[Form 4] Rocket Companies, Inc. Insider Trading Activity

Rhea-AI Filing Summary

Rocket Companies, Inc. (RKT) reported an award of 107,891 restricted stock units (RSUs) to Heather M. Lovier, its Chief Operating Officer, in a transaction dated 10/08/2025. Each RSU converts to one share of Class A common stock upon vesting and the grant was made under the 2020 Omnibus Incentive Plan in a transaction exempt under Rule 16b-3. The RSUs carry a grant price of $0 to the reporting person and will vest in six equal, semi-annual installments over three years, with the initial vesting on 04/07/2026 and subsequent vesting each April 7 and October 7. Following the grant, the reporting person beneficially owns 707,694 shares of Class A common stock. The filing was signed on 10/10/2025 by an attorney-in-fact.

Positive

• Large RSU award of 107,891 shares aligns COO incentives with shareholders
• Staggered vesting over three years promotes retention (six semi-annual installments)
• Transaction exempt under Rule 16b-3, indicating standard compensation treatment

Negative

• Potential dilution when 107,891 RSUs vest and convert to Class A shares
• Vesting contingent on continued employment, creating concentrated future insider holdings that may be sold upon vesting

Insights

Compensation Analyst

RSU award aligns executive pay with long-term equity retention.

The grant of 107,891 RSUs to the COO is a standard equity-based compensation tool to retain senior management and align incentives with shareholder value. The award is structured to vest over three years in six semi-annual installments beginning 04/07/2026, which phases delivery and ties retention to continued employment.

This structure reduces immediate selling pressure but creates scheduled dilution upon vesting; monitor outstanding share count and subsequent Form 4s over the next three years for realized share deliveries and any planned hedging or sales.

Corporate Governance Analyst

Filing shows routine, Rule 16b-3 exempt insider equity grant by an officer.

The RSUs were granted under the issuer's 2020 Omnibus Incentive Plan and reported on a Form 4, indicating compliance with Section 16 reporting. The transaction is recorded as exempt under Rule 16b-3, common for bona fide compensation plans.

Investors can track governance implications via future disclosures: the vesting schedule spans to 10/07/2028 (three years from grant), so subsequent executive disclosures and proxy statements may show cumulative compensation impact for upcoming fiscal years.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Lovier Heather M.

(Last) (First) (Middle)

C/O ROCKET COMPANIES, INC.

1050 WOODWARD AVENUE

(Street)

DETROIT MI 48226

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Rocket Companies, Inc. [ RKT ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Operating Officer

3. Date of Earliest Transaction (Month/Day/Year)
10/08/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Class A common stock	10/08/2025		A		107,891(1)	A	$0	707,694	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Represents restricted stock units ("RSUs") granted under the Rocket Companies, Inc. 2020 Omnibus Incentive Plan in a transaction exempt under Rule 16b-3. Each RSU represents the contingent right to receive one share of Class A common stock of the Issuer for each vested RSU. The RSUs were granted to the Reporting Person on October 8, 2025 and will vest in six equal, semi-annual installments over three years on each April 7 and October 7, with the initial vesting date on April 7, 2026, subject to the Reporting Person's continued employment on the applicable vesting date.

Remarks:

	/s/ Tina V. John, attorney in fact	10/10/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did Heather M. Lovier (COO) receive in the Form 4 for RKT?

The filing reports a grant of 107,891 restricted stock units (RSUs) dated 10/08/2025; each RSU converts to one share of Class A common stock upon vesting.

When do the RSUs granted to the RKT COO begin to vest?

The RSUs vest in six equal, semi-annual installments over three years, starting on 04/07/2026, with subsequent vesting each April 7 and October 7.

How many RKT shares does the reporting person own after the grant?

Following the reported transaction, the reporting person beneficially owns 707,694 shares of Class A common stock.

Was the RSU grant reported as a purchase requiring payment?

The grant shows a price of $0 to the reporting person, consistent with RSUs awarded as compensation rather than purchased shares.

Under what plan were the RSUs granted?

The RSUs were granted under the Rocket Companies, Inc. 2020 Omnibus Incentive Plan in a transaction exempt under Rule 16b-3.