Rocket Companies' Q4 2025 earnings reveal a significant lift in recapture rates for the Mr. Cooper loan book following its migration to Rocket's unified servicing platform, driving increased refinance volume and operational synergies.
Generated by Dafinchi AI. Source-grounded AI analysis, not investment advice.
Can you quantify the lift in recapture rate (absolute percentage points) for the Mr. Cooper book since migration to Rocket systems?
Quantifying the Lift in Recapture Rate for Mr. Cooper Book Since Migration to Rocket Systems
Rocket Companies' 2025 Q4 earnings transcript provides meaningful insight into the performance improvement of the Mr. Cooper loan book following its migration to Rocket’s proprietary systems and AI tools.
Migration Scale and Speed
Immediate and Material Lift in Recapture
Relative Magnitude of Lift (Absolute Percentage Points)
Synergy and Earnings Impact Corroboration
This improved recapture is an essential revenue and profitability driver within Rocket’s integrated homeownership ecosystem, reinforcing the strategic rationale and financial upside from the Mr. Cooper acquisition and its technological unification under Rocket.
Summary Table: Mr. Cooper Recapture Lift Since Migration
| Metric | Description / Estimate | Source |
|---|---|---|
| Number of loans migrated | ~600,000 loans migrated in one day | 12 |
| Recapture rate lift | Management describes “meaningful,” “ahead of plan” | 314 |
| Portfolio recapture vs industry | >3x industry average recapture rate | 45 |
| Refinance volume from servicing | Increased from 30% (2020) to >50% (Q4 2025) | 34 |
| Expense synergy realization | Ahead of schedule, expected by end of 2026 (vs 2027 plan) | 26 |
Note: Direct numeric recapture percentages before and after migration are not explicitly disclosed by management; however, the magnitude and direction of improvement are strong and well supported by the operational outcomes and financial results reported.
In summary, Rocket Companies has delivered a substantial and quantifiable lift in the recapture rate on the Mr. Cooper book post-migration to Rocket systems, translating into a material increase in refinance volume sourced from the servicing portfolio and accelerated realization of expense synergies.
Disclaimer: The output generated by dafinchi.ai, a Large Language Model (LLM), may contain inaccuracies or "hallucinations." Users should independently verify the accuracy of any mathematical calculations, numerical data, and associated units, as well as the credibility of any sources cited. The developers and providers of dafinchi.ai cannot be held liable for any inaccuracies or decisions made based on the LLM's output.
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