Top U.S. mortgage companies have continued to gain market share in 2025 and are positioned to improve their profitability in the coming years. But growing leverage tied to mortgage servicing rights (MSR) investments is contributing to negative outlooks for some competitors, Fitch Ratings said.

The credit ratings agency released its periodic peer review of nonbank mortgage companies on Friday. The report covered Pennymac Financial Services, Finance of America (FOA), Rocket Companies, United Wholesale Mortgage (UWM) and Freedom Mortgage Holdings. 

Six companies had their ratings affirmed, with the exception of Planet Financial Group, whose rating was downgraded to B from B+. details ⇒

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