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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934
Date of Report (date of earliest event reported)
July 16, 2026
| Rocket
Companies, Inc. |
| (Exact name of registrant as specified in its charter) |
| Delaware |
001-39432 |
84-4946470 |
(State or other jurisdiction
of incorporation) |
(Commission
File Number) |
(I.R.S. Employer
Identification No.) |
|
1050 Woodward Avenue
Detroit, MI 48226 |
| (Address of principal executive offices) (Zip Code) |
| |
| (313) 373-7990 |
| (Registrant’s Telephone Number, Including Area Code) |
| |
| |
| (Former Name or Former Address, if Changed Since Last Report) |
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
| ☐ |
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) |
| |
|
| ☐ |
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) |
| |
|
| ☐ |
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) |
| |
|
| ☐ |
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) |
Securities
registered pursuant to Section 12(b) of the Act:
| Title of each class |
|
Trading Symbol |
|
Name of each exchange on which registered |
| Class A common stock,
par value $0.00001 per share |
|
RKT |
|
New York Stock Exchange |
Indicate by check mark whether the
registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405)
or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).
Emerging growth company ☐
If an emerging growth company, indicate
by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial
accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
| Item 1.01 | Entry into Material Definitive Agreement. |
On July 16, 2026 (the “Closing Date”), Rocket Companies,
Inc. (the “Company”), a Delaware corporation, as borrower, entered into a new Revolving Credit Agreement (the “2026
Credit Agreement”) with the lenders party thereto, JPMorgan Chase Bank, N.A., as administrative agent (the “Administrative
Agent”), and the other parties party thereto, with an initial aggregate commitment of $2.5 billion maturing on July 16, 2029.
Proceeds of the borrowings under the 2026 Credit Agreement will
be used for general corporate purposes. Borrowings under the 2026 Credit Agreement are unsecured and will bear interest at a rate equal
to a base rate (which may include a term SOFR rate) plus an applicable margin. In addition, the 2026 Credit Agreement requires the Company
to pay a commitment fee (determined based on the Company’s corporate credit rating) in respect of the unused commitments under the
2026 Credit Agreement.
The 2026 Credit Agreement contains certain customary events of default,
including in the event of a change of control, and certain covenants and restrictions that limit the Company’s and its subsidiaries’
ability to, among other things, incur additional debt; create liens on certain assets; pay dividends on or make distributions in respect
of their capital stock or make other restricted payments; consolidate, merge, sell, or otherwise dispose of all or substantially all of
their assets; and enter into certain transactions with their affiliates.
The Company is also subject to certain financial maintenance covenants
under the 2026 Credit Agreement, which require the Company and its subsidiaries to not exceed specified net leverage and corporate net
debt ratios at the end of each fiscal quarter, and to maintain minimum liquidity and tangible net worth.
If the Company fails to perform its obligations under these and
other covenants, or should any event of default occur, the revolving loan commitments under the 2026 Credit Agreement may be terminated
and any outstanding borrowings, together with accrued interest, under the 2026 Credit Agreement could be declared immediately due and
payable.
The foregoing description of the 2026 Credit Agreement does not
purport to be complete and is subject to, and qualified in its entirety by reference to the full text of the 2026 Credit Agreement, a
copy of which will be filed with the quarterly report on Form 10-Q of Rocket Companies, Inc.
| Item 1.02 | Termination of a Material Definitive Agreement. |
On the Closing Date, the Company terminated the Revolving Credit
Agreement, dated as of April 30, 2025 (the “2025 Credit Agreement”), among the Company, Rocket Mortgage, LLC, the guarantors
party thereto, the lenders party thereto and JPMorgan Chase Bank, N.A., as supplemented by that certain Guarantor Supplement, dated as
of October 1, 2025. No early termination penalties or prepayment premium were incurred by the Company in connection with the termination
of the 2025 Credit Agreement.
| Item 2.03 | Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. |
The information contained under Item 1.01 above is hereby incorporated
in this Item 2.03 by reference.
SIGNATURES
Pursuant to the requirements of the Securities
Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
Dated: July 16, 2026
| |
ROCKET COMPANIES, INC. |
|
| |
|
|
|
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By: |
/s/ Noah Edwards |
|
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Name: |
Noah Edwards |
|
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Title: |
Chief Accounting Officer |
|
