Welcome to our dedicated page for ONITY GROUP SEC filings (Ticker: ONIT), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Onity Group Inc. (NYSE: ONIT) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as filed with the U.S. Securities and Exchange Commission. As a Florida-incorporated, NYSE-listed mortgage finance company, Onity uses current reports on Form 8-K and other filings to report material events, financial results and key agreements related to its mortgage servicing and originations business.
In its Form 8-K filings, Onity has reported items such as quarterly results and business updates, including net income, originations volume, servicing unpaid principal balance, liquidity and non-GAAP measures like adjusted pre-tax income and adjusted return on equity. These filings often attach earnings press releases as exhibits and describe how management evaluates performance.
Other 8-Ks detail material definitive agreements and terminations, such as PHH Mortgage’s agreements with Finance of America Reverse to sell a reverse mortgage servicing portfolio and certain reverse originations assets while entering into a multi-year subservicing arrangement, or Rithm Capital Corp.’s decision not to renew subservicing agreements with PHH. Filings also cover board and governance changes, including the appointment of independent directors and related committee information.
On this page, users can review Onity’s quarterly (10-Q) and annual (10-K) reports when available, along with 8-Ks and other forms. Stock Titan’s tools surface new filings as they appear on EDGAR and offer AI-powered summaries to explain complex sections, such as mortgage servicing rights disclosures, capital structure changes, warrant exercises and risk factor discussions.
Investors researching ONIT can use this filings archive to understand how Onity describes its mortgage servicing and originations operations, subservicing relationships, non-GAAP metrics, liquidity and governance matters in official SEC documents, and to monitor ongoing regulatory and financial reporting over time.
Onity Group Inc. is a Florida-based financial services company that focuses on servicing and originating forward and reverse residential mortgages through its PHH Mortgage and Liberty Reverse Mortgage brands. Its core strategy centers on capital‑light growth, cost efficiency and dynamic management of mortgage servicing rights (MSRs).
The company operates three segments—Servicing, Originations and Corporate. As of December 31, 2025, Onity serviced and subserviced about 1.4 million loans with an unpaid principal balance of $328.3 billion, earning fees from both owned MSRs and subservicing for institutional clients. Originations are used primarily to replenish and grow the servicing and subservicing portfolios via retail, correspondent and wholesale channels, as well as bulk and flow MSR purchases and Agency Cash Window co‑issue programs.
Onity highlights significant client concentration and relationship shifts. Its largest subservicing client, Rithm Capital, accounted for $32.2 billion of UPB and 12% of servicing and subservicing fees in 2025 but has opted not to renew subservicing agreements effective January 31, 2026, prompting expected downsizing and repayment of portfolio float. A prior strategic alliance with Oaktree’s MSR vehicle MAV was largely unwound by late 2025, though PHH remains MAV’s exclusive subservicer through November 2029 for most MSRs. The 10‑K also emphasizes extensive regulatory oversight, multiple categories of risk—legal, liquidity, market, operational and credit—and outlines robust risk management, human capital, ESG and information‑security programs to support long‑term operations.
Onity Group Inc. reported a strong 2025 with net income attributable to common stockholders of $185 million and diluted EPS of $21.46, delivering a GAAP ROE of 35%. GAAP revenue rose 9% to $1.1 billion, while book value per share increased to $74, up $17 year over year.
Fourth quarter 2025 results were particularly strong, with net income of $126 million, diluted EPS of $14.24 and ROE of 89%, although adjusted pre-tax income was $9 million, reflecting notable MSR and runoff impacts. For 2025, adjusted pre-tax income was $82 million, producing a 17% adjusted pre-tax ROE.
Operationally, originations volume grew 43% to $43 billion, total servicing unpaid principal balance reached $328 billion, and total liquidity was $205 million as of December 31, 2025. The company also released a $120 million deferred tax valuation allowance, raised new capital, and continued deleveraging.
Onity’s Board authorized a share repurchase program of up to $10 million of common stock, running through August 2026 unless completed or amended earlier. Management’s 2026 outlook targets adjusted ROE of 13%–15% (16%–18% excluding the tax allowance release) and servicing UPB growth of 5%–15%.
Onity Group Inc. reported that its subsidiaries PHH Corporation and PHH Escrow Issuer LLC completed the issuance and sale of $200 million aggregate principal amount of 9.875% Senior Notes due 2029.
These PHH Senior Notes are an additional issuance that will form a single series and vote together with the existing $500.0 million aggregate principal amount of 9.875% Senior Notes due 2029 originally issued in November 2024 under the same Indenture structure.
Onity Group Inc. filed an update describing a completed debt financing by two of its subsidiaries. On January 30, 2026, PHH Corporation and PHH Escrow Issuer LLC closed a previously announced offering of 9.875% Senior Notes due 2029 with an aggregate principal amount of $200,000,000.
The company disclosed this transaction under a Regulation FD section and attached the related press release as an exhibit, indicating the information is being furnished for transparency rather than as a filing incorporated into other securities law documents.
Oaktree-affiliated entities report reduced ownership in Onity Group Inc. They disclose beneficial ownership of 390,836 shares of common stock, representing 4.8% of the class, based on 8,058,874 shares outstanding as of November 3, 2025. Opps OCW Holdings, LLC and ROF8 OCW MAV PT, LLC each directly hold 195,418 shares, or 2.4% of the class.
Brookfield Corporation and Partners Trust now report beneficial ownership of 0% and state they no longer act together with the Oaktree reporting persons. All reporting persons certify that the securities are not held for the purpose of changing or influencing control of Onity Group.
Onity Group Inc. reported that two of its subsidiaries, PHH Corporation and PHH Escrow Issuer LLC, have priced their previously announced offering of 9.875% Senior Notes due 2029 with an aggregate principal amount of $200,000,000. These notes are a form of debt that will require the subsidiaries to pay 9.875% interest until maturity in 2029.
The company noted that the notes have not been, and will not be, registered under the Securities Act of 1933 or the securities laws of any other jurisdiction, meaning they are being offered through a private placement rather than a public offering. Onity also furnished a press release as an exhibit providing further details on this financing transaction.
Onity Group Inc. released preliminary estimates for its fourth quarter and full-year 2025 results, showing net income attributable to common stockholders of $107–$131M for the quarter and $166–$190M for the year. Diluted EPS is estimated at $12.2–$15.0 for the quarter and $19.3–$22.1 for 2025, with adjusted pre-tax income (a non-GAAP measure) projected at $7–$11M for the quarter and $80–$84M for the year.
Results include an estimated $(13)–$(15)M accelerated servicing loss tied to a government shutdown and FHA modification changes, a $102–$122M deferred tax valuation allowance release, and significant legal and regulatory settlement expenses of $25–$24M for the year. Estimated adjusted return on equity is 5%–8% annualized for the quarter and 16%–17% for 2025, with book value per share of $71–$74.
Onity also reports total 2025 origination funded volume of approximately $43B UPB, average servicing UPB of about $312B, and ending available liquidity of $205M. Separately, subsidiaries PHH Corporation and PHH Escrow Issuer LLC commenced an offering of $150M additional 9.875% Senior Notes due 2029, to form a single series with an existing $500M issuance.
Onity Group Inc. reported an equity award to one of its directors. Dawn C. Morris received 1,010 restricted stock units (RSUs), each representing the right to receive one share of ONIT common stock for no additional payment. The RSUs are scheduled to vest on May 21, 2026, if service conditions related to her role as a director are met. The underlying shares will be delivered six months after her service as a director ends.
Onity Group Inc. filed a report describing changes to its Board of Directors. Dawn C. Morris, Founder and CEO of Growth Partners Group, LLC, has been appointed as a director effective January 1, 2026, temporarily increasing the Board size to nine members. The Board determined she is an independent director under New York Stock Exchange and SEC rules, including those for compensation and audit committee members.
Morris brings prior executive experience at several financial institutions and currently serves on multiple corporate boards. She will receive the same compensation as other non-management directors and will enter into a customary indemnification agreement with the company.
The filing also notes that director Dr. Jenne Britell will not stand for re-election at the 2026 annual shareholder meeting scheduled for May 19, 2026, and will serve until then. The Board plans to reduce its size to seven directors immediately before that meeting to reflect the planned departures of Dr. Britell and Dr. DeForest B. Soaries, Jr.
Onity Group Inc. reported that a new director, Dawn C. Morris, filed an initial statement of beneficial ownership for the company’s stock. The filing indicates that at the time she became a director of Onity Group Inc., she did not own any of the company’s securities. It also states that no securities are currently beneficially owned by her in either direct or indirect form. The form is signed on her behalf by an attorney-in-fact, referencing a separate power of attorney document.