CFO touts \u2018all-weather\u2019 model as mortgage market improves - 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