Welcome to our dedicated page for Rocket Companies SEC filings (Ticker: RKT), 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 SEC filings of Rocket Companies, Inc. (NYSE: RKT) provide detailed insight into its mortgage-focused financial services operations, capital structure, and corporate transactions. As a Delaware corporation with Class A common stock listed on the New York Stock Exchange, Rocket Companies files current reports on Form 8-K and related amendments that describe material events affecting the company and its subsidiaries.
Recent Rocket Companies filings highlight several key themes. Multiple Forms 8-K describe master repurchase agreements and related amendments entered into by Rocket Mortgage, LLC, a Michigan limited liability company and indirect subsidiary of Rocket Companies, and by One Reverse Mortgage, LLC. These filings explain extensions of expiration dates, technical changes to agreements with counterparties such as UBS AG New York Branch, Morgan Stanley Bank, N.A., and Bank of America, N.A., and disclose the company’s total funding capacity across master repurchase agreements, early funding facilities, unsecured lines of credit, MSR lines of credit, and early buyout facilities.
Other filings detail capital markets and credit arrangements. A Form 8-K dated October 1, 2025 describes exchange offers for existing senior notes originally issued by Nationstar Mortgage Holdings Inc. and the issuance of new senior notes due 2029 and 2032 by Rocket Companies. The filing also outlines supplemental indentures under which Rocket Mortgage, Redfin Corporation, and subsidiaries associated with Mr. Cooper guarantee Rocket’s senior notes and Rocket Mortgage’s senior notes. Another section of the same filing explains a Revolving Credit Agreement and a Borrower Accession Agreement through which Rocket Companies became the borrower under a revolving credit facility and increased the aggregate commitment.
Rocket’s SEC filings also document mergers and acquisitions. The October 1, 2025 Form 8-K and an October 10, 2025 Form 8-K/A describe the completion of the acquisition of Mr. Cooper Group Inc. through a series of mergers, the exchange ratio of Rocket Class A common stock issued to Mr. Cooper stockholders, and the filing of unaudited pro forma condensed combined financial statements. These disclosures help investors understand how the acquisition affects Rocket’s financial profile and corporate structure.
In addition, Rocket Companies uses Form 8-K to furnish earnings releases and supplemental financial information, as seen in the October 30, 2025 filing, and to address governance and procedural updates, such as the December 22, 2025 filing correcting the deadline for stockholder proposals under Rule 14a-8. On Stock Titan’s filings page, these documents are presented with real-time updates from EDGAR and AI-powered summaries that explain key terms, obligations, and structural changes, helping readers quickly interpret complex agreements, note indentures, and acquisition details.
Rock Holdings Inc. (RHI) has filed Amendment No. 2 to Schedule 13G regarding Rocket Companies, Inc. (NYSE: RKT). The filing states that, following Rocket’s previously announced “Up-C” collapse completed on 30 June 2025, RHI now beneficially owns 0 shares of Rocket’s Class A common stock, equivalent to 0 % of the outstanding class. Under the Transaction Agreement dated 9 March 2025, Eclipse Sub, Inc. first merged with RHI and RHI shareholders exchanged each RHI share for 56.54 newly issued Rocket Class L common shares. Immediately thereafter, RHI merged into Rocket GP, LLC. Consequently, RHI reports no sole or shared voting or dispositive power over Rocket securities and qualifies for “ownership of 5 % or less” under Item 5 of Regulation 13D-G. The certification is signed by Treasurer & CFO Matthew Rizik on 8 July 2025.
Rocket Companies, Inc. (NYSE: RKT) – Schedule 13D filing dated 07/08/2025
The filing discloses the share ownership positions of Daniel Gilbert (Chairman), the Daniel Gilbert Trust #1, and Jennifer Gilbert (director) following the 30 June 2025 collapse of the company’s “Up-C” structure. The transaction exchanged Rock Holdings Inc. (RHI) shares and Class D common stock for newly created Class L-1 and Class L-2 common stock.
- Daniel Gilbert beneficially owns 1,608,089,722 shares (76.45 % of the Class A equivalent) comprising 996.8 M sole-vote shares and 611.3 M shared-vote shares. His stake includes direct holdings, trust holdings, shares subject to an irrevocable proxy from Jennifer Gilbert, and shares controlled under voting agreements with senior executives.
- Daniel Gilbert Trust #1 owns 140,215,280 shares (6.67 %).
- Jennifer Gilbert owns 314,055,385 shares (14.93 %), all subject to Daniel Gilbert’s voting control via an irrevocable proxy.
Capital-structure implications
- The new classes come with transfer restrictions: Class L-1 locked until 30 Jun 2026, Class L-2 until 30 Jun 2027.
- Each Class L share converts 1-for-1 into Class A common stock after the lock-up or immediately prior to transfer, introducing a potential 1.85 B incremental Class A shares—> an ≈12× increase versus the 151.3 M Class A shares outstanding as of 2 May 2025.
- Automatic conversion of all Class L shares will occur on the later of 30 Jun 2027 or when Class L voting power falls below 79 %.
Governance & agreements
- Daniel Gilbert retains majority voting control and can unilaterally approve or block shareholder actions.
- Key contracts remain in force: Registration Rights Agreement (Aug 2020), a new Letter Agreement preserving information rights, irrevocable proxy from Jennifer Gilbert, and Voting Agreements with 12 senior insiders aligning their votes with Gilbert.
Investor takeaway: The Up-C collapse simplifies the tax and ownership structure but keeps founder control intact and sets up a material future float expansion once Class L shares convert. Minority investors face significant potential dilution and continuing governance concentration.
Rocket Companies, Inc. (RKT) filed a Form 4 showing director Matthew Rizik received 6,372,010 new Class L shares on 30 June 2025 as part of the company’s completed Up-C structure collapse.
The issuance consists of 3,186,005 Class L-1 and 3,186,005 Class L-2 shares, all acquired at $0 cost. Class L-1 shares are locked until 30 June 2026, while Class L-2 shares are locked until 30 June 2027. After the respective lock-ups, each share can convert 1-for-1 into Class A common stock, or will automatically convert immediately prior to most transfers. Additionally, all Class L shares will automatically convert to Class A when they hold less than 79 % of total voting power after 30 June 2027.
Following the transaction, Rizik beneficially owns 1,033,184 Class A shares (including 293,574 unvested RSUs) plus the newly issued Class L shares, all held directly.
Investor takeaways: The Up-C collapse simplifies Rocket’s capital structure and aligns insiders’ economic interests with public shareholders. However, the creation of 6.37 million convertible shares introduces a future supply overhang that could dilute Class A holders once lock-ups expire in 2026-2027.