{"id":1017459,"date":"2026-11-05T06:56:02","date_gmt":"2026-11-05T11:56:02","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/onity-group-announces-third-quarter-2026-results\/"},"modified":"2026-11-05T06:56:02","modified_gmt":"2026-11-05T11:56:02","slug":"onity-group-announces-third-quarter-2026-results","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/onity-group-announces-third-quarter-2026-results\/","title":{"rendered":"Onity Group Announces Third Quarter 2026 Results"},"content":{"rendered":"<h2>\nBalanced business, led by Servicing, drove improved profitability in the quarter<br \/>\n<\/h2>\n<div class=\"mw_release\">\n<p>WEST PALM BEACH, Fla., Nov.  05, 2026  (GLOBE NEWSWIRE) &#8212; <a href=\"https:\/\/www.globenewswire.com\/Tracker?data=u83DytRTVR1HxVAcqm-Xi-AjhlcqxA6t_-BgdSNs0Why9ZEk0q2WmPqRK2nKqarhhRN0cibOavsVdTTkS5J5R-g71dm-i0c_uOiqxCQILM8=\" rel=\"nofollow\" target=\"_blank\">Onity Group Inc.<\/a> (NYSE: ONIT) (\u201cOnity\u201d or the \u201cCompany\u201d) today announced its third quarter 2026 results.<\/p>\n<p>\n        <strong>Third Quarter 2026:<\/strong>\n      <\/p>\n<ul type=\"disc\">\n<li>Net income attributable to common stockholders of $3 million; diluted EPS of $0.41; ROE of 2%<\/li>\n<li>Net income includes $11 million pre-tax, or $0.95 per share after-tax, unfavorable impact of market volatility on hedge costs and Agency loan sales versus the second quarter<\/li>\n<li>Adjusted pre-tax income* of $30 million, resulting in annualized adjusted ROE* of 19%<\/li>\n<li>Record operating efficiency ratio of 51% for the quarter and 52% over the last 12 months<\/li>\n<li>$24.7 billion in total servicing additions; $343 billion in servicing UPB at quarter end, up 9% vs Q3 2025<\/li>\n<\/ul>\n<p>\n        <strong>2026 Outlook:<\/strong>\n      <\/p>\n<ul>\n<li>Reaffirming previous guidance on adjusted ROE range, servicing UPB growth, MSR hedge effectiveness, and operating efficiency<\/li>\n<\/ul>\n<p>Glen A. Messina, Chair, President and CEO of Onity Group, said, \u201cOur third quarter results demonstrate the resilience of our balanced business and the progress we made to improve returns on a sequential quarter basis. Servicing profitability improved sequentially, more than offsetting declining Originations profitability. In a market environment that is increasingly favorable for Servicing and more challenging for Originations, our complementary businesses returned the Company to profitability and more than doubled adjusted return on equity from the prior quarter.\u201d<\/p>\n<p>Messina continued, \u201cLooking ahead, we are confident in Onity\u2019s ability to perform through the interest rate cycle. With a sound strategy and proven track record of execution, we believe we are well positioned to navigate market challenges, capitalize on attractive opportunities and create value for shareholders.\u201d<\/p>\n<p>\n        <strong>Additional Third Quarter 2026 Operating and Business Highlights <\/strong>\n      <\/p>\n<ul type=\"disc\">\n<li>Servicing pre-tax income of $7 million; adjusted pre-tax income* of $29 million, up more than 2.4x vs Q2 2026<\/li>\n<li>Originations pre-tax income of $24 million; adjusted pre-tax income* of $24 million, down 15% vs Q2 2026<\/li>\n<li>$53 billion in subservicing additions as of September 30, 2026, exceeding full year target<\/li>\n<li>Servicing advances decreased 28% vs Q3 2024 to $375 million, while owned forward servicing UPB increased 49% vs Q3 2024 to $179 billion<\/li>\n<li>Refinance recapture rate of 57%, up 18 percentage points vs Q3 2025<\/li>\n<li>Repurchased 457,971 shares of Onity common stock through September 30, 2026 (6% of shares outstanding), improving book value per share by $1.82<\/li>\n<li>Book value per share of $74, up $12 compared to Q3 2025<\/li>\n<\/ul>\n<p>\n        <em>* See \u201cNote Regarding Non-GAAP Financial Measures\u201d below.<\/em>\n      <\/p>\n<p>\n        <strong>Webcast and Conference Call<\/strong>\n      <\/p>\n<p>Onity will hold a conference call on Thursday, November 5, 2026, at 8:30 a.m. (ET) to review the Company\u2019s third quarter 2026 operating results. All interested parties are welcome to participate. You can access the conference call by dialing (833) 309-3473 or (785) 838-9251 approximately 10 minutes prior to the call; please reference the conference ID \u201cOnity.\u201d Participants can also access the conference call through a live audio webcast available from the Shareholder Relations page at <a href=\"https:\/\/www.globenewswire.com\/Tracker?data=7nmjfHda8s3nzRgvYsG5j1csW-p8BCHhYQ8y_E05XTJUgNfbMdWQIDUsn6HH1msSTTbe8__2Jq1zTB6aJPf5bVYjOvgbwnsht7Dhe_mdxzE=\" rel=\"nofollow\" target=\"_blank\">onitygroup.com<\/a> under Events and Presentations. An investor presentation will accompany the conference call and be available by visiting the Shareholder Relations page at\u00a0<a href=\"https:\/\/www.globenewswire.com\/Tracker?data=7nmjfHda8s3nzRgvYsG5j3AoezOxhZv8oYZu-q6nHqEAPFOmbwjWeVXH23BlDNBqujaVDDGan0IoavD_2qIS4KwqmuDq38J4B5Pa0wFtda0=\" rel=\"nofollow\" target=\"_blank\">onitygroup.com<\/a> prior to the call. A replay of the conference call will be available via the website approximately two hours after the conclusion of the call. A telephonic replay will also be available approximately three hours following the call\u2019s completion through November 19, 2026, by dialing (844) 512-2921 or (412) 317-6671; please reference access code 11162788.<\/p>\n<p>\n        <strong>About Onity Group<\/strong>\n      <\/p>\n<p>Onity Group Inc. (NYSE: ONIT) is a leading non-bank financial services company delivering mortgage servicing and originations solutions through Onity Mortgage Corporation. As one of the largest mortgage servicers in the country, we help consumers and business clients achieve their homeownership and financial goals with a wide range of servicing and lending programs powered by a technology-enabled, customer-centric platform. Headquartered in West Palm Beach, Florida, with offices and operations in the United States, the U.S. Virgin Islands, India and the Philippines, we have been serving our customers since 1988. For additional information, please visit <a href=\"https:\/\/www.globenewswire.com\/Tracker?data=7nmjfHda8s3nzRgvYsG5j7O05ZaBJc13VPftSQd_y8DT0EwqoraBXjWsqVi7kvunzy-qr-Mj4ANlXVi2b08gZ1MmdemCntW6hELqPHLPMl8=\" rel=\"nofollow\" target=\"_blank\">onitygroup.com<\/a> or <a href=\"https:\/\/www.globenewswire.com\/Tracker?data=7nmjfHda8s3nzRgvYsG5j_lE1n_22X8zqH02w4g3rqmYKv5c8KtBQ7kCdqOYlFkzzYGNZJ9RnwzOkY_qOrVf0Z33TFufKdqm5jJmqgH1ngc=\" rel=\"nofollow\" target=\"_blank\">onitymortgage.com<\/a>.<\/p>\n<p>\n        <strong>Forward Looking Statements<\/strong>\n      <\/p>\n<p>This press release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements may be identified by a reference to a future period or by the use of forward-looking terminology. Forward-looking statements are typically identified by words such as \u201cexpect\u201d, \u201cbelieve\u201d, \u201cforesee\u201d, \u201canticipate\u201d, \u201cintend\u201d, \u201cestimate\u201d, \u201cgoal\u201d, \u201cstrategy\u201d, \u201cplan\u201d \u201ctarget\u201d and \u201cproject\u201d or conditional verbs such as \u201cwill\u201d, \u201cmay\u201d, \u201cshould\u201d, \u201ccould\u201d or \u201cwould\u201d or the negative of these terms, although not all forward-looking statements contain these words, and includes statements in this press release regarding our guidance on adjusted ROE, UPB growth, MSR hedge rate effectiveness and operating efficiency, and our ability to perform through the interest rate cycle, navigate market challenges, capitalize on attractive opportunities and create value for shareholders. Forward-looking statements by their nature address matters that are, to different degrees, uncertain. Readers should bear these factors in mind when considering such statements and should not place undue reliance on such statements.<\/p>\n<p>Forward-looking statements involve a number of assumptions, risks and uncertainties that could cause actual results to differ materially. In the past, actual results have differed from those suggested by forward looking statements and this may happen again. Important factors that could cause actual results to differ materially from those suggested by the forward-looking statements include, but are not limited to, the potential for ongoing disruption in the financial markets and in commercial activity generally as a result of U.S. and global political events, changes in monetary and fiscal policy, and other sources of instability; the impacts of inflation, employment disruption, and other financial difficulties facing our borrowers;\u00a0the adequacy of our financial resources, including our ability to sell, fund and recover servicing advances, whole loans, future draws on existing reverse loans, and HECM and forward loan buyouts and put backs, as well as repay, renew and extend borrowings, borrow additional amounts when required, meet our asset investment objectives and comply with our debt agreements, including the financial and other covenants contained in them; our ability to interpret correctly and comply with current or future liquidity, net worth and other financial and other requirements of regulators, the Federal National Mortgage Association (Fannie Mae), and Federal Home Loan Mortgage Corporation (Freddie Mac) (together, the GSEs), and the Government National Mortgage Association (Ginnie Mae); the timing for implementation of our technology and AI-based initiatives and the extent to which they contribute to our future success; breach or failure of Onity\u2019s, our contractual counterparties\u2019, or our vendors\u2019 information technology or other security systems or privacy protections, including any failure to protect customers\u2019 data, resulting in disruption to our operations, loss of income, reputational damage, costly litigation and regulatory penalties; our reliance on our technology vendors to adequately maintain and support our systems, including our servicing systems, loan originations and financial reporting systems, and uncertainty relating to our ability to transition to alternative vendors, if necessary, without incurring significant cost or disruption to our operations; our ability to close MSR and other transactions; our ability to grow our reverse servicing business; the extent to which acquisitions and other strategic initiatives will contribute to achieving our growth objectives; increased servicing costs based on increased borrower delinquency levels or other factors; uncertainty related to past, present or future claims, litigation, cease and desist orders and investigations regarding our servicing, foreclosure, modification, origination and other practices brought by government agencies and private parties, including state regulators, the Consumer Financial Protection Bureau (CFPB), State Attorneys General, the Securities and Exchange Commission (SEC), the Department of Justice or the Department of Housing and Urban Development (HUD); the reactions of key counterparties, including lenders, the GSEs and Ginnie Mae, to our regulatory engagements and litigation matters; increased regulatory scrutiny and media attention; any adverse developments in existing legal proceedings or the initiation of new legal proceedings; our ability to effectively manage our regulatory and contractual compliance obligations; our ability to comply with our servicing agreements, including our ability to maintain our seller\/servicer and other statuses with the GSEs and Ginnie Mae; our servicer and credit ratings as well as other actions from various rating agencies, including any future downgrades; as well as other risks and uncertainties detailed in our reports and filings with the SEC, including our annual report on Form 10-K for the year ended December 31, 2025. Anyone wishing to understand Onity\u2019s business should review our SEC filings. Our forward-looking statements speak only as of the date they are made and, we disclaim any obligation to update or revise forward-looking statements whether as a result of new information, future events or otherwise.<\/p>\n<p>\n        <strong>Note Regarding Non-GAAP Financial Measures<\/strong>\n      <\/p>\n<p>This press release contains references to adjusted pre-tax income (loss), and adjusted ROE, both non-GAAP financial measures.<\/p>\n<p>We believe these non-GAAP financial measures provide a useful supplement to discussions and analysis of our financial condition, because they are measures that management uses to assess the financial performance of our operations and allocate resources. In addition, management believes that this presentation may assist investors with understanding and evaluating our initiatives to drive improved financial performance. Management believes, specifically, that the removal of fair value changes of our net MSR exposure due to changes in market interest rates and assumptions provides a useful, supplemental financial measure as it enables an assessment of our ability to generate earnings regardless of market conditions and the trends in our underlying businesses by removing the impact of fair value changes due to market interest rates and assumptions, which can vary significantly between periods.<\/p>\n<p>Beginning with the three months ended June 30, 2026, for purposes of calculating Income Statement Notables and Adjusted Pre-Tax Income, we changed the methodology used to calculate MSR Valuation Adjustments due to rates and assumption changes by including as Income Statement Notables (and therefore excluding from Adjusted Pre-Tax Income) the impact of non-UPB collateral changes such as delinquency status, borrower escrow payments and balances and loan aging. We made this change because management believes that this runoff calculation more closely reflects the actual runoff of the UPB measured in fair value in isolation. In addition, this change is responsive to investor requests to simplify our presentation of operating results, and we believe this presentation is consistent with the approach utilized by certain of our peer companies within our industry.<\/p>\n<p>However, our non-GAAP measures should not be analyzed in isolation or as a substitute to analysis of our GAAP pre-tax income (loss), or GAAP pre-tax ROE nor a substitute for cash flows from operations. There are certain limitations to the analytical usefulness of the adjustments we make to GAAP pre-tax income (loss), and GAAP pre-tax ROE and, accordingly, we use these adjustments only for purposes of supplemental analysis. Non-GAAP financial measures should be viewed in addition to, and not as an alternative for, Onity\u2019s reported results under accounting principles generally accepted in the United States. Other companies may use non-GAAP financial measures with the same or similar titles that are calculated differently to our non-GAAP financial measures. As a result, comparability may be limited. Readers are cautioned not to place undue reliance on analysis of the adjustments we make to GAAP pre-tax income (loss), and GAAP pre-tax ROE.<\/p>\n<p>The Company has not provided reconciliations of guidance for adjusted ROE, in reliance on the unreasonable efforts exception provided under Item 10(e)(1)(i)(B) of Regulation S-K. The Company is unable, without unreasonable efforts, to forecast certain items required to develop meaningful comparable GAAP financial measures. These items include the change in fair value of our net MSR exposure due to changes in market interest rates and assumptions which can vary significantly between periods and are difficult to predict in advance in order to include in a GAAP estimate.<\/p>\n<p>\n        <strong>Notables<\/strong>\n      <\/p>\n<p>In the table below, we adjust GAAP pre-tax income for the following factors: MSR valuation adjustments, expense notables, and other income statement notables. MSR valuation adjustments are comprised of changes to Forward MSR and Reverse mortgage valuations due to rates and assumption changes. Expense notables include significant legal and regulatory settlement expenses, severance and retention costs, LTIP stock price changes, consolidation of office facilities and other expenses (such as costs associated with strategic transactions). Other income statement notables include non-routine transactions that are not categorized in the above.<\/p>\n<p>Beginning with the three months ended December 31, 2025, for purposes of calculating Adjusted ROE, we changed the methodology used to calculate adjusted average equity to a monthly average. We made this change to improve the accuracy of net income impact on equity. See calculations preceding \u201cAverage Adjusted Equity\u201d in the \u201cAdjusted ROE Calculation\u201d table below.<\/p>\n<p>In addition, as noted above, beginning with the three months ended June 30, 2026, for the purposes of calculating MSR Valuation Adjustments, we now include the impact of non-UPB collateral changes such as delinquency status, borrower escrow payments and balances and loan aging. See calculations preceding \u201cTotal MSR Valuation Adjustments due to rates and assumption changes, net\u201d in the \u201cNotables\u201d table below.<\/p>\n<p>\n        <strong>Adjusted PTI Calculation: Total Onity<\/strong>\n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td colspan=\"2\" style=\"border-top: solid black 1pt;border-right: solid black 1pt;border-left: solid black 1pt;border-bottom: solid black 1pt;vertical-align: bottom\">\n            <strong><br \/>\n              <em>(Dollars in millions)<\/em><br \/>\n            <\/strong>\n          <\/td>\n<td style=\"border-top: solid black 1pt;border-right: solid black 1pt;text-align: center;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\n            <strong>Q3\u201926<\/strong>\n          <\/td>\n<td style=\"border-top: solid black 1pt;border-right: solid black 1pt;text-align: center;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\n            <strong>Q2\u201926<\/strong>\n          <\/td>\n<td style=\"border-top: solid black 1pt;border-right: solid black 1pt;text-align: center;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: bottom\">\n            <strong>Q3\u201925<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:3%;width:3%;min-width:3%;border-left: solid black 1pt\">\n            <strong>I<\/strong>\n          <\/td>\n<td style=\"max-width:64%;width:64%;min-width:64%;border-right: solid black 1pt\">\n            <strong>Net Income (Loss) Attributable to Common Stockholders<\/strong>\n          <\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>3<\/strong>\n          <\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>(13<\/strong><br \/>\n            <strong>)<\/strong>\n          <\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>18<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt;border-left: solid black 1pt\">\u00a0<\/td>\n<td style=\"border-right: solid black 1pt\">A. Preferred Stock Dividend<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(1)<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(1)<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(1)<\/td>\n<\/tr>\n<tr>\n<td style=\"border-left: solid black 1pt\">\n            <strong>II<\/strong>\n          <\/td>\n<td style=\"border-top: solid black 1pt;border-right: solid black 1pt\">\n            <strong>Reported Net Income (Loss) [I \u2013 A]<\/strong>\n          <\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>5<\/strong>\n          <\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>(12<\/strong><br \/>\n            <strong>)<\/strong>\n          <\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>19<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt;border-left: solid black 1pt\">\u00a0<\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt\">B. Income Tax Benefit (Expense)<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(5)<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">3<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(4)<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt;border-left: solid black 1pt\">\n            <strong>III<\/strong>\n          <\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt\">\n            <strong>Reported Pre-Tax Income (Loss) [II \u2013 B]<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>9<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>(15<\/strong><br \/>\n            <strong>)<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>23<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"border-left: solid black 1pt\">\u00a0<\/td>\n<td style=\"border-right: solid black 1pt\">Forward MSR Valuation Adjustments due to rates and assumption changes, net<sup>(a)(b)<\/sup><\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(26)<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(14)<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(5)<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt;border-left: solid black 1pt\">\u00a0<\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt\">Reverse Mortgage Fair Value Change due to rates and assumption changes<sup>(b)(c)<\/sup><\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">8<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(4)<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">3<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt;border-left: solid black 1pt\">\n            <strong>IV<\/strong>\n          <\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt\">\n            <strong>Total MSR Valuation Adjustments due to rates and assumption changes, net<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>(18<\/strong><br \/>\n            <strong>)<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>(19<\/strong><br \/>\n            <strong>)<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>(3<\/strong><br \/>\n            <strong>)<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"border-left: solid black 1pt\">\u00a0<\/td>\n<td style=\"border-right: solid black 1pt\">Significant legal and regulatory settlement expenses<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(5)<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(4)<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(7)<\/td>\n<\/tr>\n<tr>\n<td style=\"border-left: solid black 1pt\">\u00a0<\/td>\n<td style=\"border-right: solid black 1pt\">Severance and retention<sup>(d)<\/sup><\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(1)<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(1)<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(0)<\/td>\n<\/tr>\n<tr>\n<td style=\"border-left: solid black 1pt\">\u00a0<\/td>\n<td style=\"border-right: solid black 1pt\">LTIP stock price changes<sup>(e)<\/sup><\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">5<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">0<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">0<\/td>\n<\/tr>\n<tr>\n<td style=\"border-left: solid black 1pt\">\u00a0<\/td>\n<td style=\"border-right: solid black 1pt\">Office facilities consolidation<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(0)<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(0)<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(0)<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt;border-left: solid black 1pt\">\u00a0<\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt\">Other expense notables<sup>(f)<\/sup><\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">1<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(3)<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">1<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt;border-left: solid black 1pt\">\u00a0<\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt\">\n            <strong>C. Total Expense Notables<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>(0<\/strong><br \/>\n            <strong>)<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>(9<\/strong><br \/>\n            <strong>)<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>(7<\/strong><br \/>\n            <strong>)<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt;border-left: solid black 1pt\">\u00a0<\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt\">D. Other Income Statement Notables<sup>(g)<\/sup><\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(2)<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(2)<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(1)<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt;border-left: solid black 1pt\">\n            <strong>V<\/strong>\n          <\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt\">\n            <strong>Total Other Notables [C + D]<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>(3<\/strong><br \/>\n            <strong>)<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>(10<\/strong><br \/>\n            <strong>)<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>(8<\/strong><br \/>\n            <strong>)<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt;border-left: solid black 1pt\">\n            <strong>VI<\/strong>\n          <\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt\">\n            <strong>Total Notables<sup>(h)<\/sup>[IV + V]<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>(20<\/strong><br \/>\n            <strong>)<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>(29<\/strong><br \/>\n            <strong>)<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>(11<\/strong><br \/>\n            <strong>)<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt;border-left: solid black 1pt\">\n            <strong>VII<\/strong>\n          <\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt\">\n            <strong>Adjusted Pre-Tax Income [III \u2013 VI]<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>30<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>14<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>34<\/strong>\n          <\/td>\n<\/tr>\n<\/table>\n<p>a.) MSR valuation adjustments that are due to changes in market interest rates and assumptions, net of overall fair value gains \/ (losses) on MSR hedge, including FV changes of Pledged MSR liabilities associated with MSR transferred to MSR capital partners and ESS financing liabilities at fair value that are due to changes in market interest rates and assumptions, a component of MSR valuation adjustments, net; effective in Q2\u201926, we changed the methodology used to calculate MSR Valuation Adjustments due to rates and assumption changes; presentation of past periods has been conformed to the current presentation; without this change, Forward MSR valuation adjustments due to rates and assumption changes, net would be ($3M) in Q3\u201925 and $4M in Q2\u201926, and Total MSR valuation adjustments due to rates and assumption changes, net would be ($0M) in Q3\u201925 and $0M in Q2\u201926; see \u201cNote Regarding Non-GAAP Financial Measures\u201d above for additional information<\/p>\n<p>b.) The changes in fair value due to market interest rates were measured by isolating the impact of market interest rate changes on the valuation model output per our MSR valuation process<\/p>\n<p>c.) FV changes of reverse loans and HMBS-related borrowings due to market interest rates and assumptions, a component of gain on reverse loans and HMBS-related borrowings, net<\/p>\n<p>d.) Severance and retention due to organizational rightsizing or reorganization<\/p>\n<p>e.) Long-term incentive program (LTIP) compensation expense changes attributable to stock price changes during the period<\/p>\n<p>f.) Contains costs associated with but not limited to rebranding and other strategic initiatives and transactions<\/p>\n<p>g.) Contains non-routine transactions including but not limited to early payoff expense and fair value assumption changes on other investments recorded in other income\/expense<\/p>\n<p>h.) Certain previously presented notable categories with nil numbers for each period shown have been omitted<\/p>\n<p>\n        <strong>Adjusted PTI Calculation: Servicing Segment<\/strong>\n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td colspan=\"2\" style=\"border-top: solid black 1pt;border-right: solid black 1pt;border-bottom: solid black 1pt;border-left: solid black 1pt;vertical-align: bottom\">\n            <strong><br \/>\n              <em>(Dollars in millions)<\/em><br \/>\n            <\/strong>\n          <\/td>\n<td style=\"border-top: solid black 1pt;border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Q3\u201926<\/strong>\n          <\/td>\n<td style=\"border-top: solid black 1pt;border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Q2\u201926<\/strong>\n          <\/td>\n<td style=\"border-top: solid black 1pt;border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Q3\u201925<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:2%;width:2%;min-width:2%;border-left: solid black 1pt\">\n            <strong>I<\/strong>\n          <\/td>\n<td style=\"max-width:65%;width:65%;min-width:65%;border-right: solid black 1pt\">\n            <strong>GAAP Pre-tax Income<\/strong>\n          <\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>7<\/strong>\n          <\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>(13<\/strong><br \/>\n            <strong>)<\/strong>\n          <\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>25<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"border-left: solid black 1pt\">II<\/td>\n<td style=\"border-right: solid black 1pt\">Reverse Reclass<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(0)<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">0<\/td>\n<td style=\"border-right: solid black 1pt;text-align: center;vertical-align: middle\">&#8211;<\/td>\n<\/tr>\n<tr>\n<td style=\"border-left: solid black 1pt\">III<\/td>\n<td style=\"border-right: solid black 1pt\">MSR FV Adjustments Notables<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">18<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">19<\/td>\n<td style=\"border-right: solid black 1pt;text-align: center;vertical-align: middle\">3<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt;border-left: solid black 1pt\">IV<\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt\">Other Notables<sup>(a)<\/sup><\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">4<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">6<\/td>\n<td style=\"border-bottom: solid black 1pt;border-right: solid black 1pt;text-align: center;vertical-align: middle\">6<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt;border-left: solid black 1pt\">\n            <strong>V<\/strong>\n          <\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt\">\n            <strong>Adjusted Pre-tax Income [I + II + III + IV]<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>29<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>12<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>34<\/strong>\n          <\/td>\n<\/tr>\n<\/table>\n<p>a) Contains non-routine transactions, strategic initiatives, and other discrete income impacts including but not limited to early payoff expense and fair value assumption changes on other investments recorded in other income\/expense<\/p>\n<p>\n        <strong>Adjusted PTI Calculation: Originations Segment<\/strong>\n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td colspan=\"2\" style=\"border-top: solid black 1pt;border-right: solid black 1pt;border-bottom: solid black 1pt;border-left: solid black 1pt;vertical-align: bottom\">\n            <strong><br \/>\n              <em>(Dollars in millions)<\/em><br \/>\n            <\/strong>\n          <\/td>\n<td style=\"border-top: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;border-right: solid black 1pt;vertical-align: bottom\">\n            <strong>Q3\u201926<\/strong>\n          <\/td>\n<td style=\"border-top: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;border-right: solid black 1pt;vertical-align: bottom\">\n            <strong>Q2\u201926<\/strong>\n          <\/td>\n<td style=\"border-top: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;border-right: solid black 1pt;vertical-align: bottom\">\n            <strong>Q3\u201925<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:2%;width:2%;min-width:2%;border-left: solid black 1pt\">\n            <strong>I<\/strong>\n          <\/td>\n<td style=\"max-width:65%;width:65%;min-width:65%;border-right: solid black 1pt\">\n            <strong>GAAP Pre-tax Income<\/strong>\n          <\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;padding-right: 0;text-align: center;vertical-align: middle;border-right: solid black 1pt\">\n            <strong>24<\/strong>\n          <\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;text-align: center;vertical-align: middle;border-right: solid black 1pt\">\n            <strong>27<\/strong>\n          <\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;padding-right: 0;text-align: center;vertical-align: middle;border-right: solid black 1pt\">\n            <strong>25<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"border-left: solid black 1pt\">II<\/td>\n<td style=\"border-right: solid black 1pt\">MSR FV Adjustments Notables<\/td>\n<td style=\"padding-right: 0;text-align: center;vertical-align: middle;border-right: solid black 1pt\">&#8211;<\/td>\n<td style=\"text-align: center;vertical-align: middle;border-right: solid black 1pt\">0<\/td>\n<td style=\"padding-right: 0;text-align: center;vertical-align: middle;border-right: solid black 1pt\">&#8211;<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt;border-left: solid black 1pt\">III<\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt\">Other Notables<sup>(a)<\/sup><\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;text-align: center;vertical-align: middle;border-right: solid black 1pt\">(0)<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;border-right: solid black 1pt\">0<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;text-align: center;vertical-align: middle;border-right: solid black 1pt\">(0)<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt;border-left: solid black 1pt\">\n            <strong>IV<\/strong>\n          <\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt\">\n            <strong>Adjusted Pre-tax Income [I + II + III]<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;text-align: center;vertical-align: middle;border-right: solid black 1pt\">\n            <strong>24<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;border-right: solid black 1pt\">\n            <strong>28<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;text-align: center;vertical-align: middle;border-right: solid black 1pt\">\n            <strong>25<\/strong>\n          <\/td>\n<\/tr>\n<\/table>\n<p>a) Contains non-routine transactions, strategic initiatives, and other discrete income impacts<\/p>\n<p>\n        <strong>Adjusted ROE Calculation<\/strong>\n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td colspan=\"2\" style=\"border-top: solid black 1pt;border-right: solid black 1pt;border-bottom: solid black 1pt;border-left: solid black 1pt;vertical-align: bottom\">\n            <strong><br \/>\n              <em>(Dollars in millions)<\/em><br \/>\n            <\/strong>\n          <\/td>\n<td style=\"border-top: solid black 1pt;border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Q3\u201926<\/strong>\n          <\/td>\n<td style=\"border-top: solid black 1pt;border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Q2\u201926<\/strong>\n          <\/td>\n<td style=\"border-top: solid black 1pt;border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>Q3\u201925<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:3%;width:3%;min-width:3%;border-left: solid black 1pt\">\u00a0<\/td>\n<td style=\"max-width:64%;width:64%;min-width:64%;border-right: solid black 1pt\">GAAP ROE<\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">2%<\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(8%)<\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">14%<\/td>\n<\/tr>\n<tr>\n<td style=\"border-top: solid black 1pt;border-left: solid black 1pt\">I<\/td>\n<td style=\"border-top: solid black 1pt;border-right: solid black 1pt\">Reported Net Income (Loss)<\/td>\n<td style=\"border-top: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">5<\/td>\n<td style=\"border-top: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(12)<\/td>\n<td style=\"border-top: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">19<\/td>\n<\/tr>\n<tr>\n<td style=\"border-left: solid black 1pt\">II<\/td>\n<td style=\"border-right: solid black 1pt\">Notable Items<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(20)<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(29)<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(11)<\/td>\n<\/tr>\n<tr>\n<td style=\"border-left: solid black 1pt\">III<\/td>\n<td style=\"border-right: solid black 1pt\">Income Tax Benefit (Expense)<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(5)<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">3<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">(4)<\/td>\n<\/tr>\n<tr>\n<td style=\"border-left: solid black 1pt\">IV<\/td>\n<td style=\"border-right: solid black 1pt\">Adjusted Pre-Tax Income [I \u2013 II \u2013 III]<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">30<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">14<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">34<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt;border-left: solid black 1pt\">V<\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt\">Annualized Adjusted Pre-tax Income [IV * 4<em>for qtr.<\/em>]<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">119<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">55<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">135<\/td>\n<\/tr>\n<tr>\n<td style=\"border-left: solid black 1pt\">\u00a0<\/td>\n<td style=\"border-right: solid black 1pt\">A. Monthly average common equity<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">610<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">618<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">492<\/td>\n<\/tr>\n<tr>\n<td style=\"border-left: solid black 1pt\">\u00a0<\/td>\n<td style=\"border-right: solid black 1pt\">B. Impact of notable items [ \u2013 II]<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">20<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">29<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">11<\/td>\n<\/tr>\n<tr>\n<td style=\"border-left: solid black 1pt\">\u00a0<\/td>\n<td style=\"border-right: solid black 1pt\">C. # of months in period + 1<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">4<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">4<\/td>\n<td style=\"padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">4<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt;border-left: solid black 1pt\">\u00a0<\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt\">D. Average impact of notables [B \/ C]<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">5<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">7<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">3<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt;border-left: solid black 1pt\">VI<\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt\">Average Adjusted Equity [A + D]<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">615<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">625<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">494<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt;border-left: solid black 1pt\">\n            <strong>VII<\/strong>\n          <\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt\">\n            <strong>Adjusted ROE<sup>(a)<\/sup>[V \/ VI]<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>19<\/strong><br \/>\n            <strong>%<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>9<\/strong><br \/>\n            <strong>%<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-right: 0;border-right: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>27<\/strong><br \/>\n            <strong>%<\/strong>\n          <\/td>\n<\/tr>\n<\/table>\n<p>a) Effective in Q4\u201925, adjusted average equity used in adjusted ROE is now a monthly average; presentation of past periods has been conformed to the current presentation; without this change, adjusted ROE would be 25% in Q3\u201925; see \u201cNotables\u201d above for more information; effective in Q2\u201926, we changed the methodology used to calculate MSR Valuation Adjustments due to rates and assumption changes; presentation of past periods has been conformed to the current presentation; without this change, Adjusted pre-tax income (loss) would be $31M in Q3\u201925 and ($5M) in Q2\u201926, and Adjusted ROE would be 25% in Q3\u201925 and (3%) in Q2\u201926; see \u201cNote Regarding Non-GAAP Financial Measures\u201d above for additional information<\/p>\n<p>\n        <strong>Condensed Consolidated Balance Sheets (unaudited)<\/strong>\n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td style=\"max-width:67%;width:67%;min-width:67%;border-top: solid black 1pt;border-right: solid black 1pt;border-bottom: solid black 1pt;border-left: solid black 1pt;vertical-align: bottom\">\n            <strong>Assets<\/strong><br \/>\n            <strong><br \/>\n              <em>(Dollars in millions)<\/em><br \/>\n            <\/strong>\n          <\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;border-top: solid black 1pt;border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>September 30,<\/strong><br \/>\n            <br \/>\n            <strong>2026<\/strong>\n          <\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;border-top: solid black 1pt;border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>June 30,<\/strong><br \/>\n            <br \/>\n            <strong>2026<\/strong>\n          <\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;border-top: solid black 1pt;border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>September 30,<\/strong><br \/>\n            <br \/>\n            <strong>2025<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td>Cash and cash equivalents<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: top\">176.0<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: top\">196.6<\/td>\n<td style=\"text-align: center;vertical-align: middle\">172.8<\/td>\n<\/tr>\n<tr>\n<td>Restricted cash<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: top\">99.9<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: top\">196.3<\/td>\n<td style=\"text-align: center;vertical-align: middle\">98.4<\/td>\n<\/tr>\n<tr>\n<td>Mortgage servicing rights (MSRs), at fair value<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: top\">3,360.6<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: top\">3,208.8<\/td>\n<td style=\"text-align: center;vertical-align: middle\">2,762.9<\/td>\n<\/tr>\n<tr>\n<td>Advances, net<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: top\">375.1<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: top\">369.5<\/td>\n<td style=\"text-align: center;vertical-align: middle\">435.1<\/td>\n<\/tr>\n<tr>\n<td>Loans held for sale, at fair value<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: top\">2,747.3<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: top\">3,601.9<\/td>\n<td style=\"text-align: center;vertical-align: middle\">1,915.6<\/td>\n<\/tr>\n<tr>\n<td>Reverse loans held for investment pooled into HMBS, at fair value<\/td>\n<td style=\"text-align: center;vertical-align: middle\">3,362.6<\/td>\n<td style=\"text-align: center;vertical-align: middle\">3,640.6<\/td>\n<td style=\"text-align: center;vertical-align: middle\">&#8211;<\/td>\n<\/tr>\n<tr>\n<td>Loans held for investment, at fair value<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: top\">&#8211;<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: top\">&#8211;<\/td>\n<td style=\"text-align: center;vertical-align: middle\">10,117.4<\/td>\n<\/tr>\n<tr>\n<td>Receivables, net<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: top\">270.0<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: top\">233.9<\/td>\n<td style=\"text-align: center;vertical-align: middle\">167.4<\/td>\n<\/tr>\n<tr>\n<td>Premises and equipment, net<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: top\">10.0<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: top\">11.0<\/td>\n<td style=\"text-align: center;vertical-align: middle\">9.8<\/td>\n<\/tr>\n<tr>\n<td>Other assets<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: top\">399.6<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: top\">365.3<\/td>\n<td style=\"text-align: center;vertical-align: middle\">119.4<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt\">Contingent loan repurchase asset<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: top\">519.8<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: top\">526.4<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle\">308.4<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt\">\n            <strong>Total Assets<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: top\">\n            <strong>11,320.9<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: top\">\n            <strong>12,350.3<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle\">\n            <strong>16,107.4<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: top\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle\">\u00a0<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt;border-left: solid black 1pt;vertical-align: bottom\">\n            <strong>Liabilities, Mezzanine &amp; Stockholders\u2019 Equity<\/strong><br \/>\n            <strong><br \/>\n              <em>(Dollars in millions)<\/em><br \/>\n            <\/strong>\n          <\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>September 30,<\/strong><br \/>\n            <br \/>\n            <strong>2026<\/strong>\n          <\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>June 30,<\/strong><br \/>\n            <br \/>\n            <strong>2026<\/strong>\n          <\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>September 30,<\/strong><br \/>\n            <br \/>\n            <strong>2025<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td>HMBS-related borrowings, at fair value<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">3,335.1<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">3,610.9<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">9,924.6<\/td>\n<\/tr>\n<tr>\n<td>MSR related financing liabilities, at fair value<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">613.1<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">729.0<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">822.0<\/td>\n<\/tr>\n<tr>\n<td>MSR financing facilities, net<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">1,699.9<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">1,566.1<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">1,223.2<\/td>\n<\/tr>\n<tr>\n<td>Advance match funded liabilities<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">259.4<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">254.7<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">320.6<\/td>\n<\/tr>\n<tr>\n<td>Mortgage warehouse facilities<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">1,430.1<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">2,061.7<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">1,448.4<\/td>\n<\/tr>\n<tr>\n<td>Reverse mortgage securitization notes, net<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">1,699.4<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">1,925.0<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">613.9<\/td>\n<\/tr>\n<tr>\n<td>Senior notes, net<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">693.6<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">693.2<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">489.0<\/td>\n<\/tr>\n<tr>\n<td>Other liabilities<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">412.0<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">323.5<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">406.0<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt\">Contingent loan repurchase liability<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">519.8<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">526.4<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">308.4<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt\">\n            <strong>Total Liabilities<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>10,662.4<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>11,690.5<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>15,556.1<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td>Mezzanine Equity<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">49.9<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">49.9<\/td>\n<td style=\"text-align: center;vertical-align: middle;vertical-align: bottom\">49.9<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt\">Stockholders\u2019 Equity<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">608.6<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">609.9<\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">501.4<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt\">\n            <strong>Total Liabilities, Mezzanine and Stockholders\u2019 Equity<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>11,320.9<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>12,350.3<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>16,107.4<\/strong>\n          <\/td>\n<\/tr>\n<\/table>\n<p>\n        <strong><br \/>\n          <br \/>\n        <\/strong>\n      <\/p>\n<p>\n        <strong>Condensed Consolidated Statements of Operations (unaudited)<\/strong>\n      <\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td rowspan=\"2\" style=\"border-top: solid black 1pt;border-right: solid black 1pt;border-bottom: solid black 1pt;border-left: solid black 1pt;vertical-align: bottom\">\n            <strong><br \/>\n              <em>(Dollars in millions, except per share data)<\/em><br \/>\n            <\/strong>\n          <\/td>\n<td colspan=\"3\" style=\"border-top: solid black 1pt;border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: top\">\n            <strong>For the Three Months Ended<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>September 30,<\/strong><br \/>\n            <br \/>\n            <strong>2026<\/strong>\n          <\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>June 30,<\/strong><br \/>\n            <br \/>\n            <strong>2026<\/strong>\n          <\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: bottom\">\n            <strong>September 30,<\/strong><br \/>\n            <br \/>\n            <strong>2025<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:67%;width:67%;min-width:67%\">\n            <strong>Revenue<\/strong>\n          <\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;text-align: center;vertical-align: middle\">\u00a0<\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;text-align: center;vertical-align: middle\">\u00a0<\/td>\n<td style=\"max-width:11%;width:11%;min-width:11%;text-align: center;vertical-align: middle\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td>Servicing and subservicing fees<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">224.7<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">229.3<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">217.5<\/td>\n<\/tr>\n<tr>\n<td>Gain on reverse loans and HMBS-related borrowings, net<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">6.9<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">3.8<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">13.0<\/td>\n<\/tr>\n<tr>\n<td>Gain on loans held for sale, net<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">26.6<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">29.4<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">34.1<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt\">Other revenue, net<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">19.9<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">20.4<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">15.7<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt\">\n            <strong>Total revenue<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">\n            <strong>278.1<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">\n            <strong>282.9<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">\n            <strong>280.3<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt\">\n            <strong>MSR valuation adjustments, net<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">\n            <strong>(67.3<\/strong><br \/>\n            <strong>)<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">\n            <strong>(70.5<\/strong><br \/>\n            <strong>)<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">\n            <strong>(45.0<\/strong><br \/>\n            <strong>)<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td>\n            <strong>Operating expenses<\/strong>\n          <\/td>\n<td style=\"text-align: center;vertical-align: middle\">\u00a0<\/td>\n<td style=\"text-align: center;vertical-align: middle\">\u00a0<\/td>\n<td style=\"text-align: center;vertical-align: middle\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td>Compensation and benefits<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">55.5<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">69.8<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">63.3<\/td>\n<\/tr>\n<tr>\n<td>Servicing and origination<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">15.9<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">23.1<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">15.6<\/td>\n<\/tr>\n<tr>\n<td>Technology and communications<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">18.5<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">17.9<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">15.9<\/td>\n<\/tr>\n<tr>\n<td>Professional services<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">16.4<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">16.7<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">18.3<\/td>\n<\/tr>\n<tr>\n<td>Occupancy, equipment and mailing<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">8.2<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">8.2<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">9.1<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt\">Other expenses<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">3.4<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">3.3<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">3.6<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt\">\n            <strong>Total operating expenses<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">\n            <strong>117.9<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">\n            <strong>139.0<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">\n            <strong>125.8<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td>\n            <strong>Other income (expense)<\/strong>\n          <\/td>\n<td style=\"text-align: center;vertical-align: middle\">\u00a0<\/td>\n<td style=\"text-align: center;vertical-align: middle\">\u00a0<\/td>\n<td style=\"text-align: center;vertical-align: middle\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td>Interest income<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">63.3<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">55.5<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">37.6<\/td>\n<\/tr>\n<tr>\n<td>Interest expense<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">(115.5)<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">(103.1)<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">(82.9)<\/td>\n<\/tr>\n<tr>\n<td>Pledged MSR liability expense<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">(29.9)<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">(38.2)<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">(41.7)<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt\">Other, net<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">(1.5)<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">(2.7)<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">0.5<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt\">\n            <strong>Other income (expense), net<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">\n            <strong>(83.6<\/strong><br \/>\n            <strong>)<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">\n            <strong>(88.5<\/strong><br \/>\n            <strong>)<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">\n            <strong>(86.5<\/strong><br \/>\n            <strong>)<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td>Income (loss) before income taxes<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">9.3<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">(15.1)<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">23.1<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt\">Income tax expense (benefit)<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">4.8<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">(3.2)<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">4.4<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt\">\n            <strong>Net Income (Loss)<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">\n            <strong>4.5<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">\n            <strong>(11.9<\/strong><br \/>\n            <strong>)<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">\n            <strong>18.7<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt\">Preferred stock dividend<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">(1.0)<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">(1.0)<\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">(1.0)<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt\">\n            <strong>Net Income (Loss) attributable to common stockholders<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">\n            <strong>3.5<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">\n            <strong>(12.9<\/strong><br \/>\n            <strong>)<\/strong>\n          <\/td>\n<td style=\"border-bottom: solid black 1pt;padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">\n            <strong>17.7<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td>Basic EPS<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">$0.42<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">$(1.53)<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">$2.19<\/td>\n<\/tr>\n<tr>\n<td>Diluted EPS<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">$0.41<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">$(1.53)<\/td>\n<td style=\"padding-left: 0;padding-right: 0;text-align: center;vertical-align: middle\">$2.03<\/td>\n<\/tr>\n<\/table>\n<p>\n        <strong><br \/>\n          <br \/>\n        <\/strong>\n      <\/p>\n<p>\n        <strong>For Further Information Contact:<br \/><\/strong>Valerie Haertel, VP, Investor Relations<br \/>(561) 570-2969<br \/><a href=\"https:\/\/www.globenewswire.com\/Tracker?data=aGpt9l5zVwpW9HT2ovV3erOxJje_cjHkFMjXgAiFIg8GCogk9Vm7v20JYer4I6Tsrgvq-1fImXB6_zYRejl_AaTL1aC6Km0N_3k54kqap0vJx3zGX_plTiPujBv6mU5aXan6AYyRE4bIxDUO3zkKLg==\" rel=\"nofollow\" target=\"_blank\">shareholderrelations@onitygroup.com<\/a><\/p>\n<p>Dico Akseraylian, SVP, Corporate Communications<br \/>(856) 917-0066<br \/><a href=\"https:\/\/www.globenewswire.com\/Tracker?data=XuLSS6f_g6XoBMi2tIZqaovXCvMcoFn2SBgrQ8GQRMKoNpRijB4C7a9GPgY5-Tg57O4NkunzJTUgDmtpCCyCcD8Bv4Lrh9pP9Oyyr9jtegisDs8fENbzsmRRXvp2_T44\" rel=\"nofollow\" target=\"_blank\">mediarelations@onitygroup.com<\/a><\/p>\n<p>      <img decoding=\"async\" alt=\"\" class=\"__GNW8366DE3E__IMG\" src=\"https:\/\/www.globenewswire.com\/newsroom\/ti?nf=OTg3MDY1MCM3OTQ2Njc3IzIwMjA0MTM=\" \/><br \/>\n      <br \/>\n      <img decoding=\"async\" alt=\"\" src=\"https:\/\/ml.globenewswire.com\/media\/NmI1MTFiMDAtOGNkOC00ZmViLTllMjEtYmI3ZWYzOWFmYTI4LTEwMzE5ODUtMjAyNi0xMS0wNS1lbg==\/tiny\/Onity-Group-Inc-.png\" \/>\n    <\/div>\n<div class=\"mw_contactinfo\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Balanced business, led by Servicing, drove improved profitability in the quarter WEST PALM BEACH, Fla., Nov. 05, 2026 (GLOBE NEWSWIRE) &#8212; Onity Group Inc. (NYSE: ONIT) (\u201cOnity\u201d or the \u201cCompany\u201d) today announced its third quarter 2026 results. Third Quarter 2026: Net income attributable to common stockholders of $3 million; diluted EPS of $0.41; ROE of 2% Net income includes $11 million pre-tax, or $0.95 per share after-tax, unfavorable impact of market volatility on hedge costs and Agency loan sales versus the second quarter Adjusted pre-tax income* of $30 million, resulting in annualized adjusted ROE* of 19% Record operating efficiency ratio of 51% for the quarter and 52% over the last 12 months $24.7 billion in total servicing additions; $343 billion &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.marketnewsdesk.com\/index.php\/onity-group-announces-third-quarter-2026-results\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Onity Group Announces Third Quarter 2026 Results&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-1017459","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Onity Group Announces Third Quarter 2026 Results - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/onity-group-announces-third-quarter-2026-results\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Onity Group Announces Third Quarter 2026 Results - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"Balanced business, led by Servicing, drove improved profitability in the quarter WEST PALM BEACH, Fla., Nov. 05, 2026 (GLOBE NEWSWIRE) &#8212; Onity Group Inc. (NYSE: ONIT) (\u201cOnity\u201d or the \u201cCompany\u201d) today announced its third quarter 2026 results. Third Quarter 2026: Net income attributable to common stockholders of $3 million; diluted EPS of $0.41; ROE of 2% Net income includes $11 million pre-tax, or $0.95 per share after-tax, unfavorable impact of market volatility on hedge costs and Agency loan sales versus the second quarter Adjusted pre-tax income* of $30 million, resulting in annualized adjusted ROE* of 19% Record operating efficiency ratio of 51% for the quarter and 52% over the last 12 months $24.7 billion in total servicing additions; $343 billion &hellip; Continue reading &quot;Onity Group Announces Third Quarter 2026 Results&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.marketnewsdesk.com\/index.php\/onity-group-announces-third-quarter-2026-results\/\" \/>\n<meta property=\"og:site_name\" content=\"Market Newsdesk\" \/>\n<meta property=\"article:published_time\" content=\"2026-11-05T11:56:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.globenewswire.com\/newsroom\/ti?nf=OTg3MDY1MCM3OTQ2Njc3IzIwMjA0MTM=\" \/>\n<meta name=\"author\" content=\"Newsdesk\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Newsdesk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"15 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/onity-group-announces-third-quarter-2026-results\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/onity-group-announces-third-quarter-2026-results\\\/\"},\"author\":{\"name\":\"Newsdesk\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#\\\/schema\\\/person\\\/482f27a394d4fda80ecb5499e519d979\"},\"headline\":\"Onity Group Announces Third Quarter 2026 Results\",\"datePublished\":\"2026-11-05T11:56:02+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/onity-group-announces-third-quarter-2026-results\\\/\"},\"wordCount\":3105,\"image\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/onity-group-announces-third-quarter-2026-results\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.globenewswire.com\\\/newsroom\\\/ti?nf=OTg3MDY1MCM3OTQ2Njc3IzIwMjA0MTM=\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/onity-group-announces-third-quarter-2026-results\\\/\",\"url\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/onity-group-announces-third-quarter-2026-results\\\/\",\"name\":\"Onity Group Announces Third Quarter 2026 Results - 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Market Newsdesk","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.marketnewsdesk.com\/index.php\/onity-group-announces-third-quarter-2026-results\/","og_locale":"en_US","og_type":"article","og_title":"Onity Group Announces Third Quarter 2026 Results - Market Newsdesk","og_description":"Balanced business, led by Servicing, drove improved profitability in the quarter WEST PALM BEACH, Fla., Nov. 05, 2026 (GLOBE NEWSWIRE) &#8212; Onity Group Inc. (NYSE: ONIT) (\u201cOnity\u201d or the \u201cCompany\u201d) today announced its third quarter 2026 results. Third Quarter 2026: Net income attributable to common stockholders of $3 million; diluted EPS of $0.41; ROE of 2% Net income includes $11 million pre-tax, or $0.95 per share after-tax, unfavorable impact of market volatility on hedge costs and Agency loan sales versus the second quarter Adjusted pre-tax income* of $30 million, resulting in annualized adjusted ROE* of 19% Record operating efficiency ratio of 51% for the quarter and 52% over the last 12 months $24.7 billion in total servicing additions; $343 billion &hellip; Continue reading \"Onity Group Announces Third Quarter 2026 Results\"","og_url":"https:\/\/www.marketnewsdesk.com\/index.php\/onity-group-announces-third-quarter-2026-results\/","og_site_name":"Market Newsdesk","article_published_time":"2026-11-05T11:56:02+00:00","og_image":[{"url":"https:\/\/www.globenewswire.com\/newsroom\/ti?nf=OTg3MDY1MCM3OTQ2Njc3IzIwMjA0MTM=","type":"","width":"","height":""}],"author":"Newsdesk","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Newsdesk","Est. reading time":"15 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/onity-group-announces-third-quarter-2026-results\/#article","isPartOf":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/onity-group-announces-third-quarter-2026-results\/"},"author":{"name":"Newsdesk","@id":"https:\/\/www.marketnewsdesk.com\/#\/schema\/person\/482f27a394d4fda80ecb5499e519d979"},"headline":"Onity Group Announces Third Quarter 2026 Results","datePublished":"2026-11-05T11:56:02+00:00","mainEntityOfPage":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/onity-group-announces-third-quarter-2026-results\/"},"wordCount":3105,"image":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/onity-group-announces-third-quarter-2026-results\/#primaryimage"},"thumbnailUrl":"https:\/\/www.globenewswire.com\/newsroom\/ti?nf=OTg3MDY1MCM3OTQ2Njc3IzIwMjA0MTM=","inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/onity-group-announces-third-quarter-2026-results\/","url":"https:\/\/www.marketnewsdesk.com\/index.php\/onity-group-announces-third-quarter-2026-results\/","name":"Onity Group Announces Third Quarter 2026 Results - 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